Pathward Financial, Inc. — Earnings Quality Grade C
CASH · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 21 days, change +3 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 4.0%, CFFO -7.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -22.7% vs revenue 4.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.42. Profits backed by cash
FCF $0.2B, FCF/NI = 1.27
Accruals ratio = -3.7%. Low accruals
Cash $0.1B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 36% of equity
Insufficient data
Insufficient data
Write-offs up 96% YoY
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Pathward Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25