Profitability
Weight: 25%
A
89
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 2.2%
- Operating Margin Trend +0.26 pp/yr
CASH
Pathward Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
100
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 29.4%
- 5yr Share-Count CAGR -7.2%
Growth Quality
Weight: 10%
A+
96
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 42.2%
- 5yr EPS CAGR 15.8%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 2.58x
Balance Sheet
Weight: 30%
A
90
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 12.0%
- Interest Coverage (EBIT/Int) 19.23x
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.66
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added.
- Holders
- 2
- Avg Δ position
- +9.0%
- New buys
- 0
- Full exits
- 0
- Cooperman increased +18%