Pathward FinancialCASH +1.44%73 Debt-to-Equity is 0.07 as of Mar. 2026, which is 46% below its 10-year median of 0.13. GuruFocus rates CASH with a GF Score™ of 73/100 and a GF Value™ of $90.20 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,424 Banks companies, Pathward Financial ranks better than 91.99% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Pathward Financial's Debt-to-Equity or its related term are showing as below:
CASH'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.13 Max: 3.54
Current: 0.07
During the past 13 years, the highest Debt-to-Equity Ratio of Pathward Financial was 3.54. The lowest was 0.02. And the median was 0.13.
CASH's Debt-to-Equity is ranked better than 91.99% of 1424
companies
in the Banks industry
Industry Median: 0.56
vs CASH: 0.07
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Pathward Financial Debt-to-Equity Related Terms
Pathward Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Pathward Financial's Debt-to-Equity 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 TFIN, DCOM, CHCO: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Pathward Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Debt-to-Equity 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.
Pathward Financial (CASH) has a Debt-to-Equity of 0.07 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pathward Financial and its competitors. This is 46% below median its historical median of 0.13. Over the past decade, Pathward Financial's Debt-to-Equity has ranged from 0.02 to 3.54. According to the industry distribution chart, Pathward Financial ranks #114 out of 1424 companies in the Banks industry, placing it in the top 8%.
Is Pathward Financial's Debt-to-Equity too high?
Pathward Financial's current Debt-to-Equity of 0.07 is 46% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 3.54. The Banks industry median Debt-to-Equity is 0.56. Pathward Financial's value of 0.07 is 87.5% below this industry median. Based on the distribution chart, Pathward Financial ranks #114 out of 1424 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to TFIN and DCOM?
According to the Banks industry distribution chart, Pathward Financial ranks #114 out of 1424 companies for Debt-to-Equity. This places Pathward Financial in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Pathward Financial's value of 0.07 is 87.5% below this benchmark. Historically, Pathward Financial's own Debt-to-Equity has ranged from 0.02 to 3.54 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.56, Pathward Financial has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,424 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Debt-to-Equity of 0.07 is 87.5% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Debt-to-Equity is 0.07, which is 46% below median its own 10-year median of 0.13. 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 $90.20, compared to a current price of $90.00 — trading 0.2% below its estimated fair value. The current Debt-to-Equity is 0.07, which is 46% below median its 10-year median of 0.13 and 87.5% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Pathward Financial (CASH), the current Debt-to-Equity is 0.07 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 (CASH) Overvalued in 2026?
Based on GuruFocus' analysis, Pathward Financial stock appears to be undervalued.
The current stock price of $90.00 is trading 0.2% below its estimated GF Value™ of $90.20.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
Debt-to-Equity: 0.07 (46% below median its 10-year median of 0.13)
GF Value™: $90.20 vs. price of $90.00 (0.2% below fair value)
Industry Position: 87.5% below the Banks median (#114 of 1424)
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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