Pathward FinancialCASH +0.39%73 Return-on-Tangible-Equity is 53.63% as of Mar. 2026, which is 112% above its 10-year median of 25.33. 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 1,522 Banks companies, Pathward Financial ranks better than 97.57% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pathward Financial's annualized net income for the quarter that ended in Mar. 2026 was $291.6 Mil. Pathward Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $543.8 Mil. Therefore, Pathward Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 53.63%.
The historical rank and industry rank for Pathward Financial's Return-on-Tangible-Equity or its related term are showing as below:
CASH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 14.14 Med: 25.33 Max: 47.83
Current: 35.72
During the past 13 years, Pathward Financial's highest Return-on-Tangible-Equity was 47.83%. The lowest was 14.14%. And the median was 25.33%.
CASH's Return-on-Tangible-Equity is ranked better than 97.57% of 1522
companies
in the Banks industry
Industry Median: 11.205
vs CASH: 35.72
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pathward Financial Return-on-Tangible-Equity Related Terms
Pathward Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pathward Financial's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Pathward Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pathward Financial's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 53.63% mean?
Pathward Financial (CASH) has a Return-on-Tangible-Equity of 53.63% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pathward Financial and its competitors. This is 112% above median its historical median of 25.33. Over the past decade, Pathward Financial's Return-on-Tangible-Equity has ranged from 14.14 to 47.83. According to the industry distribution chart, Pathward Financial ranks #37 out of 1522 companies in the Banks industry, placing it in the top 2.4%.
Is Pathward Financial's Return-on-Tangible-Equity too high?
Pathward Financial's current Return-on-Tangible-Equity of 53.63% is 112% above median its 10-year median of 25.33. Over the past 10 years, this metric has ranged from a low of 14.14 to a high of 47.83. The Banks industry median Return-on-Tangible-Equity is 11.21. Pathward Financial's value of 53.63% is 378.6% above this industry median. Based on the distribution chart, Pathward Financial ranks #37 out of 1522 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-Equity compare to CHCO and LOB?
According to the Banks industry distribution chart, Pathward Financial ranks #37 out of 1522 companies for Return-on-Tangible-Equity. This places Pathward Financial in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Pathward Financial's value of 53.63% is 378.6% above this benchmark. Historically, Pathward Financial's own Return-on-Tangible-Equity has ranged from 14.14 to 47.83 over the past decade. While the company's 10-year median is 25.33 vs. the industry median of 11.21, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current Return-on-Tangible-Equity of 53.63% is 378.6% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pathward Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current Return-on-Tangible-Equity is 53.63%, which is 112% above median its own 10-year median of 25.33. 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 $87.25 — trading 1.6% below its estimated fair value. The current Return-on-Tangible-Equity is 53.63%, which is 112% above median its 10-year median of 25.33 and 378.6% above the Banks industry median of 11.21. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pathward Financial (CASH), the current Return-on-Tangible-Equity is 53.63% 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 $87.25 is trading 1.6% below its estimated GF Value™ of $88.69.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
Return-on-Tangible-Equity: 53.63% (112% above median its 10-year median of 25.33)
GF Value™: $88.69 vs. price of $87.25 (1.6% below fair value)
Industry Position: 378.6% above the Banks median (#37 of 1522)
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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