Pathward Financial (FRA:FM7) Cyclically Adjusted Revenue per Share: €16.85 (As of Mar. 2026)

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FRA:FM7 Pathward Financial Inc FRA:FM7
72 GF Score
Price €77.00
GF Value €79.87
! 1 Warning Sign
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What is Pathward Financial Cyclically Adjusted Revenue per Share?

Pathward Financial FRA:FM7 -1.28% 72 Cyclically Adjusted Revenue per Share is €16.85 as of Mar. 2026. GuruFocus rates FRA:FM7 with a GF Score™ of 72/100 and a GF Value™ of €79.87. The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and 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 for the three months ended in Mar. 2026 was €9.250. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €16.85 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Pathward Financial's average Cyclically Adjusted Revenue Growth Rate was 17.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 18.10% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 17.10% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 7.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Pathward Financial was 26.20% per year. The lowest was -1.70% per year. And the median was 9.20% per year.

As of today (2026-07-23), Pathward Financial's current stock price is €77.00. Pathward Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €16.85. Pathward Financial's Cyclically Adjusted PS Ratio of today is 4.57.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Pathward Financial was 6.78. The lowest was 1.81. And the median was 3.92.


Pathward Financial  (FRA:FM7) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

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 Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=77.00/16.85
=4.57

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Pathward Financial was 6.78. The lowest was 1.81. And the median was 3.92.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Pathward Financial Cyclically Adjusted Revenue per Share Related Terms


Pathward Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Pathward Financial's Cyclically Adjusted Revenue per Share 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 Revenue per Share Chart

Pathward Financial Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.14 11.11 12.22 13.50 15.49

Pathward Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share 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 15.08 15.49 16.01 16.85 0.00

FRA:FM7 vs TFIN, DCOM, CHCO: Cyclically Adjusted Revenue per Share 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.


FRA:FM7
72GF Score
Pathward Financial Inc FRA:FM7
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pathward Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and 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.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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.

For example, Pathward Financial's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=9.25/330.2130*330.2130
=9.250

Current CPI (Mar. 2026) = 330.2130.

Pathward Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.307 241.018 1.791
201609 1.165 241.428 1.593
201612 1.177 241.432 1.610
201703 3.176 243.801 4.302
201706 1.523 244.955 2.053
201709 1.444 246.819 1.932
201712 1.408 246.524 1.886
201803 2.954 249.554 3.909
201806 1.550 251.989 2.031
201809 1.610 252.439 2.106
201812 2.018 251.233 2.652
201903 3.585 254.202 4.657
201906 2.394 256.143 3.086
201909 2.574 256.759 3.310
201912 2.338 256.974 3.004
202003 3.944 258.115 5.046
202006 2.526 257.797 3.236
202009 2.480 260.280 3.146
202012 2.630 260.474 3.334
202103 4.575 264.877 5.703
202106 3.223 271.696 3.917
202109 2.984 274.310 3.592
202112 2.945 278.802 3.488
202203 5.526 287.504 6.347
202206 3.778 296.311 4.210
202209 4.407 296.808 4.903
202212 3.933 296.797 4.376
202303 6.602 301.836 7.223
202306 4.777 305.109 5.170
202309 5.576 307.789 5.982
202312 4.865 306.746 5.237
202403 7.750 312.332 8.194
202406 5.657 314.175 5.946
202409 5.303 315.301 5.554
202412 5.222 315.605 5.464
202503 8.955 319.799 9.247
202506 5.875 322.561 6.014
202509 5.736 324.800 5.832
202512 5.438 324.054 5.541
202603 9.250 330.213 9.250

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €16.85 mean?
Pathward Financial (FRA:FM7) has a Cyclically Adjusted Revenue per Share of €16.85 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Pathward Financial and its competitors.
Is Pathward Financial's Cyclically Adjusted Revenue per Share too high?
Pathward Financial's current Cyclically Adjusted Revenue per Share is €16.85. Overall, Pathward Financial has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Pathward Financial's Cyclically Adjusted Revenue per Share compare to TFIN and DCOM?
Pathward Financial's Cyclically Adjusted Revenue per Share of €16.85 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Pathward Financial and its competitors. Pathward Financial's current Cyclically Adjusted Revenue per Share is €16.85. 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?
Pathward Financial (FRA:FM7) has a current Cyclically Adjusted Revenue per Share of €16.85. The stock's GF Value™ is €79.87, compared to a current price of €77.00 — trading 3.6% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is €16.85. Pathward Financial's overall GF Score™ is 72/100 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 Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Pathward Financial (FRA:FM7), the current Cyclically Adjusted Revenue per Share is €16.85 as of Mar. 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 (FRA:FM7) Overvalued in 2026?

Based on GuruFocus' analysis, Pathward Financial stock appears to be undervalued. The current stock price of €77.00 is trading 3.6% below its estimated GF Value™ of €79.87.

Key valuation signals for FRA:FM7:

  • Cyclically Adjusted Revenue per Share: €16.85
  • GF Value™: €79.87 vs. price of €77.00 (3.6% below fair value)
  • GF Score™: 72/100 with 1 warning sign

No single metric tells the full story. See the FRA:FM7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Pathward Financial Business Description

Other Exchanges CASH:USA
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: 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

Get the complete analysis for FRA:FM7

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€77.00
Price
€79.87
GF Value