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Upturn AI SWOT - About
CASH 
Meta Financial Group Inc (CASH)
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Upturn Advisory Summary
08/13/2025: 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 08/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.73B USD | Price to earnings Ratio 9.96 | 1Y Target Price 88 |
Price to earnings Ratio 9.96 | 1Y Target Price 88 | ||
Volume (30-day avg) 3 | Beta 0.63 | 52 Weeks Range 62.63 - 85.94 | Updated Date 08/13/2025 |
52 Weeks Range 62.63 - 85.94 | Updated Date 08/13/2025 | ||
Dividends yield (FY) 0.27% | Basic EPS (TTM) 7.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 1.81 | Actual 1.81 |
Profitability
Profit Margin 22.72% | Operating Margin (TTM) 26.29% |
Management Effectiveness
Return on Assets (TTM) 2.28% | Return on Equity (TTM) 21.21% |
Valuation
Trailing PE 9.96 | Forward PE - | Enterprise Value 1582290176 | Price to Sales(TTM) 2.36 |
Enterprise Value 1582290176 | Price to Sales(TTM) 2.36 | ||
Enterprise Value to Revenue 2.87 | Enterprise Value to EBITDA - | Shares Outstanding 22953600 | Shares Floating 22635012 |
Shares Outstanding 22953600 | Shares Floating 22635012 | ||
Percent Insiders 1.45 | Percent Institutions 97.77 |
Upturn AI SWOT
Meta Financial Group Inc
Company Overview
History and Background
Meta Financial Group, Inc., founded in 1954 as Storm Lake Savings and Loan Association, evolved into a diversified financial services company. It transitioned to a focus on payment solutions and tax services through strategic acquisitions and organic growth.
Core Business Areas
- Payments: Offers a range of payment solutions, including prepaid cards, virtual cards, and ACH processing for various industries like government, payroll, and healthcare.
- Tax Services: Provides tax refund-transfer products and related services to tax preparation firms and their clients.
- Community Banking: Offers traditional banking services, including deposit accounts and loans.
Leadership and Structure
The leadership team includes individuals with experience in financial services, payments technology, and regulatory compliance. Meta operates under a board of directors and executive management structure with distinct responsibilities.
Top Products and Market Share
Key Offerings
- Prepaid Cards: A significant portion of Meta's revenue comes from prepaid cards, used for various purposes including government benefits distribution, payroll, and consumer spending. Market share data varies depending on the specific prepaid segment; overall the prepaid card industry is competitive, with major players like Green Dot and Netspend. Competitors: Green Dot (GDOT), Netspend, PayPal (PYPL).
- Tax Refund-Transfer Products: Facilitates the processing and distribution of tax refunds through partnerships with tax preparation companies. Market share in this segment is sensitive and variable. Competitors: Republic Bank & Trust, EPS Financial.
- MetaBank University: Provides training and resources to partners and clients on compliance, fraud prevention, and payments best practices. Unknown market share. Competitors: Limited direct competitors, but many consulting firms offer similar services.
Market Dynamics
Industry Overview
The financial services industry is constantly evolving, driven by technological advancements, regulatory changes, and shifting consumer preferences. Fintech companies are disrupting traditional banking models, while increasing regulatory scrutiny impacts compliance costs.
Positioning
Meta occupies a niche position by focusing on specialized payment solutions and tax services. Its partnerships and technology-driven approach provide a competitive advantage within these segments.
Total Addressable Market (TAM)
The estimated global payments market in 2024 is approximately $2.2 Trillion. Meta's portion of the TAM is based on revenue compared to the overall TAM. While it is not positioned to control most of the TAM, it focuses on the growing payments market. There is a projected market volume of more than 3 Trillion by 2029.
Upturn SWOT Analysis
Strengths
- Strong partnerships with tax preparers and payment processors
- Specialized expertise in niche financial services
- Technology-driven platform
- Compliance and regulatory expertise
- Diverse revenue streams
Weaknesses
- Reliance on partnerships
- Exposure to regulatory changes
- Potential credit risk associated with lending and payments
- Concentration of revenue in specific segments
- Limited brand recognition compared to larger financial institutions
Opportunities
- Expansion into new payment verticals
- Growth of fintech industry
- Strategic acquisitions
- Increased demand for digital payment solutions
- Partnerships with other fintech companies
Threats
- Increased competition from larger financial institutions and fintech startups
- Changes in tax regulations
- Economic downturn
- Cybersecurity risks
- Regulatory scrutiny
Competitors and Market Share
Key Competitors
- GDOT
- PYPL
- FISV
Competitive Landscape
Meta's competitive advantage lies in its specialized expertise and technology-driven platform. However, larger financial institutions and fintech companies pose a significant threat.
Major Acquisitions
Crestmark Bank
- Year: 2018
- Acquisition Price (USD millions): 275
- Strategic Rationale: Diversification of the banking service offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is driven by acquisitions, partnerships, and increased adoption of payment solutions. Meta's growth has been uneven.
Future Projections: Future growth depends on Meta's ability to execute on its strategic initiatives and capitalize on market opportunities. Analyst estimates vary.
Recent Initiatives: Meta has focused on expanding its payment solutions, strengthening its compliance infrastructure, and pursuing strategic partnerships.
Summary
Meta Financial Group Inc. is a niche player in the financial services industry with a focus on specialized payment solutions and tax services. While its partnerships and technology-driven approach provide a competitive advantage, its reliance on partnerships and exposure to regulatory changes pose challenges. Meta needs to strategically expand into new verticals and manage regulatory risks to sustain growth. Furthermore, the company is positioned well to capitalize on the growing need for innovative payment processing solutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Industry Research Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and do not constitute financial advice. Investment decisions should be based on independent research and consultation with a qualified financial advisor.
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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