(CASH) Meta Financial - Overview
Stock: Deposits, Loans, Prepaid Cards, Merchant Processing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.28% |
| Yield on Cost 5y | 0.46% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 95.2% |
| Payout Ratio | 2.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.5% |
| Relative Tail Risk | -12.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.50 |
| Alpha | 2.52 |
| Character TTM | |
|---|---|
| Beta | 0.772 |
| Beta Downside | 0.802 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.20% |
| CAGR/Max DD | 0.96 |
Description: CASH Meta Financial January 16, 2026
Pathward Financial, Inc. (NASDAQ:CASH) is a bank holding company that operates the Pathward National Association, offering a full suite of banking services across Consumer, Commercial, and Corporate Services/Other segments. Its product lineup includes demand deposits, savings and money-market accounts, a range of commercial financing (term loans, asset-based lending, factoring, lease financing, insurance premium finance, and government-guaranteed loans), consumer installment and revolving credit, tax-refund advances, warehouse financing, and payment-processing solutions such as card acceptance, ATM services, digital payments, and prepaid/debit card issuance. The firm rebranded from Meta Financial Group in July 2022 and is headquartered in Sioux Falls, South Dakota, with a legacy dating back to 1954.
As of the most recent quarter, Pathward reported total assets of roughly $7.5 billion and a loan-to-deposit ratio near 78%, indicating a relatively conservative balance-sheet stance compared with peers. Net interest margin (NIM) has been pressured by a flattening yield curve, hovering around 3.1% YoY, while the company’s return on assets (ROA) sits near 0.6%, consistent with the regional-bank average. Key economic drivers include the Federal Reserve’s policy rate trajectory-higher rates can boost NIM but also increase credit-risk exposure for commercial borrowers- and regional economic conditions in the Midwest, where a slowdown in manufacturing activity could affect loan demand.
For a deeper, data-driven look at CASH’s valuation dynamics, you might explore the analytical tools available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 190.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 4.45 > 1.0 |
| NWC/Revenue: -584.8% < 20% (prev -679.4%; Δ 94.59% < -1%) |
| CFO/TA 0.08 > 3% & CFO 630.7m > Net Income 190.1m |
| Net Debt (-297.7m) to EBITDA (259.4m): -1.15 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (22.4m) vs 12m ago -7.82% < -2% |
| Gross Margin: 61.09% > 18% (prev 0.89%; Δ 6020 % > 0.5%) |
| Asset Turnover: 9.50% > 50% (prev 8.24%; Δ 1.26% > 0%) |
| Interest Coverage Ratio: 9.21 > 6 (EBITDA TTM 259.4m / Interest Expense TTM 10.4m) |
Altman Z'' -3.39
| A: -0.56 (Total Current Assets 1.68b - Total Current Liabilities 5.90b) / Total Assets 7.56b |
| B: 0.05 (Retained Earnings 346.5m / Total Assets 7.56b) |
| C: 0.01 (EBIT TTM 95.5m / Avg Total Assets 7.59b) |
| D: 0.03 (Book Value of Equity 211.8m / Total Liabilities 6.71b) |
| Altman-Z'' Score: -3.39 = D |
Beneish M -3.15
| DSRI: 0.18 (Receivables 36.2m/173.6m, Revenue 721.4m/628.2m) |
| GMI: 1.45 (GM 61.09% / 88.87%) |
| AQI: 1.15 (AQ_t 0.77 / AQ_t-1 0.67) |
| SGI: 1.15 (Revenue 721.4m / 628.2m) |
| TATA: -0.06 (NI 190.1m - CFO 630.7m) / TA 7.56b) |
| Beneish M-Score: -3.15 (Cap -4..+1) = AA |
What is the price of CASH shares?
Over the past week, the price has changed by +2.90%, over one month by +25.08%, over three months by +35.41% and over the past year by +19.39%.
Is CASH a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CASH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 100 | 6.7% |
| Analysts Target Price | 100 | 6.7% |
| ValueRay Target Price | 105.6 | 12.6% |
CASH Fundamental Data Overview February 09, 2026
P/S = 2.6636
P/B = 2.3877
Revenue TTM = 721.4m USD
EBIT TTM = 95.5m USD
EBITDA TTM = 259.4m USD
Long Term Debt = 33.5m USD (from longTermDebt, last quarter)
Short Term Debt = 9.00m USD (from shortTermDebt, last fiscal year)
Debt = 33.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -297.7m USD (from netDebt column, last quarter)
Enterprise Value = 485.8m USD (2.09b + Debt 33.5m - CCE 1.64b)
Interest Coverage Ratio = 9.21 (Ebit TTM 95.5m / Interest Expense TTM 10.4m)
EV/FCF = 1.03x (Enterprise Value 485.8m / FCF TTM 471.5m)
FCF Yield = 97.05% (FCF TTM 471.5m / Enterprise Value 485.8m)
FCF Margin = 65.36% (FCF TTM 471.5m / Revenue TTM 721.4m)
Net Margin = 26.35% (Net Income TTM 190.1m / Revenue TTM 721.4m)
Gross Margin = 61.09% ((Revenue TTM 721.4m - Cost of Revenue TTM 280.7m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.06 (Enterprise Value 485.8m / Total Assets 7.56b)
Interest Expense / Debt = 5.63% (Interest Expense 1.88m / Debt 33.5m)
Taxrate = 16.86% (7.19m / 42.7m)
NOPAT = 79.4m (EBIT 95.5m * (1 - 16.86%))
Current Ratio = 0.28 (Total Current Assets 1.68b / Total Current Liabilities 5.90b)
Debt / Equity = 0.04 (Debt 33.5m / totalStockholderEquity, last quarter 854.5m)
Debt / EBITDA = -1.15 (Net Debt -297.7m / EBITDA 259.4m)
Debt / FCF = -0.63 (Net Debt -297.7m / FCF TTM 471.5m)
Total Stockholder Equity = 841.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.50% (Net Income 190.1m / Total Assets 7.56b)
RoE = 22.60% (Net Income TTM 190.1m / Total Stockholder Equity 841.1m)
RoCE = 10.92% (EBIT 95.5m / Capital Employed (Equity 841.1m + L.T.Debt 33.5m))
RoIC = 8.81% (NOPAT 79.4m / Invested Capital 901.0m)
WACC = 8.70% (E(2.09b)/V(2.13b) * Re(8.76%) + D(33.5m)/V(2.13b) * Rd(5.63%) * (1-Tc(0.17)))
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.86%
[DCF Debug] Terminal Value 67.12% ; FCFF base≈337.2m ; Y1≈221.4m ; Y5≈101.0m
Fair Price DCF = 94.60 (EV 1.76b - Net Debt -297.7m = Equity 2.06b / Shares 21.8m; r=8.70% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 44.14 | EPS CAGR: -2.55% | SUE: 0.76 | # QB: 0
Revenue Correlation: 38.24 | Revenue CAGR: -0.64% | SUE: -0.21 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.37 | Chg30d=+0.260 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-09-30): EPS=8.64 | Chg30d=+0.190 | Revisions Net=+1 | Growth EPS=+17.8% | Growth Revenue=-2.1%
EPS next Year (2027-09-30): EPS=9.61 | Chg30d=+0.170 | Revisions Net=+2 | Growth EPS=+11.2% | Growth Revenue=+6.0%