DDM Analysis: CASH

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
Upside	41.28%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	-7.97%	2.98%	0.20	0.22	0.23	0.25	0.27	0.30	0.33	0.24	0.21	0.19
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	37.17	23.23	13.94
Cash Retained (M)	181.19	181.19	181.19
(-) Cash Required (M)	-37.17	-23.23	-13.94
(=) Excess Retained (M)	144.01	157.95	167.25
(/) Shares Outstanding (M)	23.51	23.51	23.51
(=) Excess Retained per Share	6.13	6.72	7.11
LTM Dividend per Share	0.20	0.20	0.20
(+) Excess Retained per Share	6.13	6.72	7.11
(=) Adjusted Dividend	6.33	6.92	7.31
WACC / Discount Rate	9.23%	9.23%	9.23%
Growth Rate	1.43%	2.43%	3.43%
Fair Value	$82.23	$104.18	$130.37
Upside / Downside	11.10%	40.76%	76.15%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	185.87	190.38	195.01	199.74	204.59	209.56	215.84
Payout Ratio	2.52%	20.02%	37.51%	55.01%	72.50%	90.00%	92.50%
Projected Dividends (M)	4.69	38.11	73.15	109.87	148.34	188.60	199.66

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.23%	9.23%	9.23%
Growth Rate	1.43%	2.43%	3.43%
Year 1 PV (M)	34.55	34.89	35.23
Year 2 PV (M)	60.12	61.31	62.52
Year 3 PV (M)	81.86	84.31	86.80
Year 4 PV (M)	100.19	104.20	108.33
Year 5 PV (M)	115.49	121.29	127.33
PV of Terminal Value (M)	1,962.46	2,061.13	2,163.73
Equity Value (M)	2,354.67	2,467.14	2,583.94
Shares Outstanding (M)	23.51	23.51	23.51
Fair Value	$100.16	$104.94	$109.91
Upside / Downside	35.33%	41.79%	48.51%

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0383.HK	Tian An Medicare Limited	2.91%	$0.03	60.45%
105560.KS	KB Financial Group Inc.	2.91%	$3,590.29	22.69%
3899.HK	CIMC Enric Holdings Limited	2.91%	$0.28	25.59%
BIMAS.IS	BIM Birlesik Magazalar A.S.	2.91%	$15.78	64.92%
000951.SZ	Sinotruk Jinan Truck Co., Ltd.	2.90%	$0.49	35.94%
002541.SZ	Anhui Honglu Steel Construction(Group) Co. Ltd.	2.90%	$0.48	53.40%
060720.KQ	KHVATEC Co.,Ltd.	2.90%	$330.78	46.02%
0950.HK	Lee's Pharmaceutical Holdings Limited	2.90%	$0.05	27.09%
0QLK.L	Hypothekarbank Lenzburg AG	2.90%	$115.25	19.90%
0RMP.L	Banque Cantonale de Genève S.A.	2.90%	$0.71	11.87%
600167.SS	Luenmei Quantum Co.,Ltd	2.90%	$0.20	65.26%
IBAB.BR	Ion Beam Applications S.A.	2.90%	$0.38	44.34%
METCO.BK	Muramoto Electron (Thailand) Public Company Limited	2.90%	$8.00	15.20%
002852.SZ	Daodaoquan Grain and Oil Co.,Ltd.	2.89%	$0.30	37.22%
005680.KS	Samyoung Electronics Co., Ltd	2.89%	$300.77	49.07%
600526.SS	Zhejiang Feida Environmental Science & Technology Co., Ltd.	2.89%	$0.15	48.23%
601377.SS	Industrial Securities Co.,Ltd.	2.89%	$0.21	55.11%
688697.SS	Neway CNC Equipment (Suzhou) Co., Ltd.	2.89%	$0.44	66.80%
7738.TWO	Eui	2.89%	$5.50	39.18%
AMXB.MX	América Móvil, S.A.B. de C.V.	2.89%	$0.54	43.68%
OMASP.HE	Oma Säästöpankki Oyj	2.89%	$0.36	25.24%
001200.KS	Eugene Investment & Securities Co.,Ltd.	2.88%	$99.92	14.37%
002310.KS	Asia Paper Manufacturing.Co.,Ltd	2.88%	$224.24	42.56%
3357.TWO	TAI-TECH Advanced Electronics Co., Ltd.	2.88%	$4.61	48.95%
600496.SS	Changjiang & Jinggong Steel Building (Group) Co., Ltd	2.88%	$0.12	42.56%
603043.SS	Guangzhou Restaurant Group Company Limited	2.88%	$0.51	57.82%
PAX	Patria Investments Limited	2.88%	$0.46	66.16%
000528.SZ	Guangxi Liugong Machinery Co., Ltd.	2.87%	$0.34	51.00%
2233.HK	West China Cement Limited	2.87%	$0.09	38.77%
600660.SS	Fuyao Glass Industry Group Co., Ltd.	2.87%	$1.86	53.34%
603579.SS	Shanghai Rongtai Health Technology Corporation Limited	2.87%	$0.68	77.63%
EIF.TO	Exchange Income Corporation	2.87%	$2.35	93.13%
000403.SZ	Pacific Shuanglin Bio-pharmacy Co., Ltd.	2.86%	$0.39	66.45%
002637.SZ	Zanyu Technology Group Co., Ltd.	2.86%	$0.29	80.65%
008260.KS	Ni Steel Co.,Ltd	2.86%	$99.96	15.43%
0434.HK	Boyaa Interactive International Limited	2.86%	$0.10	8.21%
0839.HK	China Education Group Holdings Limited	2.86%	$0.09	77.39%
2949.TWO	H.H.Galaxy Co., Ltd.	2.86%	$1.93	53.15%
600480.SS	Ling Yun Industrial Corporation Limited	2.86%	$0.35	56.75%
603373.SS	Anbang Save-Guard Group Co.,Ltd.	2.86%	$1.09	90.20%
603380.SS	Suzhou Etron Technologies Co.,Ltd.	2.86%	$1.09	77.96%
C09.SI	City Developments Limited	2.86%	$0.23	17.08%
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4432.T	WingArc1st Inc.	2.85%	$103.62	68.51%
603998.SS	Hunan Fangsheng Pharmaceutical Co., Ltd.	2.85%	$0.32	47.62%
FAGR.BR	Fagron N.V.	2.85%	$0.62	27.65%
SKR.BK	Sikarin Public Company Limited	2.85%	$0.20	61.04%
TPX-B.TO	Molson Coors Canada Inc.	2.85%	$1.86	35.97%

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Pathward Financial, Inc. (CASH)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener