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Pathward Financial (CASH) Ratios
Pathward Financial Ratios
CASH's free cash flow for Q4 2026 was $0.00. For the 2026 fiscal year, CASH's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Sep 26 | Sep 25 | Sep 24 | Sep 23 | Sep 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.24 | 0.22 | 0.33 | 0.35 | 0.41 |
| Quick Ratio | 0.24 | 0.22 | 0.33 | 0.35 | 0.41 |
| Cash Ratio | 0.03 | 0.02 | 0.03 | 0.05 | 0.06 |
| Solvency Ratio | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 |
| Operating Cash Flow Ratio | 0.00 | 0.08 | 0.07 | 0.04 | 0.04 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 50.07 | 1.20 | 23.32 | 0.00 |
| Net Current Asset Value | $ -4.97B | $ -5.03B | $ -4.63B | $ -4.50B | $ -3.60B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.01 | 0.05 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.45 | 0.05 | 0.49 | 0.07 | 0.06 |
| Debt-to-Capital Ratio | 0.31 | 0.05 | 0.33 | 0.07 | 0.05 |
| Long-Term Debt-to-Capital Ratio | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 |
| Financial Leverage Ratio | 8.84 | 8.36 | 8.99 | 11.56 | 10.46 |
| Debt Service Coverage Ratio | 0.51 | 11.97 | 0.61 | 9.67 | 44.27 |
| Interest Coverage Ratio | 20.53 | 19.23 | 10.30 | 16.75 | 37.01 |
| Debt to Market Cap | 0.24 | 0.02 | 0.25 | 0.04 | 0.04 |
| Interest Debt Per Share | 17.63 | 2.31 | 17.15 | 2.15 | 1.40 |
| Net Debt to EBITDA | 1.00 | -0.28 | 0.91 | -1.33 | -1.46 |
| Profitability Margins | |||||
| Gross Profit Margin | 88.29% | 90.02% | 88.14% | 88.40% | 88.22% |
| EBIT Margin | 24.66% | 32.55% | 32.68% | 30.96% | 34.45% |
| EBITDA Margin | 24.66% | 41.27% | 41.32% | 42.00% | 46.22% |
| Operating Profit Margin | 24.66% | 32.55% | 32.68% | 30.96% | 34.45% |
| Pretax Profit Margin | 24.66% | 32.55% | 32.68% | 30.96% | 34.45% |
| Net Profit Margin | 21.11% | 27.13% | 27.39% | 27.81% | 28.88% |
| Continuous Operations Profit Margin | 21.20% | 27.26% | 27.58% | 28.19% | 29.44% |
| Net Income Per EBT | 85.60% | 83.33% | 83.81% | 89.83% | 83.82% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.42% | 2.59% | 2.43% | 2.17% | 2.24% |
| Return on Equity (ROE) | 21.42% | 21.66% | 21.81% | 25.11% | 23.43% |
| Return on Capital Employed (ROCE) | 16.72% | 17.48% | 16.85% | 26.61% | 26.47% |
| Return on Invested Capital (ROIC) | 11.30% | 14.53% | 11.02% | 23.77% | 22.62% |
| Return on Tangible Assets | 2.53% | 2.71% | 2.54% | 2.27% | 2.36% |
| Earnings Yield | 11.52% | 10.73% | 11.03% | 13.23% | 15.69% |
| Efficiency Ratios | |||||
| Receivables Turnover | 23.23 | 3.65 | 3.64 | 2.85 | 2.29 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.19 | 3.42 | 2.74 | 2.34 | 2.13 |
| Asset Turnover | 0.11 | 0.10 | 0.09 | 0.08 | 0.08 |
| Working Capital Turnover Ratio | -0.18 | -0.16 | -0.15 | -0.15 | -0.15 |
| Cash Conversion Cycle | 15.71 | 100.01 | 100.16 | 128.24 | 159.47 |
| Days of Sales Outstanding | 15.71 | 100.01 | 100.16 | 128.24 | 159.47 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 15.71 | 100.01 | 100.16 | 128.24 | 159.47 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.00 | 19.26 | 18.02 | 11.30 | 9.20 |
| Free Cash Flow Per Share | 0.00 | 10.11 | 7.02 | -5.47 | -5.82 |
| Dividend Paid and CapEx Coverage Ratio | 0.00 | 2.06 | 1.61 | 0.67 | 0.60 |
| Capital Expenditure Coverage Ratio | 0.00 | 2.11 | 1.64 | 0.67 | 0.61 |
| Operating Cash Flow Coverage Ratio | 0.00 | 10.61 | 1.11 | 6.47 | 7.46 |
| Operating Cash Flow to Sales Ratio | 0.00 | 0.66 | 0.68 | 0.52 | 0.51 |
| Free Cash Flow Yield | 0.00% | 13.66% | 10.64% | -11.87% | -17.65% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.70 | 9.36 | 9.07 | 7.56 | 6.37 |
| Price-to-Sales (P/S) Ratio | 1.83 | 2.53 | 2.48 | 2.10 | 1.84 |
| Price-to-Book (P/B) Ratio | 1.86 | 2.02 | 1.98 | 1.90 | 1.49 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 0.00 | 7.32 | 9.40 | -8.42 | -5.66 |
| Price-to-Operating Cash Flow Ratio | 0.00 | 3.84 | 3.66 | 4.08 | 3.58 |
| Price-to-Earnings Growth (PEG) Ratio | 2.55 | 0.96 | 0.45 | 0.53 | 0.32 |
| Enterprise Value Multiple | 8.43 | 5.85 | 6.92 | 3.67 | 2.53 |
| Enterprise Value | 1.73B | 1.65B | 1.91B | 908.03M | 611.31M |
| EV to EBITDA | 8.43 | 5.85 | 6.92 | 3.67 | 2.53 |
| EV to Sales | 2.08 | 2.41 | 2.86 | 1.54 | 1.17 |
| EV to Free Cash Flow | 0.00 | 6.99 | 10.82 | -6.19 | -3.59 |
| EV to Operating Cash Flow | 0.00 | 3.67 | 4.22 | 3.00 | 2.27 |
| Tangible Book Value Per Share | 23.93 | 23.38 | 20.40 | 11.94 | 10.60 |
| Shareholders’ Equity Per Share | 38.25 | 36.67 | 33.37 | 24.28 | 22.07 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.14 | 0.16 | 0.16 | 0.09 | 0.15 |
| Revenue Per Share | 38.81 | 29.29 | 26.58 | 21.92 | 17.91 |
| Net Income Per Share | 8.19 | 7.94 | 7.28 | 6.10 | 5.17 |
| Tax Burden | 0.86 | 0.83 | 0.84 | 0.90 | 0.84 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.32 | 0.29 | 0.30 | 0.31 | 0.33 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 |
| Income Quality | 0.00 | 2.41 | 2.69 | 1.83 | 1.69 |
Currency in USD
