Discounted Cash Flow
Pathward Financial, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | — | $33.2m | $71.0m | — | $3.95 |
| 2017 | — | $44.9m (35.2%) | $113.2m (59.4%) | — | $4.86 (23.0%) |
| 2018 | — | $51.6m (14.9%) | $129.2m (14.1%) | — | $1.68 (-65.4%) |
| 2019 | $486.8m | $97.0m (87.9%) | $177.0m (37.0%) | 19.9% | $2.49 (48.2%) |
| 2020 | $498.8m (2.5%) | $104.7m (8.0%) | $455.0m (157.0%) | 21.0% (5.3%) | $2.94 (18.1%) |
| 2021 | $549.9m (10.2%) | $141.7m (35.3%) | $568.7m (25.0%) | 25.8% (22.8%) | $4.38 (49.0%) |
| 2022 | $601.1m (9.3%) | $156.4m (10.4%) | $260.6m (-54.2%) | 26.0% (1.0%) | $5.26 (20.1%) |
| 2023 | $704.5m (17.2%) | $163.6m (4.6%) | $294.5m (13.0%) | 23.2% (-10.7%) | $6.01 (14.3%) |
| 2024 | $797.4m (13.2%) | $183.2m (12.0%) | $478.7m (62.5%) | 23.0% (-1.1%) | $7.21 (20.0%) |
| 2025 | $839.9m (5.3%) | $185.9m (1.4%) | $438.9m (-8.3%) | 22.1% (-3.7%) | $7.91 (9.7%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.