Pathward Financial, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for Pathward Financial, Inc. (CASH), the latest P/E of 10.2 frames valuation, while ROE 20.58% and ROIC 13.23% indicates profitability and capital efficiency. Together with the current ratio of 0.25 and debt-to-equity 0.24, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

CASH Historical Per Share Metrics

10 years
Metric (FY)TTM202520242023202220212020201920182017
Revenue per Share$37.07$14.02$24.88$21.92$17.91$16.23$13.38$13.22$9.86$8.69
Net Income per Share$8.11$7.94$6.69$6.10$5.17$4.47$2.94$2.49$1.68$1.62
Operating Cash Flow per Share$32.16$7.18$18.02$11.30$9.20$18.33$13.11$4.91$4.48$4.33
Free Cash Flow per Share$27.43$7.18$7.02$-5.47$-5.82$16.31$11.26$0.84$3.66$4.08
Cash per Share$63.19$61.90$75.47$81.24$77.70$68.67$34.83$26.14$51.66$85.60
Book Value per Share$39.29$36.65$33.36$24.25$22.07$27.48$23.77$21.71$24.33$15.66
Tangible Book Value per Share$25.07$23.38$20.40$11.94$10.60$16.68$13.92$12.39$12.16$10.22
Interest Debt per Share$9.75$0.38$17.15$2.15$1.40$3.31$3.70$23.75$17.66$54.25
CAPEX per Share$4.74$0.00$11.00$16.77$15.02$2.02$1.85$4.07$0.83$0.25

CASH Historical Valuation Ratios

10 years
Metric (FY)TTM202520242023202220212020201920182017
Price to Earnings (P/E)10.29.329.877.566.3711.756.5413.0716.1716.14
Price to Book (P/B)2.082.021.981.91.491.910.811.511.121.67
Price to Sales (P/S)2.155.282.652.11.843.231.442.472.753.01
Enterprise Value to EBITDA7.097.797.463.672.536.732.0313.0913.139.45
EV to Sales2.224.943.061.541.172.810.753.94.123.93
EV to Operating Cash Flow2.559.644.2232.272.490.7610.499.077.89
EV to Free Cash Flow2.999.6410.82-6.19-3.592.80.8961.4311.128.37
Enterprise Value$1.78B$1.62B$1.91B$908.03M$611.31M$1.45B$356.09M$2.00B$1.25B$947.35M

CASH Historical Profitability Ratios

10 years
Metric (FY)TTM202520242023202220212020201920182017
Return on Equity (ROE)20.58%21.66%20.05%25.11%23.43%16.27%12.41%11.55%6.94%10.34%
Return on Invested Capital (ROIC)13.23%9.48%10.13%23.77%22.62%15.12%11.56%5.94%4.14%2.33%
Return on Tangible Assets2.51%2.71%2.33%2.27%2.36%2.23%1.82%1.67%0.95%0.88%
Earnings Yield9.91%10.73%10.13%13.23%15.69%8.51%15.28%7.65%6.19%6.20%
Free Cash Flow Yield34.40%9.70%10.64%-11.87%-17.65%31.08%58.57%2.57%13.46%15.62%
Dividend Yield0.24%9.21%0.30%0.44%0.61%0.38%1.04%0.61%0.69%0.67%

CASH Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202520242023202220212020201920182017
Current Ratio0.25165.210.330.350.410.430.250.20.330.51
Interest Coverage20.5509.3616.7537.0122.83.41.592.053.71
Income Quality3.940.92.691.831.693.994.271.892.632.67
Debt to Equity0.240.010.490.070.060.110.121.030.693.43
Debt to Assets2.75%0.13%5.44%0.62%0.53%1.47%1.61%13.94%8.82%28.50%
Net Debt to EBITDA0.21-0.540.98-1.33-1.46-1-1.874.84.362.22

CASH Historical Efficiency Ratios

10 years
Metric (FY)TTM202520242023202220212020201920182017
Receivables Turnover21.738.523.412.852.291.8228.6925.1913.7712.44
Payables Turnover0000097.851.2612.457.3711.17
Inventory Turnover0000000000
Days Sales Outstanding16.842.85106.99128.24159.47200.0312.7214.4926.529.35
Days Payables Outstanding000003.737.1229.3349.5532.68
Days of Inventory on Hand0000000000

CASH Historical Market Metrics

10 years
Metric (FY)TTM202520242023202220212020201920182017
Enterprise Value to EBITDA7.097.797.463.672.536.732.0313.0913.139.45
Market Cap$1.73B$1.73B$1.66B$1.24B$963.32M$1.67B$685.23M$1.27B$834.51M$724.87M
Enterprise Value$1.78B$1.62B$1.91B$908.03M$611.31M$1.45B$356.09M$2.00B$1.25B$947.35M
Dividend Yield0.24%9.21%0.30%0.44%0.61%0.38%1.04%0.61%0.69%0.67%
Payout Ratio2.51%85.81%3.01%3.32%3.92%4.52%6.78%8.00%11.11%10.77%

Frequently Asked Questions

How does Pathward Financial, Inc.’s P/E ratio compare with its history?

On this page, CASH's current P/E is 10.2, compared with a multi-year average around 10.7. When the current P/E sits near its historical average, the multiple is close to that range. Look at trend direction in profitability and cash-flow rows, plus liquidity and leverage, rather than treating the P/E in isolation.

What is Pathward Financial, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $1.73B. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does Pathward Financial, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with Pathward Financial, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does Pathward Financial, Inc. compare to its competitors in key financial ratios?

The fastest way to compare Pathward Financial, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see Pathward Financial, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do Pathward Financial, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that Pathward Financial, Inc. is financially strong. Current ratio is about 0.25, which is below 1.0 and can suggest tighter short-term liquidity. Interest coverage is about 20.55, implying a stronger ability to cover interest expenses. Debt-to-equity is about 0.24, suggesting leverage is more moderate relative to a high-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do Pathward Financial, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If Pathward Financial, Inc. is sustaining strong returns (for example ROE at 20.58% and ROIC at 13.23%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.