← PATHWARD FINANCIAL, INC. CASH
Market Price
$86.61
Market Cap
$1.82B
P/E Ratio
11.01
Revenue (FY 2025)
↑5.3% YoY
$839.89M
3-Yr CAGR: 11.8%
Net Income
↑1.4% YoY
$185.87M
Net Margin: 22.1%
Free Cash Flow
↓-8.3% YoY
$438.94M
FCF Yield: 24.16%
EPS (Diluted)
↑9.3% YoY
$7.87
Basic: $7.91
Return on Equity
Efficiency
21.7%
ROA: 59.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CASH)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $77.3M | — | $73.2M | $33.2M | — | $3.92 | — | $78.0M | $71.0M | — |
| FY 2017 | $93.2M | +20.6% | $78.4M | $44.9M | +35.2% | $4.83 | +23.2% | $120.0M | $113.2M | +59.4% |
| FY 2018 | $130.5M | +40.0% | $102.6M | $51.6M | +14.9% | $1.67 | -65.4% | $137.8M | $129.2M | +14.1% |
| FY 2019 | $486.8M | +272.9% | $425.2M | $97.0M | +87.9% | $2.49 | +49.1% | $191.0M | $177.0M | +37.0% |
| FY 2020 | $498.8M | +2.5% | $465.0M | $104.7M | +8.0% | $2.94 | +18.1% | $467.2M | $455.0M | +157.0% |
| FY 2021 | $549.9M | +10.2% | $543.0M | $141.7M | +35.3% | $4.38 | +49.0% | $581.6M | $568.7M | +25.0% |
| FY 2022 | $601.1M | +9.3% | $596.3M | $156.4M | +10.4% | $5.26 | +20.1% | $268.8M | $260.6M | -54.2% |
| FY 2023 | $704.5M | +17.2% | $693.6M | $163.6M | +4.6% | $5.99 | +13.9% | $303.1M | $294.5M | +13.0% |
| FY 2024 | $797.4M | +13.2% | $776.2M | $183.2M | +12.0% | $7.20 | +20.2% | $488.8M | $478.7M | +62.5% |
| FY 2025 | $839.9M | +5.3% | $828.3M | $185.9M | +1.4% | $7.87 | +9.3% | $450.6M | $438.9M | -8.3% |
Valuation
Market Price
$86.61
Market Cap
$1.82B
Enterprise Value
$1.73B
P/E Ratio
11.01
P/B Ratio
2.13
FCF Yield
24.16%
Dividend Yield
0.23%
Shares Outstanding
Profitability & Margins
Gross Margin
98.62%
Operating Margin
26.56%
Net Margin
22.13%
Return on Equity (ROE)
21.66%
Return on Assets (ROA)
59.88%
Asset Turnover
2.71x
Revenue 3-Yr CAGR
11.79%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.039
Debt / Assets
0.108
Cash & Equivalents
$120.57M
Total Debt
$33.46M
Book Value / Share
$40.65
Cash Flow Efficiency
Operating Cash Flow
$450.62M
Capital Expenditures (CapEx)
$11.68M
Free Cash Flow
$438.94M
OCF / Revenue
53.65%
FCF / Revenue
52.26%
FCF 3-Yr CAGR
18.98%
Per Share Metrics
EPS (Diluted)
$7.87
EPS (Basic)
$7.91
Dividends / Share
$0.20
Book Value / Share
$40.65
EPS YoY Growth
9.31%
Balance Sheet (FY 2025)
Total Assets
$310.43M
Total Liabilities
$6.31B
Stockholders' Equity
$858.04M
Current Assets
N/A
Current Liabilities
N/A