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Pathward Financial Inc is a unitary savings and loan holding company. It's a wholly owned full-service banking subsidiary of Meta Financial, is both a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves, and a payments company providing services on a nationwide basis. It operates through three reportable segments: Consumer: The Consumer segment includes the Partner Solutions business line, which collaborates with partners to navigate payment and lending needs; Commercial: The Commercial segment includes the Company's Commercial Finance business line, which helps businesses access funds needed to launch, operate, and grow; and Corporate Services. The majority of the revenue is generated from Consumer segment.
1993
1.2K+
LTM Revenue $781M
Last FY EBITDA n/a
$1.9B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Pathward Financial has a last 12-month revenue (LTM) of $781M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Pathward Financial achieved revenue of $605M and an EBITDA of n/a.
Pathward Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Pathward Financial valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $781M | XXX | $605M | XXX | XXX | XXX |
| Gross Profit | $781M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $253M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 32% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $175M | XXX | $168M | XXX | XXX | XXX |
| Net Margin | 22% | XXX | 28% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $252M | XXX | XXX | XXX |
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As of May 30, 2025, Pathward Financial's stock price is $78.
Pathward Financial has current market cap of $1.8B, and EV of $1.9B.
See Pathward Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.9B | $1.8B | XXX | XXX | XXX | XXX | $7.21 |
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Start Free TrialAs of May 30, 2025, Pathward Financial has market cap of $1.8B and EV of $1.9B.
Pathward Financial's trades at 2.9x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Pathward Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Pathward Financial has a P/E ratio of 10.5x.
See valuation multiples for Pathward Financial and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $1.8B | XXX | $1.8B | XXX | XXX | XXX |
| EV (current) | $1.9B | XXX | $1.9B | XXX | XXX | XXX |
| EV/Revenue | 2.4x | XXX | 2.9x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 7.4x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 2.4x | XXX | n/a | XXX | XXX | XXX |
| P/E | 10.5x | XXX | 10.8x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | -28.4x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialPathward Financial's last 12 month revenue growth is 6%
Pathward Financial's revenue per employee in the last FY averaged $0.5M, while opex per employee averaged n/a for the same period.
Pathward Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Pathward Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Pathward Financial and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 6% | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.5M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| RAKBANK | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Pathward Financial acquired XXX companies to date.
Last acquisition by Pathward Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . Pathward Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Pathward Financial founded? | Pathward Financial was founded in 1993. |
| Where is Pathward Financial headquartered? | Pathward Financial is headquartered in United States of America. |
| How many employees does Pathward Financial have? | As of today, Pathward Financial has 1.2K+ employees. |
| Who is the CEO of Pathward Financial? | Pathward Financial's CEO is Mr. Brett L. Pharr. |
| Is Pathward Financial publicy listed? | Yes, Pathward Financial is a public company listed on NAS. |
| What is the stock symbol of Pathward Financial? | Pathward Financial trades under CASH ticker. |
| When did Pathward Financial go public? | Pathward Financial went public in 1993. |
| Who are competitors of Pathward Financial? | Similar companies to Pathward Financial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
| What is the current market cap of Pathward Financial? | Pathward Financial's current market cap is $1.8B |
| What is the current revenue of Pathward Financial? | Pathward Financial's last 12 months revenue is $781M. |
| What is the current revenue growth of Pathward Financial? | Pathward Financial revenue growth (NTM/LTM) is 6%. |
| What is the current EV/Revenue multiple of Pathward Financial? | Current revenue multiple of Pathward Financial is 2.4x. |
| Is Pathward Financial profitable? | Yes, Pathward Financial is EBITDA-positive (as of the last 12 months). |
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