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Pathward Financial (FRA:FM7) Cyclically Adjusted PS Ratio : 3.71 (As of May. 31, 2024)


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What is Pathward Financial Cyclically Adjusted PS Ratio?

As of today (2024-05-31), Pathward Financial's current share price is €48.00. Pathward Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 was €12.95. Pathward Financial's Cyclically Adjusted PS Ratio for today is 3.71.

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

FRA:FM7' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.14   Med: 3.29   Max: 6.78
Current: 3.77

During the past years, Pathward Financial's highest Cyclically Adjusted PS Ratio was 6.78. The lowest was 1.14. And the median was 3.29.

FRA:FM7's Cyclically Adjusted PS Ratio is ranked worse than
78.59% of 1191 companies
in the Banks industry
Industry Median: 2.38 vs FRA:FM7: 3.77

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 €7.374. 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 €12.95 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 3.58

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
=48.00/12.95
=3.71

* 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)
=7.374/131.7762*131.7762
=7.374

Current CPI (Mar. 2024) = 131.7762.

Pathward Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201406 0.813 100.560 1.065
201409 0.880 100.428 1.155
201412 0.934 99.070 1.242
201503 1.234 99.621 1.632
201506 1.110 100.684 1.453
201509 1.083 100.392 1.422
201512 1.076 99.792 1.421
201603 1.629 100.470 2.137
201606 1.307 101.688 1.694
201609 1.165 101.861 1.507
201612 1.177 101.863 1.523
201703 3.176 102.862 4.069
201706 1.523 103.349 1.942
201709 1.444 104.136 1.827
201712 1.408 104.011 1.784
201803 2.954 105.290 3.697
201806 1.550 106.317 1.921
201809 1.610 106.507 1.992
201812 2.018 105.998 2.509
201903 3.585 107.251 4.405
201906 2.394 108.070 2.919
201909 2.574 108.329 3.131
201912 2.338 108.420 2.842
202003 3.944 108.902 4.772
202006 2.526 108.767 3.060
202009 2.480 109.815 2.976
202012 2.630 109.897 3.154
202103 4.575 111.754 5.395
202106 3.223 114.631 3.705
202109 2.984 115.734 3.398
202112 2.945 117.630 3.299
202203 5.526 121.301 6.003
202206 3.778 125.017 3.982
202209 3.798 125.227 3.997
202212 3.933 125.222 4.139
202303 6.602 127.348 6.832
202306 4.777 128.729 4.890
202309 4.739 129.860 4.809
202312 4.549 129.419 4.632
202403 7.374 131.776 7.374

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  (FRA:FM7) 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 (FRA:FM7) 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.

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