Pathward FinancialCASH +0.43%73 Pretax Margin % is 37.56% as of Mar. 2026, which is 44% above its 10-year median of 26.17. 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 worse than 55.64% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Pathward Financial Pretax Margin % Related Terms
Pathward Financial Pretax Margin % Historical Data
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The historical data trend for Pathward Financial's Pretax 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.
CASH vs CHCO, LOB, TFIN: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pathward Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Pretax 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 Pretax Margin % of 37.56% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pathward Financial and its competitors. This is 44% above median its historical median of 26.17. Over the past decade, Pathward Financial's Pretax Margin % has ranged from 20.86 to 34.77. According to the industry distribution chart, Pathward Financial ranks #849 out of 1526 companies in the Banks industry, placing it in the top 55.6%.
Is Pathward Financial's Pretax Margin % too high?
Pathward Financial's current Pretax Margin % of 37.56% is 44% above median its 10-year median of 26.17. Over the past 10 years, this metric has ranged from a low of 20.86 to a high of 34.77. The Banks industry median Pretax Margin % is 34.89. Pathward Financial's value of 37.56% is 7.7% above this industry median. Based on the distribution chart, Pathward Financial ranks #849 out of 1526 companies in the Banks industry, which is below 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 Pretax Margin % compare to CHCO and LOB?
According to the Banks industry distribution chart, Pathward Financial ranks #849 out of 1526 companies for Pretax Margin %. This places Pathward Financial in the lower half of its industry. The industry median Pretax Margin % is 34.89. Pathward Financial's value of 37.56% is 7.7% above this benchmark. Historically, Pathward Financial's own Pretax Margin % has ranged from 20.86 to 34.77 over the past decade. While the company's 10-year median is 26.17 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Pretax Margin % of 37.56% is 7.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Pretax Margin % is 37.56%, which is 44% above median its own 10-year median of 26.17. 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 $86.82 — trading 2.1% below its estimated fair value. The current Pretax Margin % is 37.56%, which is 44% above median its 10-year median of 26.17 and 7.7% above the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Pathward Financial (CASH), the current Pretax Margin % is 37.56% 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 $86.82 is trading 2.1% below its estimated GF Value™ of $88.69.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
Pretax Margin %: 37.56% (44% above median its 10-year median of 26.17)
GF Value™: $88.69 vs. price of $86.82 (2.1% below fair value)
Industry Position: 7.7% above the Banks median (#849 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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