Pathward FinancialCASH +0.21%73 FCF Margin % is 81.63% as of Mar. 2026, which is 115% above its 10-year median of 37.98. 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 1,504 Banks companies, Pathward Financial ranks better than 79.45% on this metric.
The historical rank and industry rank for Pathward Financial's FCF Margin % or its related term are showing as below:
CASH'
s FCF Margin % Range Over the Past 10 Years
Min: -28.7 Med: 37.98 Max: 101.84
Current: 67.26
During the past 13 years, the highest FCF Margin % of Pathward Financial was 101.84%. The lowest was -28.70%. And the median was 37.98%.
CASH's FCF Margin % is ranked better than 79.45% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs CASH: 67.26
Pathward Financial FCF Margin % Related Terms
Pathward Financial FCF Margin % Historical Data
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The historical data trend for Pathward Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pathward Financial's FCF Margin % 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 FCF Margin % of 81.63% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pathward Financial and its competitors. This is 115% above median its historical median of 37.98. According to the industry distribution chart, Pathward Financial ranks #309 out of 1504 companies in the Banks industry, placing it in the top 20.5%.
Is Pathward Financial's FCF Margin % too high?
Pathward Financial's current FCF Margin % of 81.63% is 115% above median its 10-year median of 37.98. The Banks industry median FCF Margin % is 26.50. Pathward Financial's value of 81.63% is 208% above this industry median. Based on the distribution chart, Pathward Financial ranks #309 out of 1504 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 FCF Margin % compare to CHCO and LOB?
According to the Banks industry distribution chart, Pathward Financial ranks #309 out of 1504 companies for FCF Margin %. This places Pathward Financial in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Pathward Financial's value of 81.63% is 208% above this benchmark. While the company's 10-year median is 37.98 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current FCF Margin % of 81.63% is 208% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pathward Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current FCF Margin % is 81.63%, which is 115% above median its own 10-year median of 37.98. 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 FCF Margin % is 81.63%, which is 115% above median its 10-year median of 37.98 and 208% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pathward Financial (CASH), the current FCF Margin % is 81.63% 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:
FCF Margin %: 81.63% (115% above median its 10-year median of 37.98)
GF Value™: $88.69 vs. price of $86.63 (2.3% below fair value)
Industry Position: 208% above the Banks median (#309 of 1504)
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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