OakChart

Pathward Financial Inc

CASHFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 6:41 AM ET

75.37+0.25 (0.34%)
2026-11-11 15:08 CET
Market cap
1,558.40 USD m
Revenue, TTM
- USD m
Net income, TTM
175.49 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
8.14
P/E
9.26
Compare

Price

CASH against its 20, 50 and 200-day averages
2050200beatmiss
70.0080.0090.00347K694KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CASHclose 75.3720-day 75.8050-day 75.64200-day 84.9175.37

25.6% under 101.26 on 17 Apr 2026. Last 15 sessions, 9.4% high to low

Profile

CASH
52-week range, 27% of the way up
65.96101.26

Pathward Financial, Inc. is a financial holding company, which provides savings and loan services. The firm operates through the following business segments: Consumer, Commercial, and Corporate Services/Other. The Consumer segment collaborates with partners to navigate payment and lending needs. The Commercial segment refers to the commercial finance business line, which helps businesses access funds they need to launch, operate, and grow. The Corporate Services/Other segment consists of certain shared services, treasury, retained community bank portfolio, and student loan lending. The company was founded on June 14, 1993 and is headquartered in Sioux Falls, SD.

IndexRUT
Employees1224
IPOSep 20, 1993
Beta0.66
ATR, 14d2.03
Rel volume0.01
Short float15.49%
Insider own1.55%
Inst own101.80%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.56B
Enterprise Value-
Income175.49M
Sales832.16M
Book/sh39.53
Cash/sh-
Dividend Est.0.20 (0.27%)
Dividend TTM0.20 (0.27%)
Dividend Ex-DateSep 10, 2026
Dividend Gr. 3/5Y0.00% 0.00%
Payout2.46%
Employees1224
IPOSep 20, 1993

Ratios

P/E9.26
Forward P/E6.90
PEG-
P/S1.88
P/B1.91
P/C-
P/FCF3.26
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.59
Debt/Eq0.45
LT Debt/Eq0.04
Option/ShortYes / Yes

Earnings

EPS (ttm)8.14
EPS next Y10.93
EPS next Q1.57
EPS this Y18.35%
EPS next Y13.43%
EPS next 5Y-
EPS past 3/5Y10.79% 13.21%
Sales past 3/5Y5.67% 8.37%
EPS Y/Y TTM3.26%
Sales Y/Y TTM-0.51%
EPS Q/Q9.29%
Sales Q/Q-2.04%
EarningsOct 21 AMC
EPS/Sales Surpr.17.09% 2.24%

Ownership

Insider Own1.55%
Insider Trans-1.38%
Inst Own101.80%
Inst Trans-0.94%
ROA2.43%
ROE20.91%
ROIC20.56%
Gross Margin-
Oper. Margin24.68%
Profit Margin21.09%
SMA20-0.56%
SMA50-0.36%
SMA200-11.23%
Trades-

Technical

Shs Outstand20.75M
Shs Float20.42M
Short Float15.49%
Short Ratio14.05
Short Interest3.16M
52W High101.26 -25.56%
52W Low65.96 14.27%
Volatility3.15% 2.67%
ATR (14)2.03
RSI (14)48.28
Beta0.66
Rel Volume0.01
Avg Volume225.17K
Volume91

Performance

Perf Week-4.60%
Perf Month4.90%
Perf Quarter-12.49%
Perf Half Y-5.70%
Perf YTD6.16%
Perf Year9.21%
Perf 3Y58.52%
Perf 5Y18.61%
Perf 10Y169.03%
Recom1.67
Target Price97.50
Prev Close75.12
Price75.37
Change %0.34%

Analyst ratings

latest 10 of 18
DateActionAnalystRating changeTargetImplied
Mar 12, 2026ResumedPPiper SandlerOverweight$107+42.0%
Jan 23, 2026UpgradeKKeefe BruyetteMkt Perform → Outperform$100+32.7%
Jan 26, 2023ResumedRRaymond JamesMkt Perform
Jul 28, 2022DowngradeKKeefe BruyetteOutperform → Mkt Perform$67 → $45-40.3%
Jul 07, 2022DowngradeRRaymond JamesStrong Buy → Outperform$70 → $46-39.0%
Oct 29, 2020UpgradeKKeefe BruyetteMkt Perform → Outperform$28 → $33-56.2%
Aug 23, 2019ReiteratedBB. Riley FBRBuy$35 → $38-49.6%
Apr 26, 2019UpgradeBB. Riley FBRNeutral → Buy$25 → $33-56.2%
Jul 27, 2018DowngradeBB. Riley FBRBuy → Neutral$132 → $100+32.7%
Jan 31, 2018ReiteratedBB. Riley FBR, Inc.Buy$120 → $125+65.8%

