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Pathward Financial (DE:FM7)
NASDAQ:FM7

Pathward Financial (FM7) Price & Analysis

1 Followers

FM7 Stock Chart & Stats

€82.00
€0.50(0.70%)
At close: 4:00 PM EST
€82.00
€0.50(0.70%)

Bulls Say, Bears Say

Bulls Say
Diversified Fee-heavy Revenue MixA fee-dominated revenue mix (55% noninterest income) lessens reliance on interest rate cycles and supports stable margins and cash generation from partner programs and payment services. This structural mix enhances resilience across rate environments and underpins durable revenue streams.
Tax Services Momentum And ScaleGrowing, high-margin tax services and Refund Advance originations provide seasonal but repeatable earnings leverage and strong pre-income margins. Scale in tax products and improved underwriting/data analytics support durable cash flow and profit cyclicality capture over multiple years.
Conservative Balance Sheet And Ample LiquidityLow trailing leverage, strong returns on equity, and multi-billion dollar liquidity afford funding flexibility, allow opportunistic asset rotation or workouts, and support capital returns. This conservative positioning reduces refinancing and solvency risk across economic cycles.
Bears Say
Rising Nonperforming LoansAn uptick in NPLs signals credit stress that can pressure earnings and require higher provisions. If elevated or prolonged, this weakens credit profitability and could force tighter underwriting or capital build, affecting sustainable net income over coming quarters.
Credit Concentration And Lumpy WorkoutsConcentrated problem exposures create episodic losses and provisioning swings. Lumpy workout timing increases volatility in credit metrics and complicates forecasting, reducing confidence in steady earnings and potentially raising funding costs or capital needs during remediation.
Multi-year Cash-flow VolatilityIntermittent negative free cash flow across recent years reduces confidence in sustained free-cash conversion. This variability can constrain reinvestment, dividends, or buybacks during weaker periods and makes long-term capital planning and stress-testing more challenging.

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 €1.63B.
      When is Pathward Financial’s upcoming earnings report date?
      Pathward Financial’s upcoming earnings report date is Jul 22, 2026 which is in 11 days.
        How were Pathward Financial’s earnings last quarter?
        Pathward Financial released its earnings results on Apr 22, 2026. The company reported €2.924 earnings per share for the quarter, the consensus estimate of €2.924 by €0.
          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 1.7.
              How many shares outstanding does Pathward Financial have?
              Pathward Financial has 21,110,035 shares outstanding.
                What happened to Pathward Financial’s price movement after its last earnings report?
                Pathward Financial reported an EPS of €2.924 in its last earnings report, expectations of €2.924. Following the earnings report the stock price went up 0.602%.
                  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

                    Q2 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call highlighted several material operating and financial wins — a strong tax season driving noninterest income, double-digit increases in card and deposit fee income, solid originations and commercial finance growth, YoY improvement in adjusted NIM, high returns (ROA and ROTE), ample liquidity, and ongoing buybacks — while also acknowledging near-term credit metric volatility (NPL uptick, higher provisions) and timing headwinds (secondary market revenue, government-related delays). Management characterized many negatives as idiosyncratic, timing‑related or the result of disciplined balance‑sheet actions (portfolio sale, asset rotation). Given the breadth and magnitude of the positive operating trends, guidance maintenance, and management’s view that credit remains benign on a trailing 12‑month basis, the highlights outweigh the lowlights.View all DE:FM7 earnings summaries

                    FM7 Stock 12 Month Forecast

                    Average Price Target

                    €93.92
                    ▲(14.53% Upside)
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