Is It Too Late To Reassess Pathward Financial (CASH) After Its Strong Share Price Run?

Simply Wall St.01-27

If you are wondering whether Pathward Financial is still fairly priced or starting to look expensive at current levels, you are not alone. The stock recently closed at US$85.43, with returns of 13.5% ...

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The stock recently closed at US$85.43, with returns of 13.5% ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-cash/pathward-financial/news/is-it-too-late-to-reassess-pathward-financial-cash-after-its\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Too Late To Reassess Pathward Financial (CASH) After Its Strong Share Price Run?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Too Late To Reassess Pathward Financial (CASH) After Its Strong Share Price Run?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-27 11:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-cash/pathward-financial/news/is-it-too-late-to-reassess-pathward-financial-cash-after-its><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Pathward Financial is still fairly priced or starting to look expensive at current levels, you are not alone. The stock recently closed at US$85.43, with returns of 13.5% ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-cash/pathward-financial/news/is-it-too-late-to-reassess-pathward-financial-cash-after-its\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"CASH","symbol_name":"Pathward Financial","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-cash/pathward-financial/news/is-it-too-late-to-reassess-pathward-financial-cash-after-its","article_id":"2606270682","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7021000-choice1-main-header/1585186662944"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-cash/pathward-financial/news/is-it-too-late-to-reassess-pathward-financial-cash-after-its","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2606270682","pubTimestamp":1769484627,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Pathward Financial is still fairly priced or starting to look expensive at current levels, you are not alone.\nThe stock recently closed at US$85.43, with returns of 13.5% over 7 days, 16.3% over 30 days, 18.9% year to date, 6.9% over 1 year, 76.7% over 3 years and 120.1% over 5 years. This naturally raises questions about how much of the story is already reflected in the price.\nRecent coverage has focused on how Pathward Financial is positioned within the US...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"CASH":"Pathward Financial","BK4211":"区域性银行"},"translate_title":"在股价强劲上涨后，重新评估Pathward Financial（现金）是否为时已晚？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CASH":1.5},"content_text":"If you are wondering whether Pathward Financial is still fairly priced or starting to look expensive at current levels, you are not alone. The stock recently closed at US$85.43, with returns of 13.5% over 7 days, 16.3% over 30 days, 18.9% year to date, 6.9% over 1 year, 76.7% over 3 years and 120.1% over 5 years. This naturally raises questions about how much of the story is already reflected in the price. Recent coverage has focused on how Pathward Financial is positioned within the US banking sector and how its business model compares with peers, which helps frame those return numbers in context. Investors have been weighing this context when deciding whether the current share price still leaves room for a margin of safety or reflects a shift in risk perception. On our valuation checks Pathward Financial scores 5 out of 6, hinting that several metrics point to potential undervaluation, but with one important caveat that needs unpacking. Next we will walk through the main valuation approaches behind that score, then finish with a way of thinking about value that goes beyond any single model.  Find out why Pathward Financial's 6.9% return over the last year is lagging behind its peers. AdvertisementApproach 1: Pathward Financial Excess Returns Analysis The Excess Returns model looks at how much profit a company is expected to generate above the return that shareholders require, then converts that stream of excess profits into a per share value. For Pathward Financial, the starting point is an estimated Book Value of US$38.55 per share, rising to a Stable Book Value of US$46.03 per share, based on weighted future book value estimates from 2 analysts. On that equity base, the model uses a Stable EPS of US$10.21 per share, sourced from the median return on equity over the past 5 years, with an Average Return on Equity of 22.17%. The required return to shareholders, or Cost of Equity, is set at US$3.20 per share, which leaves an Excess Return of US$7.01 per share. When those excess returns are projected and capitalised, the model produces an intrinsic value of about US$235.57 per share. Compared with the recent share price of US$85.43, this suggests the stock is 63.7% undervalued on this framework. Result: UNDERVALUED Our Excess Returns analysis suggests Pathward Financial is undervalued by 63.7%. Track this in your watchlist or portfolio, or discover 886 more undervalued stocks based on cash flows. CASH Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Pathward Financial. Approach 2: Pathward Financial Price vs Earnings For a profitable company like Pathward Financial, the P/E ratio is a useful way to gauge how much you are paying for each dollar of earnings. It condenses a lot of information into one number, which makes it a practical cross check against more detailed models. What counts as a normal or fair P/E depends on what the market expects for future growth and how risky those earnings appear. Higher growth or lower perceived risk can support a higher P/E, while lower growth or higher perceived risk usually point to a lower multiple. Pathward Financial currently trades on a P/E of 9.94x. That sits below the Banks industry average of 11.79x and below the broader peer group average of 19.30x. Simply Wall St also calculates a proprietary Fair Ratio of 10.48x, which reflects factors such as earnings growth, profit margins, industry, market cap and specific risks. This Fair Ratio can be more tailored than a simple comparison with peers or the sector, because it adjusts for the company’s own characteristics rather than assuming all banks should trade on the same multiple. With a current P/E of 9.94x versus a Fair Ratio of 10.48x, this metric suggests the stock is trading below that fair value estimate. Result: UNDERVALUED NasdaqGS:CASH P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1424 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Pathward Financial Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives. A Narrative is simply your story about a company, where you spell out what you think its future revenue, earnings and margins could look like, then link that story to a fair value estimate instead of relying only on past data or a single model. On Simply Wall St, Narratives live in the Community page and are designed to be easy to use, so you can connect a company’s story to a financial forecast, see the implied fair value and then compare that to the current share price to help you think about whether it might be a buy, a hold or a sell for you. Because Narratives on the platform are refreshed when new information arrives, such as earnings reports or news, your view of Pathward Financial’s fair value can adjust as the facts change, and you can also see that some investors build Narratives with very optimistic assumptions while others use much more cautious numbers for the same stock. Do you think there's more to the story for Pathward Financial? Head over to our Community to see what others are saying! NasdaqGS:CASH 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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