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Pathward Financial (Pathward Financial) Cyclically Adjusted Price-to-FCF : 16.24 (As of Apr. 27, 2024)


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What is Pathward Financial Cyclically Adjusted Price-to-FCF?

As of today (2024-04-27), Pathward Financial's current share price is $52.14. Pathward Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $3.21. Pathward Financial's Cyclically Adjusted Price-to-FCF for today is 16.24.

The historical rank and industry rank for Pathward Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

CASH' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 5.35   Med: 12.01   Max: 30.52
Current: 16.26

During the past years, Pathward Financial's highest Cyclically Adjusted Price-to-FCF was 30.52. The lowest was 5.35. And the median was 12.01.

CASH's Cyclically Adjusted Price-to-FCF is ranked worse than
84.98% of 832 companies
in the Banks industry
Industry Median: 7.405 vs CASH: 16.26

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Pathward Financial's adjusted free cash flow per share data for the three months ended in Dec. 2023 was $-3.321. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $3.21 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Pathward Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Pathward Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Pathward Financial Cyclically Adjusted Price-to-FCF Chart

Pathward Financial Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.35 5.99 10.95 8.79 12.90

Pathward Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.40 13.61 12.90 16.51 -

Competitive Comparison of Pathward Financial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Pathward Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pathward Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pathward Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Pathward Financial's Cyclically Adjusted Price-to-FCF falls into.



Pathward Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Pathward Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=52.14/3.21
=16.24

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pathward Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, Pathward Financial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=-3.321/129.4194*129.4194
=-3.321

Current CPI (Dec. 2023) = 129.4194.

Pathward Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.231 99.695 0.300
201406 0.959 100.560 1.234
201409 -0.093 100.428 -0.120
201412 0.531 99.070 0.694
201503 1.354 99.621 1.759
201506 0.120 100.684 0.154
201509 0.224 100.392 0.289
201512 -0.236 99.792 -0.306
201603 1.727 100.470 2.225
201606 0.237 101.688 0.302
201609 -1.999 101.861 -2.540
201612 -0.309 101.863 -0.393
201703 2.647 102.862 3.330
201706 0.381 103.349 0.477
201709 1.281 104.136 1.592
201712 0.262 104.011 0.326
201803 3.181 105.290 3.910
201806 0.227 106.317 0.276
201809 0.147 106.507 0.179
201812 -0.007 105.998 -0.009
201903 1.535 107.251 1.852
201906 -0.265 108.070 -0.317
201909 -0.512 108.329 -0.612
201912 3.150 108.420 3.760
202003 3.475 108.902 4.130
202006 -0.373 108.767 -0.444
202009 5.223 109.815 6.155
202012 4.769 109.897 5.616
202103 6.313 111.754 7.311
202106 1.490 114.631 1.682
202109 3.688 115.734 4.124
202112 1.642 117.630 1.807
202203 1.380 121.301 1.472
202206 -2.806 125.017 -2.905
202209 -6.267 125.227 -6.477
202212 -4.414 125.222 -4.562
202303 2.400 127.348 2.439
202306 -4.950 128.729 -4.977
202309 1.650 129.860 1.644
202312 -3.321 129.419 -3.321

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Pathward Financial  (NAS:CASH) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Pathward Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Pathward Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Pathward Financial (Pathward Financial) Business Description

Industry
Traded in Other Exchanges
Address
5501 South Broadband Lane, Sioux Falls, SD, USA, 57108
Pathward Financial Inc is a unitary savings and loan holding company. It's a wholly-owned full-service banking subsidiary of Meta Financial, is both a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves, and a payments company providing services on a nationwide basis. It operates through three reportable segments: Consumer, Commercial and Corporate Services/Other. The majority of the revenue is generated from Consumer segment.
Executives
Glen William Herrick officer: EVP, CFO & Secretary C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Greg Sigrist officer: EVP, CFO-Designee 1301 A STREET, TACOMA WA 98402
Christopher Perretta director C/O STATE STREET CORPORATION, ONE LINCOLN STREET, BOSTON MA 02111
Sonja Anne Theisen officer: Chief Accounting Officer C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Elizabeth G. Hoople director C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Charles C. Ingram officer: EVP, Chief Information Officer C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57018
Frederick V Moore director 1700 SHOREWAY ROAD, STORM LAKE IA 50588
Douglas J. Hajek director C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Brett L. Pharr officer: EVP & Group Head of Governance C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Michael Robert Kramer director C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Anthony M. Sharett officer: EVP, Gen. Counsel & Corp. Sec. C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Nadia Dombrowski officer: Chief Legal Officer C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS VA 57108
Kia S. Tang officer: EVP, Chief Ppl and Incl Ofcr C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Lizabeth H Zlatkus director ONE HARTFORD PLAZA, HARTFORD CT 06155
Ronald D Mccray director