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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Pathward Financial Inc. (CASH) advanced +0.88% to $76.67, trading at 31% of its 52-week range ($65.87 – $101.26). Solid steady margins (22% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
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Shares of financial services company Pathward Financial (NASDAQ:CASH) jumped 4.1% in the afternoon session after the company reported its financial results for the fourth quarter and fiscal year ended September 30, 2026.
Financial services company Pathward Financial (NASDAQ:CASH) announced better-than-expected revenue in calendar Q3 2026 (fiscal Q4 2026), but sales fell by 2.7% year on year to $183.1 million. Its non-GAAP profit of $1.85
Pathward Financial (CASH) is back in focus after quarterly earnings and revenue topped Wall Street forecasts, along with a renewed H&R Block partnership that secures deposit flows and fee income visibility through mid 20
Loan originations nearly doubled while revenue concentration stayed low, a combination that rewards disciplined growth.
Commercial finance segment drives results; management guides fiscal 2027 EPS to $9.50–$10.00.
Moby summary of Pathward Financial, Inc.'s Q4 2026 earnings call
Pathward Financial (NASDAQ:CASH) said its fourth-quarter and fiscal 2026 performance reflected growth in commercial finance and payments-related fee income, while the company continued to address a group of previously di
Pathward (CASH) delivered earnings and revenue surprises of +13.50% and +2.10%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
The headline numbers for Pathward (CASH) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +5.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CASH today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CASH. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why CASH Stock advanced +0.88% Today — RQD Quant Desk Flash. Solid steady margins (22% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.