Pathward Financial (CASH) | Financial Analysis & Statements
Financial Overview
Latest Annual: 2024Income Metrics
Revenue
605.0M
Net Income
169.6M
28.04%
EPS (Diluted)
$6.62
Balance Sheet Metrics
Total Assets
7.5B
Total Liabilities
6.7B
Shareholders Equity
839.6M
Debt to Equity
7.99
Cash Flow Metrics
Operating Cash Flow
227.3M
Free Cash Flow
176.8M
Revenue & Profitability Trend
Pathward Financial Income Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 605.0M | 577.4M | 501.3M | 508.3M | 443.2M |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 201.5M | 184.3M | 171.1M | 151.1M | 136.2M |
| Operating Income | - | - | - | - | - |
| Pre-tax Income | 198.8M | 182.1M | 187.3M | 156.4M | 115.0M |
| Income Tax | 29.1M | 16.3M | 28.0M | 10.7M | 5.7M |
| Net Income | 169.6M | 165.8M | 159.4M | 145.7M | 109.3M |
| EPS (Diluted) | $6.62 | $5.99 | $5.26 | $4.38 | $2.94 |
Income Statement Trend
Pathward Financial Balance Sheet From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | - | - | - | - | - |
| Non-Current Assets | - | - | - | - | - |
| Total Assets | 7.5B | - | - | - | - |
| Liabilities | |||||
| Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 6.7B | - | - | - | - |
| Equity | |||||
| Total Shareholders Equity | 839.6M | 650.6M | 645.1M | 871.9M | 847.3M |
Balance Sheet Composition
Pathward Financial Cash Flow Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 169.6M | 165.8M | 159.4M | 145.7M | 109.3M |
| Operating Cash Flow | 227.3M | 183.2M | 285.8M | 494.6M | 394.6M |
| Investing Activities | |||||
| Capital Expenditures | -267.2M | -434.9M | -429.5M | -47.1M | -48.5M |
| Investing Cash Flow | -66.9M | -408.0M | -727.4M | -624.6M | 35.6M |
| Financing Activities | |||||
| Dividends Paid | -5.1M | -5.4M | -5.9M | -6.4M | -7.1M |
| Financing Cash Flow | 270.9M | -118.3M | -236.1M | -115.9M | -894.6M |
| Free Cash Flow | 176.8M | -146.8M | -170.1M | 517.6M | 401.3M |
Cash Flow Trend
Pathward Financial Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
10.31
Forward P/E
9.18
Price to Book
2.15
Price to Sales
2.45
PEG Ratio
9.18
Profitability Ratios
Profit Margin
24.77%
Operating Margin
39.94%
Return on Equity
23.20%
Return on Assets
2.52%
Financial Health
Debt to Equity
0.04
Beta
0.64
Per Share Data
EPS (TTM)
$7.39
Book Value per Share
$35.35
Revenue per Share
$30.00
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| cash | 1.8B | 10.31 | 2.15 | 23.20% | 24.77% | 0.04 |
| PNC Financial | 70.3B | 12.56 | 1.39 | 11.33% | 28.75% | 1.12 |
| U.S. Bancorp | 69.7B | 11.08 | 1.31 | 11.53% | 26.38% | 1.34 |
| Enterprise Financial | 2.0B | 10.65 | 1.11 | 10.82% | 31.46% | 0.34 |
| OFG Bancorp | 1.9B | 10.09 | 1.46 | 15.46% | 31.15% | 0.21 |
Financial data is updated regularly. All figures are in the company's reporting currency.