Pathward FinancialCASH +0.79%73 Return-on-Tangible-Asset is 4.15% as of Mar. 2026, which is 112% above its 10-year median of 1.96. 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 1,532 Banks companies, Pathward Financial ranks better than 93.67% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Pathward Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $291.6 Mil. Pathward Financial's average total tangible assets for the quarter that ended in Mar. 2026 was $7,027.1 Mil. Therefore, Pathward Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 4.15%.
The historical rank and industry rank for Pathward Financial's Return-on-Tangible-Asset or its related term are showing as below:
CASH'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.98 Med: 1.96 Max: 2.74
Current: 2.74
During the past 13 years, Pathward Financial's highest Return-on-Tangible-Asset was 2.74%. The lowest was 0.98%. And the median was 1.96%.
CASH's Return-on-Tangible-Asset is ranked better than 93.67% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs CASH: 2.74
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Pathward Financial Return-on-Tangible-Asset Related Terms
Pathward Financial Return-on-Tangible-Asset Historical Data
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The historical data trend for Pathward Financial's Return-on-Tangible-Asset 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 TFIN, DCOM, CHCO: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Pathward Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.15% mean?
Pathward Financial (CASH) has a Return-on-Tangible-Asset of 4.15% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Pathward Financial and its competitors. This is 112% above median its historical median of 1.96. Over the past decade, Pathward Financial's Return-on-Tangible-Asset has ranged from 0.98 to 2.74. According to the industry distribution chart, Pathward Financial ranks #97 out of 1532 companies in the Banks industry, placing it in the top 6.3%.
Is Pathward Financial's Return-on-Tangible-Asset too high?
Pathward Financial's current Return-on-Tangible-Asset of 4.15% is 112% above median its 10-year median of 1.96. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 2.74. The Banks industry median Return-on-Tangible-Asset is 0.99. Pathward Financial's value of 4.15% is 319.2% above this industry median. Based on the distribution chart, Pathward Financial ranks #97 out of 1532 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 Return-on-Tangible-Asset compare to TFIN and DCOM?
According to the Banks industry distribution chart, Pathward Financial ranks #97 out of 1532 companies for Return-on-Tangible-Asset. This places Pathward Financial in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Pathward Financial's value of 4.15% is 319.2% above this benchmark. Historically, Pathward Financial's own Return-on-Tangible-Asset has ranged from 0.98 to 2.74 over the past decade. While the company's 10-year median is 1.96 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Return-on-Tangible-Asset of 4.15% is 319.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Return-on-Tangible-Asset is 4.15%, which is 112% above median its own 10-year median of 1.96. 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 $87.08 — trading 1.8% below its estimated fair value. The current Return-on-Tangible-Asset is 4.15%, which is 112% above median its 10-year median of 1.96 and 319.2% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Pathward Financial (CASH), the current Return-on-Tangible-Asset is 4.15% 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 $87.08 is trading 1.8% below its estimated GF Value™ of $88.69.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
Return-on-Tangible-Asset: 4.15% (112% above median its 10-year median of 1.96)
GF Value™: $88.69 vs. price of $87.08 (1.8% below fair value)
Industry Position: 319.2% above the Banks median (#97 of 1532)
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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