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Pathward Financial (Pathward Financial) Cyclically Adjusted PS Ratio : 3.91 (As of May. 14, 2024)


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What is Pathward Financial Cyclically Adjusted PS Ratio?

As of today (2024-05-14), Pathward Financial's current share price is $54.10. Pathward Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 was $13.85. Pathward Financial's Cyclically Adjusted PS Ratio for today is 3.91.

The historical rank and industry rank for Pathward Financial's Cyclically Adjusted PS Ratio or its related term are showing as below:

CASH' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.14   Med: 3.26   Max: 6.78
Current: 3.89

During the past years, Pathward Financial's highest Cyclically Adjusted PS Ratio was 6.78. The lowest was 1.14. And the median was 3.26.

CASH's Cyclically Adjusted PS Ratio is ranked worse than
78.46% of 1193 companies
in the Banks industry
Industry Median: 2.42 vs CASH: 3.89

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Pathward Financial's adjusted revenue per share data for the three months ended in Mar. 2024 was $8.015. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $13.85 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Pathward Financial Cyclically Adjusted PS Ratio Historical Data

The historical data trend for Pathward Financial's Cyclically Adjusted PS Ratio 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.

* Premium members only.

Pathward Financial Cyclically Adjusted PS Ratio Chart

Pathward Financial Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.79 2.32 5.55 3.02 3.58

Pathward Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.48 3.73 3.58 4.01 3.64

Competitive Comparison of Pathward Financial's Cyclically Adjusted PS Ratio

For the Banks - Regional subindustry, Pathward Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pathward Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Pathward Financial's Cyclically Adjusted PS Ratio falls into.



Pathward Financial Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Pathward Financial's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=54.10/13.85
=3.91

* 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.

Pathward Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Pathward Financial's adjusted Revenue per Share data for the three months ended in Mar. 2024 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=8.015/129.4194*129.4194
=8.015

Current CPI (Mar. 2024) = 129.4194.

Pathward Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201406 1.104 100.560 1.421
201409 1.133 100.428 1.460
201412 1.151 99.070 1.504
201503 1.335 99.621 1.734
201506 1.246 100.684 1.602
201509 1.215 100.392 1.566
201512 1.172 99.792 1.520
201603 1.815 100.470 2.338
201606 1.469 101.688 1.870
201609 1.308 101.861 1.662
201612 1.241 101.863 1.577
201703 3.396 102.862 4.273
201706 1.711 103.349 2.143
201709 1.721 104.136 2.139
201712 1.666 104.011 2.073
201803 3.643 105.290 4.478
201806 1.810 106.317 2.203
201809 1.879 106.507 2.283
201812 2.296 105.998 2.803
201903 4.051 107.251 4.888
201906 2.705 108.070 3.239
201909 2.835 108.329 3.387
201912 2.598 108.420 3.101
202003 4.358 108.902 5.179
202006 2.845 108.767 3.385
202009 2.921 109.815 3.442
202012 3.199 109.897 3.767
202103 5.447 111.754 6.308
202106 3.884 114.631 4.385
202109 3.511 115.734 3.926
202112 3.328 117.630 3.662
202203 6.086 121.301 6.493
202206 3.993 125.017 4.134
202209 3.760 125.227 3.886
202212 4.166 125.222 4.306
202303 7.069 127.348 7.184
202306 5.176 128.729 5.204
202309 5.057 129.860 5.040
202312 4.961 129.419 4.961
202403 8.015 129.419 8.015

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Pathward Financial  (NAS:CASH) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Pathward Financial Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of Pathward Financial's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Pathward Financial (Pathward Financial) Business Description

Traded in Other Exchanges
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, Commercial and Corporate Services/Other. The majority of the revenue is generated from Consumer segment.
Executives
Glen William Herrick officer: EVP, CFO & Secretary C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Greg Sigrist officer: EVP, CFO-Designee 1301 A STREET, TACOMA WA 98402
Christopher Perretta director C/O STATE STREET CORPORATION, ONE LINCOLN STREET, BOSTON MA 02111
Sonja Anne Theisen officer: Chief Accounting Officer C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Elizabeth G. Hoople director C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Charles C. Ingram officer: EVP, Chief Information Officer C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57018
Frederick V Moore director 1700 SHOREWAY ROAD, STORM LAKE IA 50588
Douglas J. Hajek director C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Brett L. Pharr officer: EVP & Group Head of Governance C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Michael Robert Kramer director C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Anthony M. Sharett officer: EVP, Gen. Counsel & Corp. Sec. C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Nadia Dombrowski officer: Chief Legal Officer C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS VA 57108
Kia S. Tang officer: EVP, Chief Ppl and Incl Ofcr C/O META FINANCIAL GROUP, INC., 5501 SOUTH BROADBAND LANE, SIOUX FALLS SD 57108
Lizabeth H Zlatkus director ONE HARTFORD PLAZA, HARTFORD CT 06155
Ronald D Mccray director