Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Pathward Financial, Inc.'s quarterly P/E stands at 11.3x, down 24.4% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.49 | 11.31 | 10.95 | 10.93 | 5.81 | 14.96 | 12.32 | 7.95 | 4.61 | 12.48 | 8.47 | 6.90 | 5.21 |
| — | -24.4% | -11.1% | +37.5% | +26.1% | +19.8% | +45.4% | +15.2% | -11.6% | +13.7% | -16.7% | -45.8% | -37.0% | |
| P/S Ratio | 2.62 | 2.27 | 2.72 | 2.90 | 1.84 | 3.29 | 2.96 | 2.28 | 1.44 | 2.55 | 2.20 | 2.21 | 1.44 |
| — | -30.9% | -8.2% | +27.2% | +27.6% | +28.9% | +34.6% | +3.0% | -0.1% | -0.4% | +0.8% | -7.4% | -35.6% | |
| P/B Ratio | 2.26 | 1.86 | 1.97 | 2.24 | 2.13 | 2.30 | 1.94 | 1.85 | 1.73 | 1.87 | 1.84 | 1.81 | 1.67 |
| — | -19.1% | +1.5% | +21.2% | +23.3% | +22.9% | +5.5% | +2.1% | +3.2% | +2.1% | +26.1% | +17.5% | -20.4% | |
| P/FCF | 7.59 | 6.77 | 2.00 | 256.56 | 2.88 | — | 4.76 | 6.76 | 2.57 | — | 6.99 | — | 4.32 |
| — | — | -57.9% | +3694.6% | +12.3% | — | -31.9% | — | -40.6% | — | — | — | -56.6% | |
| EV / EBITDA | 6.07 | 5.76 | 6.43 | 6.91 | 3.54 | 5.98 | 9.20 | 4.38 | 2.44 | 3.76 | 4.42 | 3.81 | 2.29 |
| — | -3.7% | -30.1% | +57.9% | +45.2% | +58.9% | +108.3% | +14.8% | +6.6% | -14.7% | +11.5% | -26.2% | -53.9% | |
| EV / EBIT | 7.70 | 7.57 | 8.33 | 9.12 | 4.14 | 8.45 | 12.65 | 5.60 | 2.85 | 5.41 | 6.44 | 4.99 | 2.99 |
| — | -10.4% | -34.1% | +62.8% | +45.1% | +56.2% | +96.4% | +12.3% | -4.6% | -13.5% | -0.3% | -37.0% | -52.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Pathward Financial, Inc.'s operating margin was 24.4% in Q1 2026, down 6.8 pp QoQ and down 2.2 pp YoY. The trailing four-quarter average of 31.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 15.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.0% | 97.1% | 103.2% | 93.3% | 82.6% | 84.0% | 96.6% | 90.3% | 82.8% | 88.2% | 89.9% | 97.4% | 79.5% |
| — | +15.6% | +6.8% | +3.3% | -0.2% | -4.8% | +7.5% | -7.2% | +4.1% | -2.9% | -11.9% | -2.3% | -2.1% | |
| Operating Margin | 32.6% | 24.4% | 31.1% | 29.8% | 38.7% | 26.6% | 27.0% | 33.0% | 39.3% | 25.1% | 24.8% | 35.2% | 33.0% |
| — | -8.4% | +15.2% | -9.6% | -1.4% | +5.9% | +9.1% | -6.3% | +18.9% | -15.3% | +17.1% | +33.8% | +1.9% | |
| Net Margin | 27.1% | 20.1% | 25.0% | 26.7% | 31.8% | 22.1% | 24.4% | 28.9% | 31.5% | 20.7% | 26.4% | 32.5% | 28.0% |
| — | -9.0% | +2.4% | -7.8% | +0.7% | +6.7% | -7.5% | -11.0% | +12.5% | -12.4% | +21.5% | +69.9% | +2.0% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 21.9% | 4.1% | 4.6% | 5.2% | 9.4% | 3.7% | 4.2% | 6.0% | 9.5% | 4.0% | 5.4% | 6.7% | 8.2% |
| — | +10.7% | +10.6% | -13.4% | -1.0% | -7.5% | -22.6% | -10.7% | +15.8% | -6.1% | +58.1% | +121.9% | +32.7% | |
| ROA | 2.5% | 0.5% | 0.5% | 0.6% | 1.0% | 0.4% | 0.4% | 0.6% | 0.9% | 0.4% | 0.5% | 0.6% | 0.8% |
| — | +20.7% | +20.9% | -1.2% | +12.7% | +10.4% | -7.0% | -4.7% | +12.4% | -13.9% | +37.8% | +91.4% | +19.2% | |
| ROIC | 15.6% | 3.6% | 3.9% | 3.9% | 8.3% | 2.6% | 2.7% | 4.8% | 8.3% | 3.5% | 3.1% | 4.3% | 6.7% |
| — | +35.9% | +42.6% | -18.6% | -0.8% | -23.7% | -11.7% | +10.7% | +24.4% | -9.5% | +28.2% | +49.6% | +36.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Pathward Financial, Inc.'s Debt/EBITDA ratio is 0.6x, down from 0.7x last quarter — comfortably within a safe range. The current ratio has weakened 39.4% YoY to 0.21x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.05 | 0.04 | 0.05 | 0.18 | 0.04 | 0.04 | 0.49 | 0.04 | 0.09 | 0.05 | 0.07 | 0.39 | 0.12 |
| — | -8.8% | -89.9% | +316.6% | -52.9% | -6.7% | +578.4% | -88.8% | -24.4% | -13.1% | +29.0% | +1600.3% | -3.8% | |
| Debt / EBITDA | 0.15 | 0.60 | 0.68 | 2.38 | 0.31 | 0.65 | 8.02 | 0.51 | 0.63 | 0.70 | 0.95 | 4.13 | 0.92 |
| — | -8.6% | -91.6% | +369.0% | -50.5% | -6.1% | +741.8% | -87.7% | -31.2% | -1.4% | -1.5% | +1074.2% | -26.0% | |
| Current Ratio | 0.22 | 0.21 | 0.22 | 0.24 | 0.25 | 0.35 | 0.33 | 0.34 | 0.36 | 0.39 | 0.35 | 0.39 | 0.40 |
| — | -39.4% | -34.8% | -31.5% | -31.1% | -12.4% | -4.3% | -12.6% | -8.6% | -2.9% | -15.5% | -0.4% | -6.0% | |
| Quick Ratio | 0.22 | 0.21 | 0.22 | 0.24 | 0.25 | 0.35 | 0.33 | 0.34 | 0.36 | 0.39 | 0.35 | 0.39 | 0.40 |
| — | -39.4% | -34.8% | -31.5% | -31.1% | -12.4% | -4.3% | -12.6% | -8.6% | -2.9% | -15.5% | -0.4% | -6.0% | |
| Interest Coverage | 19.23 | 22.64 | 32.51 | 36.87 | 15.96 | 11.65 | 9.72 | 16.60 | 10.29 | 5.74 | 7.17 | 25.97 | 19.67 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CASH stock.
Pathward Financial, Inc.'s current P/E is 10.5x. The average P/E over the last 4 quarters is 9.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pathward Financial, Inc.'s current operating margin is 32.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Pathward Financial, Inc.'s business trajectory between earnings reports.