CASH (Pathward Financial) E10: $5.08 (As of Mar. 2026)


CASH Pathward Financial Inc CASH
73 GF Score
Price $86.63
GF Value $88.69
Valuation Fairly Valued
! 1 Warning Sign
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What is Pathward Financial E10?

Pathward Financial CASH +0.21% 73 E10 is $5.08 as of Mar. 2026. 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Pathward Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $3.350. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $5.08 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Pathward Financial's average E10 Growth Rate was 19.50% per year. During the past 3 years, the average E10 Growth Rate was 22.10% per year. During the past 5 years, the average E10 Growth Rate was 23.90% per year. During the past 10 years, the average E10 Growth Rate was 21.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Pathward Financial was 27.70% per year. The lowest was -13.00% per year. And the median was 16.30% per year.

As of today (2026-06-25), Pathward Financial's current stock price is $86.63. Pathward Financial's E10 for the quarter that ended in Mar. 2026 was $5.08. Pathward Financial's Shiller PE Ratio of today is 17.05.

During the past 13 years, the highest Shiller PE Ratio of Pathward Financial was 45.29. The lowest was 9.82. And the median was 20.26.


Pathward Financial  (NAS:CASH) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Pathward Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=86.63/5.08
=17.05

* 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 Shiller P/E Ratio of Pathward Financial was 45.29. The lowest was 9.82. And the median was 20.26.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Pathward Financial E10 Related Terms


Pathward Financial E10 Historical Data

* Premium members only.

The historical data trend for Pathward Financial's E10 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 E10 Chart

Pathward Financial Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.04 2.53 3.13 3.82 4.61

Pathward Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 4.25 4.44 4.61 4.74 5.08

CASH vs CHCO, LOB, TFIN: E10 Comparison

For the Banks - Regional subindustry, Pathward Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pathward Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Pathward Financial's Shiller PE Ratio falls into.


CASH
73GF Score
Pathward Financial Inc CASH
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Pathward Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.35/330.2130*330.2130
=3.350

Current CPI (Mar. 2026) = 330.2130.

Pathward Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.347 241.018 0.475
201609 0.233 241.428 0.319
201612 0.047 241.432 0.064
201703 1.140 243.801 1.544
201706 0.347 244.955 0.468
201709 0.063 246.819 0.084
201712 0.160 246.524 0.214
201803 1.080 249.554 1.429
201806 0.230 251.989 0.301
201809 0.240 252.439 0.314
201812 0.390 251.233 0.513
201903 0.810 254.202 1.052
201906 0.750 256.143 0.967
201909 0.530 256.759 0.682
201912 0.560 256.974 0.720
202003 1.450 258.115 1.855
202006 0.530 257.797 0.679
202009 0.380 260.280 0.482
202012 0.840 260.474 1.065
202103 1.840 264.877 2.294
202106 1.210 271.696 1.471
202109 0.500 274.310 0.602
202112 2.000 278.802 2.369
202203 1.660 287.504 1.907
202206 0.760 296.311 0.847
202209 0.810 296.808 0.901
202212 0.980 296.797 1.090
202303 1.990 301.836 2.177
202306 1.680 305.109 1.818
202309 1.360 307.789 1.459
202312 1.340 306.746 1.443
202403 2.740 312.332 2.897
202406 1.780 314.175 1.871
202409 1.350 315.301 1.414
202412 1.230 315.605 1.287
202503 3.140 319.799 3.242
202506 1.810 322.561 1.853
202509 1.690 324.800 1.718
202512 1.570 324.054 1.600
202603 3.350 330.213 3.350

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $5.08 mean?
Pathward Financial (CASH) has a E10 of $5.08 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Pathward Financial and its competitors.
Is Pathward Financial's E10 too high?
Pathward Financial's current E10 is $5.08. 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 E10 compare to CHCO and LOB?
Pathward Financial's E10 of $5.08 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Pathward Financial and its competitors. Pathward Financial's current E10 is $5.08. 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 $86.63 — trading 2.3% below its estimated fair value. The current E10 is $5.08. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Pathward Financial (CASH), the current E10 is $5.08 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 $86.63 is trading 2.3% below its estimated GF Value™ of $88.69. GuruFocus considers Pathward Financial to be Fairly Valued.

Key valuation signals for CASH:

  • E10: $5.08
  • GF Value™: $88.69 vs. price of $86.63 (2.3% below fair value)
  • GF Score™: 73/100 with 1 warning sign

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 Business Description

Other Exchanges FM7:Germany
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.
73GF Score

Get the complete analysis for CASH

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$86.63
Price
$88.69
GF Value