Peers

Mkt cap
TickerCompanyMkt cap
TBBKBancorp Inc1.95B
CCBCoastal Financial Corp658.09M
CUBICustomers Bancorp Inc2.84B
GDOTGreen Dot Corp646.68M
TFINTriumph Financial Inc1.48B
FINWFinWise Bancorp202.17M
AXAxos Financial Inc5.26B
ESQEsquire Financial Holdings Inc1.61B
LOBLive Oak Bancshares Inc1.60B
MVBFMVB Financial Corp333.02M

Insider trading

10 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Sharett Anthony M.OfficerOct 28 '26Proposed Sale78.1520,0001,563,000Oct 28 04:44 PM
Hoople Elizabeth G.DirectorMay 29 '26Sale82.294,500370,30528,050Jun 01 04:58 PM
Hoople Elizabeth G.DirectorMay 29 '26Proposed Sale82.384,500370,710May 29 09:05 AM
Hajek Douglas J.DirectorApr 29 '26Sale86.375,000431,84412,281Apr 30 04:01 PM
Hajek Douglas J.DirectorApr 29 '26Proposed Sale88.145,000440,700Apr 29 10:27 AM
Pharr Brett L.Chief Executive OfficerFeb 23 '26Sale93.8815,6411,468,42178,261Feb 24 04:50 PM
Pharr Brett L.OfficerFeb 20 '26Proposed Sale93.9115,6411,468,846Feb 20 03:29 PM
Stork Kendall EDirectorFeb 09 '26Sale94.153,000282,4502,153Feb 10 04:23 PM
Stork Kendall EDirectorFeb 09 '26Proposed Sale94.073,000282,210Feb 09 02:37 PM
Perretta ChristopherDirectorJan 30 '26Sale89.941,450130,4136,700Feb 04 04:02 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFMCU.S. Micro Cap Portfolio ETF Class Shares-
KBEState Street SPDR S&P Bank ETFAUM: 1.59B

News

latest 14 of 200
  • Pathward Beats On Buybacks, A Low Tax Rate And Better Adjusted Margin, But A 5.61% NPL Ratio Still Defines The Story (Earnings Whispers)
  • Pathward: Fiscal Q4 Earnings Snapshot (Associated Press)
  • Pathward Financial, Inc. Announces Results for Fourth Quarter and Fiscal Year 2026 (Business Wire)
  • Pathward and Clair Extend Partnership to Expand Access to Earned Wage Advances (Business Wire)
  • Pathward Financial, Inc. to Announce Fourth Quarter and Fiscal Year 2026 Earnings and Host Conference Call on October 21, 2026 (Business Wire)
  • Loading…
  • Tearsheet Names Pathward "Partner Bank of the Year" (Business Wire)
  • Pathward Financial, Inc. Declares Cash Dividend (Business Wire)
  • Pathward and TabaPay Extend Partnership and Expand Program Offerings (Business Wire)
  • ACT Capital Advisors Secures Development Capital from Pathward and BridgePeak for Teichos Energy's Late-Stage Solar Energy Projects (PR Newswire)
  • Pathward Named to the 2026 Monitor 100 (Business Wire)
  • Pathward Financial Inc (CASH) Q3 2026 Earnings Call Highlights: Strong Income Growth Amidst ... (GuruFocus.com) -6.26%
  • Pathward: Fiscal Q3 Earnings Snapshot (Associated Press)
  • Pathward Financial, Inc. Announces Results for 2026 Fiscal Third Quarter (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q42026-10-211.8501.5801.850183.12179.13
2026Q32026-07-221.3691.9471.367189.64191.173
2026Q22026-04-223.3473.3473.354276.3272.043
2026Q12026-01-221.5681.3801.569173.1185.82
2025Q42025-10-211.6901.3751.693186.7189.92
2025Q32025-07-281.8101.6701.815195.8185.052
2025Q22025-04-222.4652.7833.142262.9259.273
2025Q12025-01-211.2901.2271.229173.5171.353
2024Q42024-10-231.3501.2601.345167.9167.23
2024Q32024-07-241.6601.5501.658176.7176.633
2024Q22024-04-242.5602.3472.558247.2240.463
2024Q12024-01-241.0601.2401.063162.8166.453
2023Q42023-10-251.3601.2501.361161155.573
2023Q32023-07-261.7051.4731.679165.2165.993
2023Q22023-04-261.9902.0731.985228.4210.543
2023Q12023-01-250.9800.8050.977149.83136.792

