Profitability
Weight: 25%
B+
78
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 58.5%
- Efficiency Ratio Trend -2.15 pp/yr
CASH
Pathward Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A+
96
- 5yr Avg ROE 21.0%
- 5yr Share-Count CAGR -8.0%
Growth Quality
Weight: 15%
A
88
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 7.5%
- Efficiency Ratio Trend (growth quality check) -2.15 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
26
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.08
Balance Sheet
Weight: 20%
A-
86
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 12.0%
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.66
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added.
- Holders
- 3 +1
- Avg Δ position
- +46.7%
- New buys
- 1
- Full exits
- 0