Pathward FinancialFRA:FM7 72 EV-to-FCF is 4.00 as of Jul. 07, 2026, which is 40% below its 10-year median of 6.67. GuruFocus rates FRA:FM7 with a GF Score™ of 72/100 and a GF Value™ of €77.67. The stock has 5 warning signs investors should review. Among 1,195 Banks companies, Pathward Financial ranks better than 61.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pathward Financial's Enterprise Value is €1,581.9 Mil.
Pathward Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €395.4 Mil. Therefore, Pathward Financial's EV-to-FCF for today is 4.00.
The historical rank and industry rank for Pathward Financial's EV-to-FCF or its related term are showing as below:
FRA:FM7'
s EV-to-FCF Range Over the Past 10 Years
Min: -156.63 Med: 6.67 Max: 59.69
Current: 3.91
During the past 13 years, the highest EV-to-FCF of Pathward Financial was 59.69. The lowest was -156.63. And the median was 6.67.
FRA:FM7's EV-to-FCF is ranked better than 61.76% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs FRA:FM7: 3.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pathward Financial's PE Ratio (TTM) for today is calculated as:
Pathward Financial's share price for today is €77.50.
Pathward Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €7.248.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pathward Financial EV-to-FCF Related Terms
Pathward Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pathward Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, Pathward Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pathward Financial's EV-to-FCF falls into.
Pathward Financial's current Enterprise Value is €1,581.9 Mil.
Pathward Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €395.4 Mil.
* 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 (FRA:FM7) has a EV-to-FCF of 4.00 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pathward Financial and its competitors. This is 40% below median its historical median of 6.67. According to the industry distribution chart, Pathward Financial ranks #457 out of 1195 companies in the Banks industry, placing it in the top 38.2%.
Is Pathward Financial's EV-to-FCF too high?
Pathward Financial's current EV-to-FCF of 4.00 is 40% below median its 10-year median of 6.67. The Banks industry median EV-to-FCF is 6.57. Pathward Financial's value of 4.00 is 39.1% below this industry median. Based on the distribution chart, Pathward Financial ranks #457 out of 1195 companies in the Banks industry, which is above the industry midpoint. 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 EV-to-FCF compare to TFIN and DCOM?
According to the Banks industry distribution chart, Pathward Financial ranks #457 out of 1195 companies for EV-to-FCF. This puts Pathward Financial in the upper half of its industry. The industry median EV-to-FCF is 6.57. Pathward Financial's value of 4.00 is 39.1% below this benchmark. While the company's 10-year median is 6.67 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current EV-to-FCF of 4.00 is 39.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pathward Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current EV-to-FCF is 4.00, which is 40% below median its own 10-year median of 6.67. 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 EV-to-FCF of 4.00. The stock's GF Value™ is €77.67, compared to a current price of €77.50 — trading 0.2% below its estimated fair value. The current EV-to-FCF is 4.00, which is 40% below median its 10-year median of 6.67 and 39.1% below the Banks industry median of 6.57. Pathward Financial's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pathward Financial (FRA:FM7), the current EV-to-FCF is 4.00 as of Jul. 07, 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 €77.50 is trading 0.2% below its estimated GF Value™ of €77.67.
Key valuation signals for FRA:FM7:
EV-to-FCF: 4.00 (40% below median its 10-year median of 6.67)
GF Value™: €77.67 vs. price of €77.50 (0.2% below fair value)
Industry Position: 39.1% below the Banks median (#457 of 1195)
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 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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