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.6102.0131.610265.4269.07
2018FY1.6701.6451.673315.07327.47
2019FY2.4902.4752.492486.75491.18
2020FY2.9402.7332.937498.8471.01
2021FY4.3804.7134.378549.9543.8
2022FY5.2605.1555.262601.13553.68
2023FY5.9905.8835.986704.46690.63
2024FY6.6206.5537.204754.6752.7
2025FY7.8707.4707.873818.9829.75
2026FY8.1407.9278.140822.16818.35
2027FY-9.633--871.76
2028FY-10.927--930.05

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2027Q1S2026-10-23300183.23180.8185.4
2027Q1S2026-10-22300182.96180.8185.4
2027Q1S2026-10-21300183.39182.6184.9
2027Q1S2026-10-06300183.39182.6184.9
2027Q1S2026-07-23303183.39182.6184.9
2027Q1S2026-07-07300189.74189.62189.8
2027Q1S2026-04-24310189.74189.62189.8
2027Q1S2026-04-23310189.51188.94189.8
2027Q1S2026-04-08300188.28187188.94
2027Q1S2026-03-11301188.28187188.94
2027Q1S2026-01-23201187.95187188.9
2027Q1S2025-11-11100198.2198.2198.2
2027Q1S2025-11-10100198.2198.2198.2
2027Q1S2025-11-09100198.2198.2198.2

Estimate history

EPS, annual1.6732.4922.9374.3785.2625.9867.2047.8738.14
Period201820192020202120222023202420252026
EPS, quarterly1.3451.2293.1421.8151.6931.5693.3541.3671.85
PeriodQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26
Sales, annual343.059548.274513.36556.758556.003705.334818.645836.448832.16
Period201820192020202120222023202420252026
Sales, quarterly171.76169.331281.888197.034188.196174.985282.056190.764184.355
PeriodQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26
Shares, annual39.16737.80734.36131.6728.78826.18424.84722.77320.746
Period201820192020202120222023202420252026
Shares, quarterly24.84724.11923.55922.95422.77322.1721.32821.02420.746
PeriodQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26

Income statement, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Interest Income484.93484.93523.39519.06398.74312.20285.85292.84325.73
Total Interest Expense10.0010.0011.6021.2310.874.876.8633.8061.52
Net Interest Income474.93474.93511.79497.82387.86307.32278.99259.04264.21
Loan Loss Provision87.4687.4656.7758.1057.3528.5449.7764.7855.65
Net Interest Income After Loan Loss Provision387.48387.48455.02439.72330.51278.79229.22194.26208.56
Non-Interest Income347.23347.23313.06299.59306.60243.81270.90220.52222.54
Non-Interest Expense529.30529.48554.15517.68461.70384.61339.17315.37323.50
Operating Income205.41205.23213.92221.63175.40137.99160.9699.41107.60
Unusual Expense--5.923.013.270.674.523.689.66
Net Income Before Taxes205.23205.23223.05218.62182.13187.32156.45115.0097.94
Income Taxes28.8028.8036.2734.1116.3227.9610.705.66-3.37
Consolidated Net Income176.25176.24186.10182.83163.35156.79143.05109.34101.32
Net Income From Continuing Operations175.49175.48185.18181.54161.16153.82139.01104.7297.00
Net Income175.49175.48185.18181.54161.16153.82139.01104.7297.00
EPS (Recurring)--8.057.296.075.284.483.012.67
EPS (Basic, Before Extraordinaries)8.188.187.917.216.015.264.382.942.49
EPS (Diluted)8.148.147.877.205.995.264.382.942.49
Non-Operating Income (Expense)0.000.0015.040.0010.0050.000.0019.270.00
Other After Tax Adjustments-0.19-0.19-0.69-1.68-2.45-2.56-2.700.000.00
Stock Option Compensation Expense--7.518.138.757.905.007.469.45
Price To Earnings Ratio9.239.239.839.948.466.3111.966.5813.11
Price To Sales Ratio1.781.842.082.031.761.732.991.332.31
Operating Margin24.6824.6625.5827.0724.8724.8228.9119.3619.63
Net Margin21.0921.0922.1422.1822.8527.6724.9720.4017.69
Shares Outstanding20.7520.7522.7724.8526.1828.7931.6734.3637.81
Market Capitalization1,558.401,558.401,685.401,648.731,208.74957.601,675.17665.541,235.23

