CASH (Pathward Financial) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


CASH Pathward Financial Inc CASH
73 GF Score
Price $86.52
GF Value $88.69
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Pathward Financial Scaled Net Operating Assets?

Pathward Financial CASH +0.08% 73 Scaled Net Operating Assets is -0.02 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pathward Financial's operating assets for the quarter that ended in Mar. 2026 was $6,017.9 Mil. Pathward Financial's operating liabilities for the quarter that ended in Mar. 2026 was $6,202.2 Mil. Pathward Financial's Total Assets for the quarter that ended in Dec. 2025 was $7,560.2 Mil. Therefore, Pathward Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

CASH
73GF Score
Pathward Financial Inc CASH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pathward Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pathward Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Sep. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Sep. 2025 )
=(Operating Assets (A: Sep. 2025 )-Operating Liabilities (A: Sep. 2025 ))/Total Assets (A: Sep. 2024 )
=(7051.776-6272.434)/7532.017
=0.10

where

Operating Assets(A: Sep. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7172.344 - 120.568
=7051.776

Operating Liabilities(A: Sep. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6314.89 - 33.456 - 9
=6272.434

Pathward Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(6017.933-6202.215)/7560.205
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7112.399 - 1094.466
=6017.933

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6261.722 - 33.507 - 26
=6202.215

* 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 Scaled Net Operating Assets of -0.02 mean?
Pathward Financial (CASH) has a Scaled Net Operating Assets of -0.02 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pathward Financial and its competitors.
Is Pathward Financial's Scaled Net Operating Assets too high?
Pathward Financial's current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets compare to CHCO and LOB?
Pathward Financial's Scaled Net Operating Assets of -0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pathward Financial and its competitors. Pathward Financial's current Scaled Net Operating Assets is -0.02. 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 $86.52 — trading 2.4% below its estimated fair value. The current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Pathward Financial (CASH), the current Scaled Net Operating Assets is -0.02 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 $86.52 is trading 2.4% below its estimated GF Value™ of $88.69. GuruFocus considers Pathward Financial to be Fairly Valued.

Key valuation signals for CASH:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: $88.69 vs. price of $86.52 (2.4% below fair value)
  • GF Score™: 73/100 with 1 warning sign

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 Business Description

Other Exchanges FM7:Germany
Address 5501 South Broadband Lane, Sioux Falls, SD, USA, 57108
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$86.52
Price
$88.69
GF Value