CASHPATHWARD FINANCIAL, INC.
National Commercial Banks
- Revenue
- $840M
- 5.3% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $66M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear242% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear1% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear4% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $550M | $601M | $728M | $797M | $840M | 5.3% |
| Net income | $142M | $151M | $143M | $183M | $186M | 1.4% |
| Operating cash flow | $582M | $290M | $328M | $489M | $451M | 7.8% |
| Capex | $13M | $8M | $9M | $10M | $12M | 15% |
| Stock-based comp | $7M | $10M | $11M | $10M | $10M | 7.6% |
| Dividends | $6M | $6M | $5M | $5M | $5M | 7.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.