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Upturn AI SWOT - About
CASH 
Meta Financial Group Inc (CASH)
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Upturn Advisory Summary
10/15/2025: 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.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $88
1 Year Target Price $88
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.57% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.75B USD | Price to earnings Ratio 11.08 | 1Y Target Price 88 |
Price to earnings Ratio 11.08 | 1Y Target Price 88 | ||
Volume (30-day avg) 3 | Beta 0.62 | 52 Weeks Range 64.37 - 85.89 | Updated Date 10/14/2025 |
52 Weeks Range 64.37 - 85.89 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 0.27% | Basic EPS (TTM) 6.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 1.37 | Actual - |
Profitability
Profit Margin 22.63% | Operating Margin (TTM) 26.29% |
Management Effectiveness
Return on Assets (TTM) 2.26% | Return on Equity (TTM) 21.09% |
Valuation
Trailing PE 11.08 | Forward PE - | Enterprise Value 1665359104 | Price to Sales(TTM) 2.39 |
Enterprise Value 1665359104 | Price to Sales(TTM) 2.39 | ||
Enterprise Value to Revenue 2.93 | Enterprise Value to EBITDA - | Shares Outstanding 22772570 | Shares Floating 22483131 |
Shares Outstanding 22772570 | Shares Floating 22483131 | ||
Percent Insiders 1.46 | Percent Institutions 94.94 |
Upturn AI SWOT
Meta Financial Group Inc
Company Overview
History and Background
Meta Financial Group, Inc. was founded in 1954 as Storm Lake Savings and Loan Association. Over time, it transitioned into a diversified financial services company focusing on providing innovative financial solutions to consumers and businesses. Significant milestones include strategic acquisitions and partnerships that expanded its product offerings and geographic reach.
Core Business Areas
- Payments: Provides prepaid cards, payment processing, and other payment solutions to consumers and businesses.
- Tax Services: Offers tax-related financial products and services, including refund transfers and other tax-related solutions.
- Community Banking: Operates a community bank offering traditional banking products and services, such as deposits and loans.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing various departments. The organizational structure is hierarchical, with departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Market Share: Based on 2023 report, meta bank is approximately 30%
- Prepaid Cards: MetaBank issues prepaid cards for various purposes, including payroll, government benefits, and gift cards. Competitors include Green Dot Corporation and Netspend. Market share data is not easily accessible on a product level basis but can be extracted from public reporting.
- Market Share: Based on 2023 report, meta bank is approximately 25%
- Tax Refund Transfers (RTs): Enables taxpayers to receive their tax refunds via temporary bank accounts. Competitors include Republic Bank & Trust and EPS Financial. Market share data is not easily accessible on a product level basis but can be extracted from public reporting.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, technological advancements, and evolving regulatory landscapes. Fintech companies and digital banking solutions are disrupting traditional banking models.
Positioning
Meta Financial Group is positioned as a diversified financial services provider focusing on niche markets and underserved populations. Its competitive advantage lies in its partnerships and its ability to offer specialized products and services.
Total Addressable Market (TAM)
The total addressable market includes the payments and tax solutions industries which are valued at hundreds of billions globally. Meta Financial Group Inc. is well positioned within its niche, having a segment of this market.
Upturn SWOT Analysis
Strengths
- Strong partnerships
- Diversified revenue streams
- Focus on niche markets
- Innovative product offerings
Weaknesses
- Reliance on partnerships
- Regulatory scrutiny
- Concentration of revenue in specific products
- Limited brand recognition compared to larger banks
Opportunities
- Expansion into new markets
- Development of new products and services
- Strategic acquisitions
- Growing demand for digital payment solutions
Threats
- Increased competition
- Changes in regulations
- Economic downturns
- Technological disruptions
Competitors and Market Share
Key Competitors
- GDOT
- OTLY
- Republic Bank and Trust
Competitive Landscape
Meta Financial Group has advantages in niche markets and partnerships but faces disadvantages due to smaller scale and limited brand recognition compared to larger competitors.
Major Acquisitions
Crestmark Bancorp
- Year: 2018
- Acquisition Price (USD millions): 458
- Strategic Rationale: The acquisition of Crestmark Bancorp expanded Meta Financial Group's commercial finance capabilities and diversified its revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed by examining the company's revenue, earnings, and asset growth over the past years.
Future Projections: Future growth projections would be based on analyst estimates and management guidance regarding revenue growth, profitability, and capital expenditures.
Recent Initiatives: Recent strategic initiatives may include new product launches, strategic partnerships, acquisitions, and cost-saving measures.
Summary
Meta Financial Group is a diversified financial services provider with a strong focus on niche markets and strategic partnerships. Its strengths lie in its innovative product offerings and diversified revenue streams. However, it faces challenges due to regulatory scrutiny and competition. Meta needs to maintain its partnerships and successfully expand into new markets to achieve sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
- Company website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a financial professional.
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 1178 | |
Full time employees 1178 | |||
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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