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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 ReturnsSustained profitability and high returns on equity indicate that Pathward is converting its specialty banking and payments platform into meaningful earnings. This supports internal capital formation, provides resilience across lending cycles, and gives management resources to invest in technology and scalable growth.
Loan Growth And Partner-led ExpansionGrowing loans and leases, alongside continued partner and payments momentum, strengthens both interest income and fee-based revenue potential. The partner-led model can expand distribution without relying on a large branch network, supporting durable operating leverage as programs scale.
Improved Cash Generation And LiquidityStrong recent cash generation and substantial liquidity improve Pathward’s ability to fund lending, absorb operating volatility, and pursue technology or partnership investments. Robust internal funding also supports continued capital returns while preserving flexibility against changes in credit or funding conditions.
Bears Say
Elevated Credit Losses And Nonperforming LoansLarge specific reserves, a CECL build, and rising nonperforming loans have already reduced earnings and lowered fiscal 2026 guidance. Although management described the events as idiosyncratic, further deterioration or recovery shortfalls could pressure provisions, capital generation, and confidence in portfolio quality.
Margin And Earnings PressureThe portfolio sale removed assets that had supported higher yields, leaving net interest income and reported margins under pressure even as earning assets increased. This creates a durable earnings headwind unless loan growth, reinvestment, or fee income offsets the changed revenue mix.
President Resignation And Leadership TransitionThe departure of a president introduces execution and accountability risk during an important period of credit management, partner expansion, and strategic investment. Redistributing responsibilities may preserve continuity, but transition effectiveness will matter for maintaining decision speed and operating discipline.

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 €1.33B.
      When is Pathward Financial’s upcoming earnings report date?
      Pathward Financial’s upcoming earnings report date is Oct 21, 2026 which is in 8 days.
        How were Pathward Financial’s earnings last quarter?
        Pathward Financial released its earnings results on Jul 22, 2026. The company reported €1.221 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 €1.221 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

                    €93.71
                    ▲(31.07% Upside)
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