Pathward Financial Inc.
Find Ratings ReportsPATHWARD FINANCIAL INC's gross profit margin for the first quarter of its fiscal year 2024 is essentially unchanged when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 10.68% from the same quarter last year.
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Income Statement | Q1 FY24 | Q1 FY23 |
---|---|---|
Net Sales ($mil) | 166.16 | 140.84 |
EBITDA ($mil) | 94.91 | 78.73 |
EBIT ($mil) | 94.91 | 78.73 |
Net Income ($mil) | 27.66 | 27.84 |
Balance Sheet | Q1 FY24 | Q1 FY23 |
---|---|---|
Cash & Equiv. ($mil) | 671.63 | 369.17 |
Total Assets ($mil) | 7927.44 | 6659.23 |
Total Debt ($mil) | 62.26 | 66.16 |
Equity ($mil) | 729.79 | 659.34 |
Profitability | Q1 FY24 | Q1 FY23 |
---|---|---|
Gross Profit Margin | 90.52 | 92.35 |
EBITDA Margin | 57.11 | 55.9 |
Operating Margin | 57.12 | 55.9 |
Sales Turnover | 0.09 | 0.09 |
Return on Assets | 2.06 | 1.84 |
Return on Equity | 22.39 | 18.64 |
Debt | Q1 FY24 | Q1 FY23 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.08 | 0.09 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q1 FY24 | Q1 FY23 |
---|---|---|
Shares outstanding (mil) | 25.99 | 28.21 |
Div / share | 0.05 | 0.05 |
EPS | 1.06 | 0.98 |
Book value / share | 28.08 | 23.37 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 181666.0 | 174426.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.70 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, PATHWARD FINANCIAL INC proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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CASH 7.85 | Peers 17.75 | CASH 4.37 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. CASH is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. CASH is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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CASH 7.19 | Peers 13.86 | CASH 1.34 | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. CASH is trading at a significant discount to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. CASH trades at a discount to its peers. |
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Price/Book |
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Earnings Growth |
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CASH 1.70 | Peers 8.64 | CASH 44.65 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. CASH is trading at a significant discount to its peers. |
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. CASH is expected to have an earnings growth rate that significantly exceeds its peers. |
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Price/Sales |
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Sales Growth |
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CASH 1.70 | Peers 4.87 | CASH 24.39 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. CASH is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. CASH significantly trails its peers on the basis of sales growth. |
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