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Pathward Financial (FRA:FM7) Shiller PE Ratio : 15.86 (As of May. 15, 2024)


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What is Pathward Financial Shiller PE Ratio?

As of today (2024-05-15), Pathward Financial's current share price is €49.80. Pathward Financial's E10 for the quarter that ended in Mar. 2024 was €3.14. Pathward Financial's Shiller PE Ratio for today is 15.86.

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

FRA:FM7' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.82   Med: 22.38   Max: 45.29
Current: 15.8

During the past years, Pathward Financial's highest Shiller PE Ratio was 45.29. The lowest was 9.82. And the median was 22.38.

FRA:FM7's Shiller PE Ratio is ranked worse than
80.12% of 1137 companies
in the Banks industry
Industry Median: 10.37 vs FRA:FM7: 15.80

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Pathward Financial's adjusted earnings per share data for the three months ended in Mar. 2024 was €2.355. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €3.14 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Pathward Financial Shiller PE Ratio Historical Data

The historical data trend for Pathward Financial's Shiller PE 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 Shiller PE Ratio Chart

Pathward Financial Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.12 12.29 25.75 13.03 14.73

Pathward Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Shiller PE 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 14.70 15.49 14.73 16.56 14.75

Competitive Comparison of Pathward Financial's Shiller PE Ratio

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

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

* The bar in red indicates where Pathward Financial's Shiller PE Ratio falls into.



Pathward Financial Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Pathward Financial's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=49.80/3.14
=15.86

* 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 E10 for the quarter that ended in Mar. 2024 is calculated as:

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

Adj_EPS=Earnings per Share (Diluted)/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=2.355/129.4194*129.4194
=2.355

Current CPI (Mar. 2024) = 129.4194.

Pathward Financial Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201406 0.167 100.560 0.215
201409 0.137 100.428 0.177
201412 0.157 99.070 0.205
201503 0.240 99.621 0.312
201506 0.196 100.684 0.252
201509 0.187 100.392 0.241
201512 0.150 99.792 0.195
201603 0.500 100.470 0.644
201606 0.309 101.688 0.393
201609 0.208 101.861 0.264
201612 0.044 101.863 0.056
201703 1.066 102.862 1.341
201706 0.309 103.349 0.387
201709 0.053 104.136 0.066
201712 0.135 104.011 0.168
201803 0.876 105.290 1.077
201806 0.197 106.317 0.240
201809 0.206 106.507 0.250
201812 0.343 105.998 0.419
201903 0.717 107.251 0.865
201906 0.664 108.070 0.795
201909 0.481 108.329 0.575
201912 0.504 108.420 0.602
202003 1.312 108.902 1.559
202006 0.471 108.767 0.560
202009 0.323 109.815 0.381
202012 0.690 109.897 0.813
202103 1.546 111.754 1.790
202106 1.004 114.631 1.134
202109 0.425 115.734 0.475
202112 1.770 117.630 1.947
202203 1.507 121.301 1.608
202206 0.719 125.017 0.744
202209 0.818 125.227 0.845
202212 0.925 125.222 0.956
202303 1.859 127.348 1.889
202306 1.551 128.729 1.559
202309 1.274 129.860 1.270
202312 0.972 129.419 0.972
202403 2.355 129.419 2.355

Add all the adjusted EPS together and divide 10 will get our E10.

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) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Pathward Financial Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Pathward Financial's Shiller PE 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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