Income statement, quarterly

Currency USD, millions
Metric2026Q42026Q32026Q22026Q12025Q42025Q32025Q22025Q1
Interest Income118.80114.03130.88121.22129.44123.59142.00128.36
Total Interest Expense1.241.125.751.881.491.285.723.11
Net Interest Income117.56112.91125.12119.34127.95122.31136.28125.25
Loan Loss Provision10.3028.3145.623.23-6.439.2835.2718.66
Net Interest Income After Loan Loss Provision107.2684.6079.51116.11134.38113.03101.01106.59
Non-Interest Income65.5676.73151.1853.7658.7673.44139.8840.97
Non-Interest Expense129.69128.94143.46127.21141.45138.25146.66127.80
Operating Income43.1332.3987.2342.6651.6948.2394.2319.77
Unusual Expense-0.180.000.003.331.081.510.00
Net Income Before Taxes43.1332.2187.2342.6648.3747.1691.3636.17
Income Taxes4.373.0614.177.199.304.7916.176.00
Consolidated Net Income38.7229.1272.9935.4238.9342.2174.9330.04
Net Income From Continuing Operations38.5928.9472.8435.1238.6641.9974.6929.84
Net Income38.5928.9472.8435.1238.6641.9974.6929.84
EPS (Recurring)-1.373.351.571.791.853.191.23
EPS (Basic, Before Extraordinaries)1.861.373.371.571.701.833.161.23
EPS (Diluted)1.851.373.351.571.691.813.141.23
Non-Operating Income (Expense)0.000.000.000.000.000.00-1.3616.40
Other After Tax Adjustments-0.04-0.03-0.07-0.05-0.14-0.15-0.26-0.12
Stock Option Compensation Expense-2.023.102.261.801.702.731.14
Price To Earnings Ratio9.2310.3310.869.019.8310.6910.6511.11
Price To Sales Ratio1.782.202.301.892.022.232.162.30
Operating Margin23.3916.9830.9324.3827.4724.4833.4311.67
Net Margin20.9315.1725.8220.0720.5421.3126.5017.62
Shares Outstanding20.7521.0221.3322.1722.7722.9523.5624.12
Market Capitalization1,558.401,837.841,941.971,586.071,685.401,886.661,739.531,774.71

Balance sheet, annual

Currency USD, millions
Metric2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Cash & Due from Banks162.40120.57158.34375.58388.04314.02427.37126.5599.98
Investments1,303.651,585.002,526.671,970.691,996.932,036.331,574.401,589.562,063.18
Net Loans5,017.304,611.594,003.434,316.413,490.363,541.283,266.583,629.702,931.70
Investment in Unconsolidated Affiliates-5.304.104.102.903.100.000.000.00
Customer Liability on Acceptances-0.000.000.000.000.000.000.000.00
Real Estate Assets-----2.089.9629.4931.64
Net Property, Plant & Equipment160.41222.78268.79277.81276.18292.40247.57254.47147.75
Interest Receivables35.8338.5231.3923.2817.9816.2516.6320.4022.02
Deferred Tax Assets-----92.5474.7354.1745.15
Other Intangible Assets574.09588.59539.30567.67575.02460.01531.85513.84520.07
Total Assets7,253.687,172.347,532.027,535.546,747.416,758.026,149.086,218.185,861.48
Total Deposits5,691.645,886.955,875.096,589.185,866.045,514.974,979.204,337.014,430.99
Total Debt368.0666.41410.3575.7168.08129.38125.30895.94552.61
Long Term Debt33.5653.9733.3558.1763.53124.30116.11246.00122.99
Provision for Risks Charges-0.920.690.370.690.690.100.100.10
Deferred Tax Liabilities-----67.3757.0135.2826.41
Other Liabilities373.62360.61423.69219.66167.46173.72140.17105.89103.65
Total Liabilities6,433.326,314.896,709.836,884.926,102.275,886.135,301.775,374.225,113.75
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity820.16858.04822.47651.63645.17870.73843.71839.91744.15
Total Shareholders Equity820.16858.04822.47651.63645.17870.73843.71839.91744.15
Accumulated Minority Interest0.19-0.59-0.28-1.00-0.031.163.604.053.57
Total Equity820.36857.45822.19650.62645.14871.88847.31843.96747.73
Total Liabilities & Stockholders Equity7,253.687,172.347,532.027,535.546,747.416,758.026,149.086,218.185,861.48
Book Value Per Share39.5337.6833.1024.8922.4127.4924.5522.2219.00
Tangible Book Value Per Share24.7224.0519.9812.2810.7716.6714.3312.639.45
Tier 1 Capital-707.41662.13582.19529.54528.84479.78479.37428.87
Tier 2 Capital-72.2585.8367.5563.62127.14123.15102.9286.68
Full-Time Employees1,2241,1821,2441,1991,1541,1341,0151,1861,219
Price to Book Ratio1.902.072.161.801.471.910.781.471.79
Return on Assets2.432.522.412.262.282.151.691.610.93
Return on Equity20.9121.8124.6324.8620.2916.2212.4412.258.76
Return on Invested Capital20.5520.3021.2122.7121.7013.9710.918.935.95
Current Ratio0.590.030.030.060.070.070.100.060.06

