Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pathward FinancialCASH -2.10%73 Intrinsic Value: Projected FCF is $165.99 as of Aug. 09, 2026, which is 30639% above its 10-year median of 0.54. GuruFocus rates CASH with a GF Scoreâ„¢ of 73/100 and a GF Valueâ„¢ of $84.51 (Fairly Valued). The stock has 1 warning sign investors should review. Among 965 Banks companies, Pathward Financial ranks better than 55.65% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-09), Pathward Financial's Intrinsic Value: Projected FCF is $165.99. The stock price of Pathward Financial is $86.85. Therefore, Pathward Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.
The historical rank and industry rank for Pathward Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
CASH'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.26 Med: 0.54 Max: 1.54
Current: 0.52
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Pathward Financial was 1.54. The lowest was 0.26. And the median was 0.54.
CASH's Price-to-Projected-FCF is ranked better than 55.65% of 965
companies
in the Banks industry
Industry Median: 0.57
vs CASH: 0.52
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Pathward Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
86.85
/
156.59512216501
=
0.55
* 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 Intrinsic Value: Projected FCF Related Terms
Pathward Financial Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Pathward Financial's Intrinsic Value: Projected 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.
CASH vs GABC, RBCAA, TFIN: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Pathward Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $165.99 mean?
Pathward Financial (CASH) has a Intrinsic Value: Projected FCF of $165.99 as of Aug. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Pathward Financial and its competitors. This is 30639% above median its historical median of 0.54. Over the past decade, Pathward Financial's Intrinsic Value: Projected FCF has ranged from 0.26 to 1.54. According to the industry distribution chart, Pathward Financial ranks #428 out of 965 companies in the Banks industry, placing it in the top 44.4%.
Is Pathward Financial's Intrinsic Value: Projected FCF too high?
Pathward Financial's current Intrinsic Value: Projected FCF of $165.99 is 30639% above median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.54. The Banks industry median Intrinsic Value: Projected FCF is 0.57. Pathward Financial's value of $165.99 is 29021.1% above this industry median. Based on the distribution chart, Pathward Financial ranks #428 out of 965 companies in the Banks industry, which is above the industry midpoint. Overall, Pathward Financial has a GF Scoreâ„¢ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pathward Financial's Intrinsic Value: Projected FCF compare to GABC and RBCAA?
According to the Banks industry distribution chart, Pathward Financial ranks #428 out of 965 companies for Intrinsic Value: Projected FCF. This puts Pathward Financial in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.57. Pathward Financial's value of $165.99 is 29021.1% above this benchmark. Historically, Pathward Financial's own Intrinsic Value: Projected FCF has ranged from 0.26 to 1.54 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.57, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.57, based on 965 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Intrinsic Value: Projected FCF of $165.99 is 29021.1% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Intrinsic Value: Projected FCF is $165.99, which is 30639% above median its own 10-year median of 0.54. 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 $84.51, compared to a current price of $86.85 — trading 2.8% above its estimated fair value. The current Intrinsic Value: Projected FCF is $165.99, which is 30639% above median its 10-year median of 0.54 and 29021.1% above the Banks industry median of 0.57. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Pathward Financial (CASH), the current Intrinsic Value: Projected FCF is $165.99 as of Aug. 09, 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 overvalued.
The current stock price of $86.85 is trading 2.8% above its estimated GF Value™ of $84.51.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
Intrinsic Value: Projected FCF: $165.99 (30639% above median its 10-year median of 0.54)
GF Value™: $84.51 vs. price of $86.85 (2.8% above fair value)
Industry Position: 29021.1% above the Banks median (#428 of 965)
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
Get the complete analysis for CASH
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CASH has been successfully added to your 
