Pathward Financial, Inc. Ratios

Ratios Sep2009 Sep2010 Sep2011 Sep2012 Sep2013 Sep2014 Sep2015 Sep2016 Sep2017 Sep2018 Sep2019 Sep2020 Sep2021 Sep2022 Sep2023 Sep2024 Sep2025
Profitability
Gross Margin 97.20%97.76%97.27%96.91%
EBT Margin -11.14%15.18%9.00%25.94%18.71%19.00%16.55%55.04%58.23%58.63%112.41%131.62%144.70%170.53%102.85%173.59%178.48%
EBIT Margin -11.14%19.77%14.17%9.08%6.55%6.65%5.79%-93.70%-113.06%-135.81%-285.46%170.30%151.04%175.13%110.07%190.45%187.76%
EBITDA Margin 9.55%12.13%10.21%
Operating Margin 9.08%6.55%6.65%5.79%-93.70%-113.06%-135.81%-285.46%
Net Margin -8.12%9.49%5.05%16.57%14.66%16.03%15.38%47.10%47.43%53.40%116.28%125.14%134.80%145.75%96.49%146.50%149.46%
FCF Margin 24.69%21.81%73.43%-30.95%23.96%37.64%101.40%119.52%131.96%53.46%473.32%491.31%-127.56%-75.05%176.42%198.66%
Efficiency
Assets Average 4,617.38M5,531.70M6,008.98M6,137.48M6,391.36M6,713.07M7,119.45M7,517.71M7,352.18M
Equity Average 384.74M591.11M795.84M845.63M859.60M752.56M625.79M720.41M840.26M
Invested Capital 1,430.09M1,839.03M836.69M1,059.80M945.53M964.72M669.27M652.22M855.82M891.50M
Asset Utilization Ratio 0.020.020.010.010.020.020.020.020.02
Leverage & Solvency
Interest Coverage Ratio 4.312.742.632.032.722.85-16.15-7.20-4.75-4.044.4023.8038.0115.2611.3020.23
Debt to Equity 3.553.430.691.530.020.460.01
Debt Ratio 0.300.280.090.210.000.050.00
Equity Ratio 0.080.080.130.140.140.130.090.080.110.12
Times Interest Earned 4.312.742.632.032.722.85-16.15-7.20-4.75-4.044.4023.8038.0115.2611.3020.23
Dividends & Payouts
FCF Payout Ratio 0.050.080.02-0.100.140.080.060.040.040.170.020.01-0.04-0.050.020.02
Valuation
Enterprise Value 62.22M98.74M58.86M93.28M226.74M218.05M290.23M-257.18M-534.55M982.98M1,112.76M241.78M1,362.31M569.54M832.15M1,490.12M1,564.24M
Market Capitalization 93.28M226.74M218.05M290.23M516.65M733.04M1,079.39M1,235.26M665.54M1,675.17M957.60M1,208.74M1,648.73M1,685.40M
Return Ratios
Return on Sales -0.08%0.09%0.05%0.17%0.15%0.16%0.15%0.47%0.47%0.53%1.16%1.25%1.35%1.46%0.96%1.47%1.49%
Return on Invested Capital -0.05%-0.09%0.14%0.16%0.19%0.24%0.27%0.22%
Return on Assets 0.01%0.01%0.02%0.02%0.02%0.02%0.02%0.02%0.03%
Return on Equity 0.12%0.09%0.13%0.13%0.17%0.20%0.23%0.26%0.22%