profit from every $100 of sales.
$0$100
Pathward Financial
$75.12-1.87% today
+8.5% in 1 year
1-year low $66.471-year high $99.93
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $8.40 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Pathward Financial sold, what it kept, and what it did with the cash.
Sales went from $519 million in 2022 to $674 million in 2025, with $186 million of profit last year.
SalesProfit
Pathward Financial handed back 71% of the cash it generated last year.
Buybacks $163M
Free cash flow 2025$237M
Bought back its own shares$163M
Paid as dividends$5M
Cash vs. debt$121M vs. $42M
Pathward Financial vs. similar companies
Pathward Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Pathward Financial | 8.4× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Pathward Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 519 | 601 | 648 | 674 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 151 | 143 | 183 | 186 | |
| 5.26 | 5.99 | 6.62 | 7.87 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.1% | 23.9% | 28.3% | 27.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 6,747 | 7,503 | 7,532 | 7,172 |
| Cash | 388 | 376 | 158 | 121 |
| Total debt | 36 | 47 | 410 | 42 |
| Total liabilities | 6,102 | 6,885 | 6,710 | 6,315 |
| 645 | 619 | 822 | 858 | |
| 29 | 27 | 25 | 24 | |
| – | – | – | – | |
| 23.4% | 23.1% | 22.3% | 21.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 290 | 328 | 489 | 451 | |
| 439 | 450 | 277 | 214 | |
| -149 | -122 | 212 | 237 | |
| Dividends paid | 6 | 5 | 5 | 5 |
| 168 | 120 | 87 | 163 | |
| 10 | 11 | 10 | 10 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 8.4×
- 8.7×
- 0.58
- 2.1×
- 2.3×
- 11.9%
- 0.2%
Profitability
- 27.6%
- 2.7%
- 18.5%
- 22.3%
- 2.7%
Growth
- +9.1%
- +14.4%
- +0.0%
- −7.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 40%of 749
Top 35%of 603
Top 21%of 881
Bottom 48%of 884
Top 14%of 933
What analysts expect
- Average price target
- $82.00
- Range
- $82.00 – $82.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 3.35 | 3.35 | +0.0% |
| Jan 22, 2026 | 1.57 | 1.38 | +13.8% |
| Oct 21, 2025 | 1.69 | 1.38 | +22.5% |
| Jul 28, 2025 | 1.81 | 1.57 | +15.3% |
| Apr 22, 2025 | 3.11 | 2.78 | +11.9% |
| Jan 21, 2025 | 1.29 | 1.24 | +4.0% |
| Oct 23, 2024 | 1.35 | 1.28 | +5.5% |
| Jul 24, 2024 | 1.66 | 1.55 | +7.1% |
0.2%of the share price, paid each year
On $1,000 invested$2a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.17 in 2015 → $0.20 in 2025
How safe it looks
2.5% of its profit
Room to growStretchedMore than it earns: 2.0%
News
CoreWeave Earnings, Revenue Top Views. Cash Burn Less Than Expected.Yahoo Finance · Nov 10, 2026RTX sees margin expansion, cash flow growth in 2027Seeking Alpha · Nov 10, 2026Wix outlines full-year 2026 ~16% free cash flow margin as Base44 nears $250M ARR and Q4 S&M risesSeeking Alpha · Nov 10, 2026MaxCyte falls after $151.8M deal to buy Akron Bio for cash and stockSeeking Alpha · Nov 10, 2026The Stock Market Just Had Its Best Day Since April. Here’s What History Says a 62-Year-Old Retiree With $1,300,000 in Cash Should Do NowYahoo Finance · Nov 10, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
93Pass
Benjamin Graham
87Pass
Philip Fisher
89Pass
Peter Lynch
77Pass
Joel Greenblatt
30No pass
Charlie Munger
86Pass
Terry Smith
79Pass
Questions about Pathward Financial
Is Pathward Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Pathward Financial AI analysis
What does Pathward Financial do?
Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. It is in Banks - Regional.
Does Pathward Financial pay a dividend?
Yes. At today's price the dividend is 0.2% a year, about 3% of its yearly profit. In 2025 it paid out $4.69 million in dividends.
Is Pathward Financial stock halal?
No. Pathward Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Pathward Financial stock done over the past year?
Up 8.5% over the past twelve months, to $75.12. It traded between $66.47 and $99.93 and is 24.8% below its high.
Who are Pathward Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Pathward Financial's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.