Pathward FinancialCASH -0.95%73 Cyclically Adjusted PS Ratio is 4.40 as of Jun. 30, 2026, which is 13% above its 10-year median of 3.89. GuruFocus rates CASH with a GF Score™ of 73/100 and a GF Value™ of $88.69 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,305 Banks companies, Pathward Financial ranks worse than 71.57% on this metric.
The historical rank and industry rank for Pathward Financial's Cyclically Adjusted PS Ratio or its related term are showing as below:
CASH'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.81 Med: 3.89 Max: 6.78
Current: 4.4
During the past years, Pathward Financial's highest Cyclically Adjusted PS Ratio was 6.78. The lowest was 1.81. And the median was 3.89.
CASH's Cyclically Adjusted PS Ratio is ranked worse than 71.57% of 1305
companies
in the Banks industry
Industry Median: 3.29
vs CASH: 4.40
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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Pathward Financial's adjusted revenue per share data for the three months ended in Mar. 2026 was $10.694. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $19.65 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Pathward Financial (NAS:CASH) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.
Pathward Financial Cyclically Adjusted PS Ratio Related Terms
Pathward Financial Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for Pathward Financial's Cyclically Adjusted PS Ratio 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.
Pathward Financial Cyclically Adjusted PS Ratio Chart
CASH vs TFIN, DCOM, CHCO: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Pathward Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Cyclically Adjusted PS Ratio falls into.
Pathward Financial Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.
Pathward Financial's Cyclically Adjusted PS Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PS Ratio of 4.40 mean?
Pathward Financial (CASH) has a Cyclically Adjusted PS Ratio of 4.40 as of Jun. 30, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Pathward Financial and its competitors. This is 13% above median its historical median of 3.89. Over the past decade, Pathward Financial's Cyclically Adjusted PS Ratio has ranged from 1.81 to 6.78. According to the industry distribution chart, Pathward Financial ranks #934 out of 1305 companies in the Banks industry, placing it in the top 71.6%.
Is Pathward Financial's Cyclically Adjusted PS Ratio too high?
Pathward Financial's current Cyclically Adjusted PS Ratio of 4.40 is 13% above median its 10-year median of 3.89. Over the past 10 years, this metric has ranged from a low of 1.81 to a high of 6.78. The Banks industry median Cyclically Adjusted PS Ratio is 3.29. Pathward Financial's value of 4.40 is 33.7% above this industry median. Based on the distribution chart, Pathward Financial ranks #934 out of 1305 companies in the Banks industry, which is below the industry midpoint. Overall, Pathward Financial has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pathward Financial's Cyclically Adjusted PS Ratio compare to TFIN and DCOM?
According to the Banks industry distribution chart, Pathward Financial ranks #934 out of 1305 companies for Cyclically Adjusted PS Ratio. This places Pathward Financial in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.29. Pathward Financial's value of 4.40 is 33.7% above this benchmark. Historically, Pathward Financial's own Cyclically Adjusted PS Ratio has ranged from 1.81 to 6.78 over the past decade. While the company's 10-year median is 3.89 vs. the industry median of 3.29, 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 Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.29, based on 1,305 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Cyclically Adjusted PS Ratio of 4.40 is 33.7% 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 Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Cyclically Adjusted PS Ratio is 4.40, which is 13% above median its own 10-year median of 3.89. 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 Fairly Valued. The stock's GF Value™ is $88.69, compared to a current price of $86.38 — trading 2.6% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 4.40, which is 13% above median its 10-year median of 3.89 and 33.7% above the Banks industry median of 3.29. Pathward Financial's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Pathward Financial (CASH), the current Cyclically Adjusted PS Ratio is 4.40 as of Jun. 30, 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 $86.38 is trading 2.6% below its estimated GF Value™ of $88.69.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
Cyclically Adjusted PS Ratio: 4.40 (13% above median its 10-year median of 3.89)
GF Value™: $88.69 vs. price of $86.38 (2.6% below fair value)
Industry Position: 33.7% above the Banks median (#934 of 1305)
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.
73GF Score
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