Pathward Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Pathward Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$22Sales grew 30% in 3 years; of every extra $100 of sales, $22 became extra profit.
Lower than 51% of Financial Services companies in United States.
Asset Productivity Ratio
+30% / +6%In 3 years sales changed by +30% while total assets changed by +6%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
96%Of every $100 the company owns, $96 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 71% of Financial Services companies in United States.
Tangible Net Worth Ratio
64%Of every $100 of net worth, $64 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 77% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Pathward Financial, Inc. owes $0.88 for every $1 it owns. Net profit rose 1% in the year to Sep 2025, and grew 7% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Sep 2025.
P/E ratio
9.6Investors pay $9.6 for every $1 of Pathward Financial, Inc.'s yearly profit, lower than 82% of Financial Services companies in United States.
P/B ratio
1.87The share price is 1.87 times Pathward Financial, Inc.'s book value per share, higher than 77% of Financial Services companies in United States.
Market cap
$1.6 BThe total market value of all of Pathward Financial, Inc.'s shares at today's price (share price × number of shares), larger than 63% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$851 MWhat Pathward Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$40.96Net worth divided by the number of shares. The share price of $76.75 is 1.9 times this, which is the P/B above.
Return on equity (ROE)
21.2%Pathward Financial, Inc. earned 21.2% on its shareholders' money over the last year, higher than 87% of Financial Services companies in United States.
Owes vs Owns
0.88×Pathward Financial, Inc. owes $0.88 for every $1 it owns (high), higher than 67% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.27%Pathward Financial, Inc. pays 0.27% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Revenue growth
+4%Revenue rose 4% in the year to Sep 2025, and grew 9% a year on average over 3 years.
Profit growth
+1%Net profit rose 1% in the year to Sep 2025, and grew 7% a year on average over 3 years.
Profit margin
27.6%Pathward Financial, Inc. keeps $28 of every $100 of revenue as net profit.
Questions
What is Pathward Financial, Inc.'s P/E ratio?
Investors pay $9.6 for every $1 of Pathward Financial, Inc.'s yearly profit, lower than 82% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Pathward Financial, Inc.: $1.6 B ÷ $851 M (30 Jun 2026) = 1.9.
What is Pathward Financial, Inc.'s return on equity?
Pathward Financial, Inc. earned 21.2% on its shareholders' money over the last year, higher than 87% of Financial Services companies in United States.
How much does Pathward Financial, Inc. owe compared with what it owns?
Pathward Financial, Inc. owes $0.88 for every $1 it owns (high), higher than 67% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Pathward Financial, Inc. pay a dividend?
Yes. Pathward Financial, Inc. pays 0.27% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Is Pathward Financial, Inc.'s revenue growing?
Revenue rose 4% in the year to Sep 2025, and grew 9% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.