Cash flow, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Funds from Operations--570.96332.66242.62314.11536.53460.96176.58
Extraordinary Item--0.000.000.000.000.000.000.00
Changes in Working Capital---120.34156.1560.49-45.3045.126.2614.43
Cash from Operating Activities--450.62488.81303.11268.81581.64467.22191.01
Capital Expenditures---214.03-276.75-449.91-438.87-64.03-65.90-158.40
Net Assets From Acquisitions--0.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses--636.769.5715.0059.4116.9120.929.97
Purchase or Sale of Investments--404.44201.5825.25-301.07-576.1876.84657.32
Purchase of Investments---2.28-3.46-156.88-907.36-1,041.77-229.33-299.27
Sale Or Maturity of Investments--406.72205.05182.13606.29465.59306.17956.59
Federal Home Loan Advances Increase (Decrease)--11.31-7.800.60-0.41-1.263.78-7.52
Other Uses--0.000.000.000.000.000.000.00
Other Sources--0.476.4611.043.550.000.000.00
Cash from Investing Activities--25.84-262.93-920.76-310.87-1,118.40-206.32-339.20
Cash Dividends Paid---4.69-5.07-5.43-5.92-6.40-7.10-7.76
Preferred Dividends (Cash Flow)--0.000.000.000.000.000.000.00
Change in Capital Stock---163.05-86.85-120.44-165.35-96.84-115.25-47.85
Repurchase of Common Pref Stock---163.05-86.85-120.44-168.24-99.88-118.74-49.91
Sale of Common Pref Stock--0.000.000.002.893.043.492.06
Proceedsfrom Stock Options--0.000.000.002.893.043.222.01
Issuance or Reduction of Debt, Net---368.00364.0013.00-55.08-0.03-757.76330.24
Change in Long Term Debt--0.000.000.00-55.08-0.03-276.74329.91
Issuance of Long Term Debt--0.000.000.0020.000.000.00330.00
Reduction of Long Term Debt--0.000.000.00-75.08-0.03-276.74-0.09
Net Financing Active Other Cash Flow---1.23-1.19-5.42-6.90-9.56-11.00-7.61
Other Financing Activities Uses---1.23-1.19-5.42-6.90-9.64-12.64-15.53
Cash from Financing Activities---513.03-443.20604.86117.82422.9340.02174.88
Exchange Rate Effect---1.210.080.33-1.740.48-0.10-0.12
Net Change in Cash---37.77-217.24-12.4674.02-113.35300.8226.57
Free Cash Flow--236.59212.05-146.79-170.06517.62401.3232.61
Price to Free Cash Flow--7.518.04--3.261.7451.08

