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Definitive Analysis

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Pathward Financial, Inc. (CASH)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$82.23 - $130.37$104.18
Multi-Stage$100.16 - $109.91$104.94
Blended Fair Value$104.56
Current Price$74.01
Upside41.28%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS-7.97%2.98%0.200.220.230.250.270.300.330.240.210.19
YoY Growth---7.52%-6.62%-8.36%-7.48%-9.86%-8.51%35.29%18.54%10.25%25.65%
Dividend Yield--0.27%0.29%0.44%0.59%0.46%0.83%0.90%1.26%0.67%0.54%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)185.87
(-) Cash Dividends Paid (M)4.69
(=) Cash Retained (M)181.19
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)37.1723.2313.94
Cash Retained (M)181.19181.19181.19
(-) Cash Required (M)-37.17-23.23-13.94
(=) Excess Retained (M)144.01157.95167.25
(/) Shares Outstanding (M)23.5123.5123.51
(=) Excess Retained per Share6.136.727.11
LTM Dividend per Share0.200.200.20
(+) Excess Retained per Share6.136.727.11
(=) Adjusted Dividend6.336.927.31
WACC / Discount Rate9.23%9.23%9.23%
Growth Rate1.43%2.43%3.43%
Fair Value$82.23$104.18$130.37
Upside / Downside11.10%40.76%76.15%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)185.87190.38195.01199.74204.59209.56215.84
Payout Ratio2.52%20.02%37.51%55.01%72.50%90.00%92.50%
Projected Dividends (M)4.6938.1173.15109.87148.34188.60199.66

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.23%9.23%9.23%
Growth Rate1.43%2.43%3.43%
Year 1 PV (M)34.5534.8935.23
Year 2 PV (M)60.1261.3162.52
Year 3 PV (M)81.8684.3186.80
Year 4 PV (M)100.19104.20108.33
Year 5 PV (M)115.49121.30127.33
PV of Terminal Value (M)1,962.512,061.182,163.78
Equity Value (M)2,354.722,467.192,583.99
Shares Outstanding (M)23.5123.5123.51
Fair Value$100.16$104.94$109.91
Upside / Downside35.33%41.80%48.51%

High-Yield Dividend Screener

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