Pathward FinancialCASH +0.21%73 Net Margin % is 31.39% as of Mar. 2026, which is 32% above its 10-year median of 23.74. 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 1,526 Banks companies, Pathward Financial ranks better than 52.95% on this metric.
The historical rank and industry rank for Pathward Financial's Net Margin % or its related term are showing as below:
CASH'
s Net Margin % Range Over the Past 10 Years
Min: 18.76 Med: 23.74 Max: 29.15
Current: 27.58
CASH's Net Margin % is ranked better than 52.95% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CASH: 27.58
Pathward Financial (NAS:CASH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pathward Financial Net Margin % Related Terms
Pathward Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Pathward Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Net 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 Net Margin % of 31.39% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pathward Financial and its competitors. This is 32% above median its historical median of 23.74. Over the past decade, Pathward Financial's Net Margin % has ranged from 18.76 to 29.15. According to the industry distribution chart, Pathward Financial ranks #718 out of 1526 companies in the Banks industry, placing it in the top 47.1%.
Is Pathward Financial's Net Margin % too high?
Pathward Financial's current Net Margin % of 31.39% is 32% above median its 10-year median of 23.74. Over the past 10 years, this metric has ranged from a low of 18.76 to a high of 29.15. The Banks industry median Net Margin % is 26.97. Pathward Financial's value of 31.39% is 16.4% above this industry median. Based on the distribution chart, Pathward Financial ranks #718 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to CHCO and LOB?
According to the Banks industry distribution chart, Pathward Financial ranks #718 out of 1526 companies for Net Margin %. This puts Pathward Financial in the upper half of its industry. The industry median Net Margin % is 26.97. Pathward Financial's value of 31.39% is 16.4% above this benchmark. Historically, Pathward Financial's own Net Margin % has ranged from 18.76 to 29.15 over the past decade. While the company's 10-year median is 23.74 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Net Margin % of 31.39% is 16.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Net Margin % is 31.39%, which is 32% above median its own 10-year median of 23.74. 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 Net Margin % is 31.39%, which is 32% above median its 10-year median of 23.74 and 16.4% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pathward Financial (CASH), the current Net Margin % is 31.39% 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:
Net Margin %: 31.39% (32% above median its 10-year median of 23.74)
GF Value™: $88.69 vs. price of $86.63 (2.3% below fair value)
Industry Position: 16.4% above the Banks median (#718 of 1526)
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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