Pathward Financial, Inc. (CASH)
Banks - Regional · Financial Services · $1.8B
Intrinsic Value (Consensus)
$86.88
Current Price
$82.07
Margin of Safety
+5.9%
5.9% Below Intrinsic Value
Value: $87
Price: $82
Valuation Model Estimates
Current Price: $82.07
DCF (Discounted Cash Flow)
$875.07
Graham Number
$80.37
Earnings Power Value
$76.41
Relative Value (P/E)
$157.40
Dividend Discount Model
$33.33
Consensus Value
$86.88
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
81
Profitability
22/25
Strength
25/25
Valuation
15/25
Growth
19/25
Financial Health Signals
Strong profitability — ROE of 22% (above 20% is excellent)
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (24.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $7.87
- EPS (Forward)
- $9.44
- Book Value
- $36.48
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 21.7%
- Debt/Equity
- 4%
- Revenue Growth
- 11.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.1%
- Beta
- 0.62
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Data last updated: 2026-06-21
Source: Yahoo Finance