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Upturn stock ratingUpturn stock rating
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Meta Financial Group Inc (CASH)

Upturn stock ratingUpturn stock rating
$75.3
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

08/15/2025: CASH (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$88 Target price
52w Low $62.66
Current$75.3
52w High $85.94

Analysis of Past Performance

Type Stock
Historic Profit -3.57%
Avg. Invested days 40
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/15/2025

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 62.66 - 85.94
Updated Date 08/16/2025
52 Weeks Range 62.66 - 85.94
Updated Date 08/16/2025
Dividends yield (FY) 0.26%
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 1617638656
Price to Sales(TTM) 2.36
Enterprise Value 1617638656
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 96.5

ai summary icon Upturn AI SWOT

Meta Financial Group Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.