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Pathward FinancialCASH -0.30%72 Capex-to-Operating-Cash-Flow is 0.62 as of Jun. 2026, which is 88% above its 10-year median of 0.33. GuruFocus rates CASH with a GF Score™ of 72/100 and a GF Value™ of $84.95 (Modestly Undervalued). Among 830 Banks companies, Pathward Financial ranks worse than 88.31% on this metric.
Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.
Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.
Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.
Pathward Financial Capex-to-Operating-Cash-Flow Related Terms
Pathward Financial Capex-to-Operating-Cash-Flow Historical Data
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The historical data trend for Pathward Financial's Capex-to-Operating-Cash-Flow 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.
CASH vs BFC, TFIN, TCBK: Capex-to-Operating-Cash-Flow Comparison
For the Banks - Regional subindustry, Pathward Financial's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow 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 Capex-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Capex-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Capex-to-Operating-Cash-Flow falls into.
* 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.
What does a Capex-to-Operating-Cash-Flow of 0.62 mean?
Pathward Financial (CASH) has a Capex-to-Operating-Cash-Flow of 0.62 as of Jun. 2026. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Pathward Financial and its competitors. This is 88% above median its historical median of 0.33. Over the past decade, Pathward Financial's Capex-to-Operating-Cash-Flow has ranged from 0.06 to 1.51. According to the industry distribution chart, Pathward Financial ranks #733 out of 830 companies in the Banks industry, placing it in the top 88.3%.
Is Pathward Financial's Capex-to-Operating-Cash-Flow too high?
Pathward Financial's current Capex-to-Operating-Cash-Flow of 0.62 is 88% above median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 1.51. The Banks industry median Capex-to-Operating-Cash-Flow is 0.06. Pathward Financial's value of 0.62 is 933.3% above this industry median. Based on the distribution chart, Pathward Financial ranks #733 out of 830 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pathward Financial has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pathward Financial's Capex-to-Operating-Cash-Flow compare to BFC and TFIN?
According to the Banks industry distribution chart, Pathward Financial ranks #733 out of 830 companies for Capex-to-Operating-Cash-Flow. This places Pathward Financial in the lower half of its industry. The industry median Capex-to-Operating-Cash-Flow is 0.06. Pathward Financial's value of 0.62 is 933.3% above this benchmark. Historically, Pathward Financial's own Capex-to-Operating-Cash-Flow has ranged from 0.06 to 1.51 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.06, Pathward Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capex-to-Operating-Cash-Flow for a Banks company?
The median Capex-to-Operating-Cash-Flow among Banks companies is 0.06, based on 830 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Capex-to-Operating-Cash-Flow of 0.62 is 933.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Capex-to-Operating-Cash-Flow is 0.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Capex-to-Operating-Cash-Flow is 0.62, which is 88% above median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pathward Financial stock overvalued right now?
Based on GuruFocus' analysis, Pathward Financial (CASH) is currently considered Modestly Undervalued. The stock's GF Value™ is $84.95, compared to a current price of $75.90 — trading 10.7% below its estimated fair value. The current Capex-to-Operating-Cash-Flow is 0.62, which is 88% above median its 10-year median of 0.33 and 933.3% above the Banks industry median of 0.06. Pathward Financial's overall GF Score™ is 72/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For Pathward Financial (CASH), the current Capex-to-Operating-Cash-Flow is 0.62 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pathward Financial (CASH) Overvalued in 2026?
Based on GuruFocus' analysis, Pathward Financial stock appears to be undervalued.
The current stock price of $75.90 is trading 10.7% below its estimated GF Value™ of $84.95.
GuruFocus considers Pathward Financial to be Modestly Undervalued.
Key valuation signals for CASH:
Capex-to-Operating-Cash-Flow: 0.62 (88% above median its 10-year median of 0.33)
GF Value™: $84.95 vs. price of $75.90 (10.7% below fair value)
Industry Position: 933.3% above the Banks median (#733 of 830)
No single metric tells the full story. See the CASH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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: The Consumer segment includes the Partner Solutions business line, which collaborates with partners to navigate payment and lending needs; Commercial: The Commercial segment includes the Company's Commercial Finance business line, which helps businesses access funds needed to launch, operate, and grow; and Corporate Services. The majority of the revenue is generated from Consumer segment.
72GF Score
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Capex-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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