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Pathward Financial Inc. (CASH) — RQD Stock Rating Cockpit

$76.67 +0.88% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $76.65

Pathward Financial Inc. (CASH) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.59B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $76.65 (-0.03%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 52.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CASH)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY CASH SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 52.3% FCF Margin ($438.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 31% of 52W Range • RSI-14 at 50.3 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$71.87+1.5% Next Q

Q2 (-2Q)

Grade C+$72.93+6.3% Next Q

Q3 (-1Q)

Grade B-$77.50-1.1% Next Q

Current

Grade C+$76.67+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CASH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, CASH faces multiple-compression risk if 8.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($76.51) or 200D SMA ($85.05) invalidates the momentum regime and cuts Target Base ($80.47) toward Bear Floor ($62.77).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CASH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CASH Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

50.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE31% OF RANGE

L: $66$76.67H: $101

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on CASH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (80)

21.8% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (67)

25/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like CASH

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CASH Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -11.71%📐 HORIZONTAL RANGE

2026-10-30O $76.93H $77.85L $74.88C $76.67VOL 187.8K

RES: $102.2SUP: $69.01SMA50: $76.51SMA200: $85.05

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CASH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CASH Butterfly Map → + Track CASH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-4.1%/yr Implied 5Y Growth

vs. +5.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CASH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CASH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CASH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CASH)

Financials Rank #183 of 1096 ⚔️ LOB vs CASH Full Matrix →

1. Head-to-Head Financials Peer Comparison (CASH vs. LOB, AMAL, BFC, TFIN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Pathward Financial Inc. (CASH) ranks #183 by composite RQD confidence (69/100, grade C+) and #474 by equity capitalization ($1.59B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. LOB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with CASH at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CASH ACTIVE Pathward Financial Inc.	C+	69/100	8.6x	—	21.8%	+0.88%	$1.59B	Benchmark Subject
LOB Live Oak Bancshares Inc.	B-	71/100	15.3x	—	8.5%	+1.18%	$1.62B	/lob-vs-cash →
AMAL Amalgamated Financial Corp.	B-	71/100	14.7x	—	13.1%	+0.37%	$1.53B	/amal-vs-cash →
BFC Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-cash →
TFIN Triumph Financial Inc.	D	48/100	59.9x	—	2.7%	+0.84%	$1.52B	/tfin-vs-cash →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000907471

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Pathward Financial Inc. (CASH) reported GAAP revenue of $839.9M (+5.3% vs. FY2024 revenue of $797.4M , and +15.4% cumulative change since FY2023) , GAAP net income of $185.9M, operating cash flow of $450.6M, and free cash flow of $438.9M (-8.3% YoY). On the balance sheet, CASH closed FY2025 with $7.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$839.9M	$185.9M	$450.6M	$438.9M	$7.56B	—
FY2024 (FY)	2024-09-30	$797.4M	$183.2M	$488.8M	$478.7M	$7.60B	—
FY2023 (FY)	2023-09-30	$727.7M	$143.3M	$327.9M	$327.9M	—	—

3. CASH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Pathward Financial Inc. (NASDAQ: CASH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $76.67 (+0.88% 1D, market cap $1.59B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CASH ranks #183 in composite RQD confidence.

How does CASH compare to LOB and AMAL in the Financials sector?

Within the Financials sector (Major Banks), CASH carries a Roarable C+ (69/100 RQD), trailing P/E of 8.6x, gross margin of —, and ROIC of 21.8%. By comparison, LOB (Live Oak Bancshares Inc.) holds a B- grade (71/100 RQD, P/E 15.3x, ROIC 8.5%, cap $1.62B) and AMAL (Amalgamated Financial Corp.) posts a B- grade (71/100 RQD, P/E 14.7x, ROIC 13.1%, cap $1.53B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CASH?

Per CASH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000907471), Pathward Financial Inc. generated $839.9M in revenue (+5.3% YoY), $185.9M in net income, and $438.9M in free cash flow against $7.56B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CASH trading relative to its 50-day, 200-day, and 52-week technical levels?

CASH last traded at $76.67 (+0.88% on volume of 133,524 shares), positioning the stock +0.21% above its 50-day simple moving average ($76.51) and -9.85% below its 200-day simple moving average ($85.05). Across its 52-week range of $65.87 to $101.26, CASH sits at the 30.5% percentile with a 14-day RSI of 50.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($72.61 to $80.73).

CASH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CASH stock right now?

Pathward Financial Inc. (CASH) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (22% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.

What is CASH's 12-month price target and RQD AI Jury consensus?

CASH's 12-month base price target is $80.47 (range $62.77 to $106.32), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CASH RQD Cockpit CASH 12M Forecast CASH Earnings & Move CASH Dividends & DRIP CASH Insiders & 13F CASH Whale Options CASH Profit Sankey CASH News & Why