Where do Pathward Financial, Inc.'s ratios come from?

Every ratio is computed from Pathward Financial, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	22.1%-0.8pp	23%+3.3pp	19.7%-4.8pp	24.4%-1.3pp
Free cash flow margin	52.3%-7.8pp	60%+16.1pp	43.9%-3.7pp	47.6%-55.8pp
Returns
Return on equity	22.1%-3.3pp	25.4%+2.5pp	22.9%+2.8pp	20.1%+3.6pp
Return on assets	2.5%+0.1pp	2.4%+0.4pp	2%-0.2pp	2.3%0.0pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Leverage
Debt-to-equity	0.1×-0.5×	0.5×+0.4×	0.1×0.0×	0.1×0.0×
Debt-to-assets	0×0.0×	0.1×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$1.69B+2.4%	$1.65B+38.0%	$1.19B+29.2%	$923.69M-41.8%
Enterprise value	$1.63B-15.2%	$1.92B+116%	$893.08M+47.9%	$603.78M-57.0%
Price / earnings	9.1×+0.1×	9×+0.7×	8.3×+2.2×	6.1×-5.1×
Price / sales	2×-0.1×	2.1×+0.4×	1.6×+0.1×	1.5×-1.4×
Price / book	2×0.0×	2×+0.1×	1.9×+0.5×	1.5×-0.4×
EV / sales	1.9×-0.5×	2.4×+1.2×	1.2×+0.3×	1×-1.6×
Free cash flow yield	26%-3.0pp	29.1%+2.3pp	26.8%-5.1pp	31.9%-4.0pp
Earnings yield	11%-0.1pp	11.1%-0.9pp	12%-4.4pp	16.4%+7.4pp
Dividend yield	0.3%0.0pp	0.3%-0.1pp	0.5%-0.2pp	0.6%+0.2pp
PEG ratio	6.3×+5.9×	0.3×—	——	0.9×+0.6×

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Questions, answered.

Where do Pathward Financial, Inc.'s ratios come from?: Every ratio is computed from Pathward Financial, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.