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Upturn AI SWOT - About
CASH 
Meta Financial Group Inc (CASH)
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Upturn Advisory Summary
04/01/2025: CASH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 6.87% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.74B USD | Price to earnings Ratio 10.65 | 1Y Target Price 86 |
Price to earnings Ratio 10.65 | 1Y Target Price 86 | ||
Volume (30-day avg) 199967 | Beta 0.7 | 52 Weeks Range 48.01 - 85.89 | Updated Date 03/31/2025 |
52 Weeks Range 48.01 - 85.89 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 0.27% | Basic EPS (TTM) 6.85 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.92% | Operating Margin (TTM) 23.99% |
Management Effectiveness
Return on Assets (TTM) 2.23% | Return on Equity (TTM) 23.03% |
Valuation
Trailing PE 10.65 | Forward PE - | Enterprise Value 1198559104 | Price to Sales(TTM) 2.42 |
Enterprise Value 1198559104 | Price to Sales(TTM) 2.42 | ||
Enterprise Value to Revenue 2.94 | Enterprise Value to EBITDA - | Shares Outstanding 23845500 | Shares Floating 23487605 |
Shares Outstanding 23845500 | Shares Floating 23487605 | ||
Percent Insiders 1.44 | Percent Institutions 100.3 |
Analyst Ratings
Rating 3.33 | Target Price 84 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Meta Financial Group Inc
Company Overview
History and Background
Meta Financial Group, Inc., now Pathward Financial, Inc., was founded in 1954. Initially focused on community banking, it evolved into a financial holding company specializing in payment solutions and banking as a service (BaaS).
Core Business Areas
- Commercial Finance: Offers lending and deposit solutions for businesses.
- Consumer Banking: Provides traditional banking services to individual customers.
- Payments: Partnerships with fintech and payment companies to provide embedded financial solutions and card issuing services.
Leadership and Structure
The leadership team includes Anthony Sharett as CEO and the organizational structure consists of various departments focusing on specific business lines and support functions.
Top Products and Market Share
Key Offerings
- Prepaid Cards: MetaBank is a leader in the prepaid card market, offering solutions for government payments, payroll cards, and gift cards. Market share data is difficult to pinpoint due to the fragmented nature of the prepaid card market. Competitors include Green Dot (GDOT), Blackhawk Network, and InComm.
- Tax Refund Solutions: Facilitates the processing and disbursement of tax refunds. Information on revenue derived from this product is not publicly shared. Competitors include Intuit (INTU) and H&R Block (HRB).
- Banking as a Service (BaaS): Provides a suite of APIs and services that allows fintech companies to integrate banking functionality into their products. Market share for BaaS specifically is hard to ascertain as there is no clear categorization of these companies from an analysis perspective. Competitors include Treasury Prime, Unit, and Synctera.
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid transformation, driven by technological advancements and changing consumer expectations. Fintech innovation and increasing regulatory scrutiny are key trends.
Positioning
Meta Financial Group Inc. (Pathward Financial) positions itself as a technology-driven financial services company, leveraging its expertise in payments and banking to serve niche markets and fintech partners.
Total Addressable Market (TAM)
The TAM for embedded finance solutions is estimated to be substantial, potentially reaching trillions of dollars. Pathward Financial is positioned to capture a portion of this market through its partnerships and technology.
Upturn SWOT Analysis
Strengths
- Strong relationships with fintech partners
- Expertise in payments and card issuing
- Scalable technology infrastructure
- Diversified revenue streams
Weaknesses
- Reliance on third-party partners
- Exposure to regulatory changes
- Concentration risk in certain industries
- Integration risks associated with rapid growth
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased adoption of embedded finance solutions
- Acquisition of complementary businesses
Threats
- Increased competition from traditional banks and fintech companies
- Cybersecurity risks
- Economic downturns
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- GDOT
- FISV
- GPN
Competitive Landscape
Meta Financial Group Inc. (Pathward Financial) differentiates itself through its focus on payments and embedded finance solutions. However, it faces intense competition from larger, more established players in the financial services industry.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by strategic acquisitions and expansion into new markets.
Future Projections: Future growth is expected to be driven by the increasing adoption of embedded finance solutions and continued expansion into new markets. Analyst estimates vary depending on market conditions and company performance.
Recent Initiatives: Recent initiatives include strategic partnerships with fintech companies and the development of new technology platforms.
Summary
Pathward Financial has carved a niche in the payments and embedded finance sector through partnerships and technological capabilities. The reliance on third-party partners, regulatory changes, and intense competition present ongoing challenges. Pathward's growth will depend on its ability to innovate, manage risks, and capitalize on opportunities within the evolving financial landscape.
Similar Companies
- FISV
- GPN
- SQ
- PYPL
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Press Releases
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data and financial information are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Meta Financial Group Inc
Exchange NASDAQ | Headquaters Sioux Falls, SD, United States | ||
IPO Launch date 1993-09-21 | CEO & Director Mr. Brett L. Pharr | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1170 | |
Full time employees 1170 | |||
Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. It offers demand deposit accounts, savings accounts, and money market savings accounts. The company also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, it and offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well asissues debit and prepaid cards. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.
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