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Pathward Financial (DE:FM7)
FRANKFURT:FM7

Pathward Financial (FM7) Price & Analysis

1 Followers

FM7 Stock Chart & Stats

€71.50
-€2.00(-2.68%)
At close: 4:00 PM EDT
€71.50
-€2.00(-2.68%)

Bulls Say, Bears Say

Bulls Say
Strong Profitability And Cash GenerationStrong returns and recently improved cash generation indicate that Pathward is converting its banking operations into meaningful earnings and internally generated funds. This supports investment, capital returns, and balance-sheet resilience, although the sustainability of recent cash-flow gains remains important to monitor.
Loan Growth And Constructive Earnings OutlookLoan growth, stable adjusted NIM, and new FY2027 earnings guidance point to continued operating momentum beyond the current quarter. Expanding earning assets can support future net interest income, while management’s outlook provides evidence of a durable growth pipeline despite recent credit charges.
Partner And Payments Platform MomentumPathward’s partner-led distribution model can expand financial-services volume without relying on a large traditional branch network. Continued BaaS, payments, tax, and acquiring traction broadens fee opportunities and may improve operating scale as partner activity grows over the next several quarters.
Bears Say
Elevated Commercial Credit ProvisioningThe size of the recent provision materially reduced quarterly earnings and lowered fiscal 2026 guidance, showing that individual commercial exposures can affect results disproportionately. Further credit deterioration or additional reserves would pressure profitability and reduce capital available for growth or shareholder returns.
Higher Nonperforming Loans In Renewable EnergyConcentrated nonaccrual exposure to renewable energy construction projects creates a continuing portfolio-risk overhang while completion and resolution efforts proceed. These loans can weigh on interest income, require additional reserves, and make future earnings more sensitive to developments in a specific borrower group.
Margin Compression And Moderate Revenue GrowthProfitability remains healthy but has compressed from recent annual levels, while revenue growth is moderate rather than rapid. Persistent pressure on margins could limit earnings expansion, particularly if funding costs, credit provisions, or the post-portfolio-sale revenue mix offset growth in newer lending and fee businesses.

Pathward Financial News

FM7 FAQ

What was Pathward Financial’s price range in the past 12 months?
Pathward Financial lowest stock price was €57.00 and its highest was €84.50 in the past 12 months.
    What is Pathward Financial’s market cap?
    Pathward Financial’s market cap is €1.34B.
      When is Pathward Financial’s upcoming earnings report date?
      Pathward Financial’s upcoming earnings report date is Oct 21, 2026 which is today.
        How were Pathward Financial’s earnings last quarter?
        Pathward Financial released its earnings results on Jul 22, 2026. The company reported €1.22 earnings per share for the quarter, missing the consensus estimate of €1.736 by -€0.515.
          Is Pathward Financial overvalued?
          According to Wall Street analysts Pathward Financial’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Pathward Financial pay dividends?
            Pathward Financial does not currently pay dividends.
            What is Pathward Financial’s EPS estimate?
            Pathward Financial’s EPS estimate is 1.41.
              How many shares outstanding does Pathward Financial have?
              Pathward Financial has 20,773,361 shares outstanding.
                What happened to Pathward Financial’s price movement after its last earnings report?
                Pathward Financial reported an EPS of €1.22 in its last earnings report, missing expectations of €1.736. Following the earnings report the stock price went down -3.247%.
                  Which hedge fund is a major shareholder of Pathward Financial?
                  Currently, no hedge funds are holding shares in DE:FM7
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Pathward Financial

                    Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.

                    Pathward Financial (FM7) Earnings & Revenues

                    FM7 Company Deck

                    FM7 Earnings Call

                    Q3 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Neutral
                    The call described a generally healthy operating performance with solid revenue growth, strong returns, sizable liquidity, active share repurchases, and a constructive pipeline and FY2027 guidance. However, the quarter was materially impacted by specific credit losses (two large reserves, a CECL build and a suspected fraud), which reduced near-term EPS and increased nonperforming loans. Management characterized these as idiosyncratic events, maintained confidence in the broader portfolio and balance sheet, and emphasized ongoing discipline in underwriting, expense management, and capital deployment.View all DE:FM7 earnings summaries

                    FM7 Stock 12 Month Forecast

                    Average Price Target

                    €93.50
                    ▲(30.77% Upside)
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