Balance sheet, quarterly

Currency USD, millions
Metric2026Q42026Q32026Q22026Q12025Q42025Q3
Cash & Due from Banks162.40149.41157.60331.22120.57258.34
Investments1,303.651,393.181,396.231,469.441,585.001,493.17
Net Loans5,017.304,998.064,768.894,924.024,611.594,637.33
Investment in Unconsolidated Affiliates-0.000.000.005.300.00
Net Property, Plant & Equipment160.41217.16210.34218.90222.78244.37
Interest Receivables35.8336.9736.1336.1738.5240.00
Other Intangible Assets574.09519.59543.21580.45588.59556.63
Total Assets7,253.687,314.377,112.407,560.207,172.347,229.84
Total Deposits5,691.645,950.315,851.706,350.395,886.956,005.25
Total Debt368.06223.7782.7056.7366.41172.89
Long Term Debt33.5655.3454.9054.1653.9757.03
Provision for Risks Charges-1.971.190.850.920.90
Other Liabilities373.62287.18326.14298.52360.61232.66
Total Liabilities6,433.326,463.236,261.726,706.496,314.896,411.70
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity820.16850.90851.46854.53858.04819.00
Total Shareholders Equity820.16850.90851.46854.53858.04819.00
Accumulated Minority Interest0.190.24-0.79-0.82-0.59-0.86
Total Equity820.36851.15850.68853.71857.45818.15
Total Liabilities & Stockholders Equity7,253.687,314.377,112.407,560.207,172.347,229.84
Book Value Per Share39.5340.4739.9238.5537.6835.68
Tangible Book Value Per Share24.7225.8225.4524.5824.0522.12
Tier 1 Capital-699.50700.22692.84707.41687.37
Tier 2 Capital-94.7988.1279.5172.2585.73
Full-Time Employees1,224-1,1811,1701,182-
Price to Book Ratio1.902.182.311.882.072.24
Return on Assets2.432.412.672.512.522.44
Return on Equity20.9121.0322.6423.6221.8122.69
Return on Invested Capital4.523.198.043.864.244.79
Current Ratio0.590.030.030.060.030.05

Cash flow, quarterly

Currency USD, millions
Metric2026Q42026Q32026Q22026Q12025Q42025Q3
Funds from Operations-67.32181.53186.11222.59117.43
Extraordinary Item-0.000.000.000.000.00
Changes in Working Capital--15.3751.41-77.8081.07-87.07
Cash from Operating Activities-51.95232.95108.30303.6630.36
Capital Expenditures--32.10-43.35-49.61-92.67-28.58
Net Assets From Acquisitions-0.000.000.000.000.00
Sale of Fixed Assets and Businesses-3.564.212.407.2312.40
Purchase or Sale of Investments-52.5432.5731.2258.9051.18
Purchase of Investments-0.000.000.000.000.00
Sale Or Maturity of Investments-52.5432.5731.2258.9051.18
Other Uses-0.000.000.000.000.00
Other Sources-0.0012.8432.210.060.00
Cash from Investing Activities--269.89141.21-300.36-199.61-282.36
Cash Dividends Paid--1.06-1.09-1.11-1.14-1.15
Preferred Dividends (Cash Flow)-0.000.000.000.000.00
Change in Capital Stock--28.28-72.72-50.89-15.15-45.45
Repurchase of Common Pref Stock--28.28-72.72-50.90-15.15-45.45
Sale of Common Pref Stock-0.000.000.000.000.00
Proceedsfrom Stock Options-0.000.000.000.000.00
Issuance or Reduction of Debt, Net-141.5026.00-9.00-106.00115.00
Change in Long Term Debt-0.000.000.000.000.00
Issuance of Long Term Debt-0.000.000.000.000.00
Reduction of Long Term Debt-0.000.000.000.000.00
Net Financing Active Other Cash Flow-0.64-0.11-0.530.00-0.41
Other Financing Activities Uses-0.64-0.11-0.530.00-0.41
Cash from Financing Activities-211.42-546.62401.91-240.59254.02
Exchange Rate Effect--1.67-1.150.79-1.242.07
Net Change in Cash--8.19-173.62210.65-137.784.09
Free Cash Flow-19.85189.6058.70211.001.78
Price to Free Cash Flow-3.884.243.817.2917.18

