CASH
Financial ServicesPathward Financial, Inc. · Banks - Regional · $2B
What is Pathward Financial, Inc.?
Pathward Financial is a Sioux Falls-based bank holding company offering banking, payments, and commercial finance products across the United States.
Operating through Consumer, Commercial, and Corporate Services segments, Pathward generates revenue from prepaid cards, tax refund-transfer services, commercial lending, factoring, and warehouse financing. The company serves both individual consumers and business clients through Pathward, National Association.
Is CASH a Good Stock to Buy?
UQS Score rates CASH as Good overall, with particularly Strong Quality and an Attractive Valuation relative to peers.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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CASH — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 11, 2026 | 70.0 | 92.8 | 38.0 | 50.8 | 100.0 | 99.0 | 0.0 |
| May 10, 2026 | 70.0 | 92.8 | 38.0 | 50.8 | 100.0 | 98.3 | +4.4 |
| May 9, 2026 | 65.6 | 92.8 | 38.0 | 15.5 | 100.0 | 98.4 | -4.4 |
| May 8, 2026 | 70.0 | 92.8 | 38.0 | 50.8 | 100.0 | 98.3 | 0.0 |
| Apr 26, 2026 | 70.0 | 92.8 | 38.0 | 50.8 | 100.0 | 99.0 | -1.0 |
| Apr 25, 2026 | 71.0 | 88.5 | 38.0 | 50.8 | 100.0 | 94.6 | -0.1 |
| Apr 24, 2026 | 71.1 | 88.5 | 38.0 | 50.8 | 100.0 | 95.6 | +0.6 |
| Apr 23, 2026 | 70.5 | 88.5 | 38.0 | 49.4 | 100.0 | 93.4 | +3.1 |
| Apr 19, 2026 | 67.4 | 94.8 | 38.0 | 49.4 | 63.6 | 98.7 | -0.2 |
| Apr 18, 2026 | 67.6 | 94.8 | 38.0 | 49.4 | 63.6 | 99.7 | 0.0 |
CASH — Pillar Breakdown
Quality
— 92.8/100 (25%)Pathward Financial, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 50.8/100 (20%)Pathward Financial, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 100.0/100 (15%)Pathward Financial, Inc. carries minimal financial risk with conservative leverage and strong solvency.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 98.8/100 (15%)Pathward Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 38/100 (25%)Pathward Financial, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CASH.
Score Composition
Financial Data
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How is the CASH UQS Score Calculated?
The UQS (Unified Quality Score) for Pathward Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Pathward Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Pathward Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.