Revenue breakdown

United States2025: 839.89M
Commercial2025: 276.40M
Consumer2025: 527.26M
Corporate2025: 36.23M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3015.49%3.2M20.4M218.23K
2026-10-1514.92%3.1M20.5M220.76K
2026-09-3014.02%2.9M20.5M214.18K
2026-09-1513.37%2.7M20.5M217.62K
2026-08-3112.95%2.7M20.5M219.81K
2026-08-1410.78%2.2M20.5M207.61K
2026-07-3110.73%2.2M20.5M219.11K
2026-07-1510.66%2.2M20.8M214.62K
2026-06-3010.85%2.3M20.8M214.48K
2026-06-1510.55%2.2M20.8M218.07K
2026-05-2910.41%2.2M20.8M216.20K
2026-05-1510.67%2.2M20.8M238.36K
2026-04-3010.33%2.1M20.8M257.30K
2026-04-159.41%2.0M21.4M274.76K
2026-03-319.21%2.0M21.4M277.81K
2026-03-1310.05%2.2M21.4M267.73K
2026-02-278.91%1.9M21.4M267.49K
2026-02-137.49%1.6M21.4M249.73K
2026-01-306.60%1.4M21.4M228.70K
2026-01-155.89%1.3M21.8M212.33K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call40.000.000.000.00-0.000.00---
call45.000.000.000.00-0.000.00---
call50.000.000.000.00-0.000.00---
call55.000.000.000.00-0.000.00---
call60.000.000.000.00-0.000.00---
call65.000.000.000.00-0.000.00---
call70.000.000.006.10-3.000.00---
call75.000.000.001.74-11.000.00---
call80.000.000.001.47-23.000.00---
call85.000.000.000.00-0.000.00---
call90.000.000.000.00-0.000.00---
call95.000.000.000.00-0.000.00---
call1000.000.000.00-0.000.00---
call1050.000.000.00-0.000.00---
call1100.000.000.00-0.000.00---
call1150.000.000.00-0.000.00---
put40.000.000.000.00-0.000.00---
put45.000.000.000.00-0.000.00---
put50.000.000.000.00-0.000.00---
put55.000.000.000.00-0.000.00---
put60.000.000.000.40-5,0000.00---
put65.000.000.000.17-4,3770.00---
put70.000.000.000.07-68.000.00---
put75.000.000.001.90-4,3760.00---
put80.000.000.000.00-0.000.00---
put85.000.000.000.00-0.000.00---
put90.000.000.000.00-0.000.00---
put95.000.000.000.00-0.000.00---
put1000.000.000.00-0.000.00---
put1050.000.000.00-0.000.00---
put1100.000.000.00-0.000.00---
put1150.000.000.00-0.000.00---

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-098-KCurrent report2026-11-03SEC
2026-11-054Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-054Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-054Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-054Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-10-30SCHEDULE 13GSEC
2026-10-28144Filing for proposed sale of securities under Rule 144.SEC
2026-10-264Statement of changes in beneficial ownership of securities2026-10-23SEC
2026-10-218-KCurrent report2026-10-21SEC
2026-10-204Statement of changes in beneficial ownership of securities2026-10-16SEC
2026-10-204Statement of changes in beneficial ownership of securities2026-10-16SEC
2026-10-204Statement of changes in beneficial ownership of securities2026-10-16SEC
2026-10-204Statement of changes in beneficial ownership of securities2026-10-16SEC
2026-10-204Statement of changes in beneficial ownership of securities2026-10-16SEC
2026-09-178-KCurrent report2026-09-14SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-08-208-KCurrent report2026-08-20SEC
2026-08-07SCHEDULE 13GSEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-228-KCurrent report2026-07-22SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-07SEC
2026-06-014Statement of changes in beneficial ownership of securities2026-05-29SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-0500370.31K1
2026-0400431.84K1
2026-030000
2026-02001.75M2
2026-0100130.41K1
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.71%
FMR LLC7.82%
STATE STREET CORP6.82%
AMERICAN CENTURY COMPANIES INC6.02%
DIMENSIONAL FUND ADVISORS LP5.38%
GEODE CAPITAL MANAGEMENT, LLC3.52%
VANGUARD CAPITAL MANAGEMENT LLC3.45%
EARNEST PARTNERS LLC2.70%
Allspring Global Investments Holdings, LLC2.44%
VANGUARD PORTFOLIO MANAGEMENT LLC2.10%

Funds

Fund% owned
WisdomTree Europe Hedged Equity Fund10.94%
WisdomTree International SmallCap Dividend Fund5.77%
Avantis U.S. Small Cap Value ETF3.36%
Fidelity Stock Selector Small Cap Fund3.21%
iShares Russell 2000 ETF2.62%
WisdomTree International High Dividend Fund2.46%
Fidelity Series Small Cap Opportunities Fund2.44%
WisdomTree Dynamic International SmallCap Equity Fund2.35%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.24%
WisdomTree Europe SmallCap Dividend Fund1.80%

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