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CASH

๐Ÿฆ Financial Services

L&G E Fund MSCI China A UCITS ETF

Conservative #69Aggressive #659Low Risk
$90.79-4.31%
Day High$94.24
Day Low$88.47
Volume0.3M
Mkt Cap$2.0B
52W Low $6452W High $96
Market Cap
$2.0B
P/E Ratio
11.2
Sector avg: 26.8
Rev Growth
2.4%
Sector avg: 13.4%
Earnings Growth
1.4%
Profit Margin
26.4%
Sector avg: -2.8%
Debt/Equity
0.04

Why This Score

CASH scores 73.9 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 22.8% exceeds the 15% quality threshold.
  • High net margin of 26.4%, indicating pricing power and operational efficiency.
  • Attractively valued at 11.2x earnings, below the market average.
  • Minimal leverage (D/E 0.04) provides financial flexibility and downside protection.
  • Positive but moderate momentum (20%) โ€” steady appreciation without overheating.
  • High conviction (98/100) โ€” fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 2-point penalty for execution risk.

Minor adjustments (-2.0 points) applied. CASH's rank of #69 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score73.9
Fundamental Score73.6
ML Score65.0

Score by Horizon

3 Month
79.6
6 Month
88.9
Primary
1 Year
93.6

Quality Assessment

B
Quality Grade
Good quality โ€” solid metrics, minor concerns possible
1 quality flag detected โ€” see details below. These penalties are already factored into the final score.
Quality Flags
High accrual ratio (-228.3%) โ€” earnings quality concern

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
51
Neutral
Analyst (6.4%)
72
Favorable
Tradability (post-hoc)
65
Grade B
Base
69.9
SHAP
+2.0
Factors
+0.6
Conviction
+1.4
Final
73.9
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

66AVG
Value80
Quality60
Growth44
Stability82
Investment62

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)72.0
Technical (Momentum, Weinstein, Volatility)78.0
External (Sentiment, Analyst, Macro)56.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+5.6% to +10.8%
Medium-term
+9.3% to +17.3%
Long-term
+14.1% to +25.0%

ML Model Core Features100 trained inputs โ†’ ML Score: 65

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score72.2/100
Target Upside-11.0%
Coverage9 analysts
Market Sentiment
Sentiment Score50.9/100
News Volume1 articles
Technical Stage
Weinstein Stage2 โ€” Advancing
12M Momentum+0.2%
6M Momentum+0.2%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+3.1%
Momentum ConsistencyStrong (0.84)
Relative Strength vs Sector+10.7%
Trend Strength (ADX Proxy)Moderate (2.1)
Momentum Quality+0.168
Momentum BreadthBroad โœ“
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
37%
High risk โ€” cheap + stagnating
Sector RevGr Rank
P45
Revenue growth vs Financial Services peers
Sector PE Rank
P74
Valuation vs Financial Services peers
Sector FCF Rank
P91
Free cash flow vs Financial Services peers
Growth Deviation
-0.0ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged
Value trap warning: This stock scores in the top quartile for value trap risk. The combination of below-sector-median revenue growth, low PE, and high free cash flow yield suggests the market is pricing in stagnation. The ML model's sector-relative features (trained on 30 years of data) reduce this stock's score accordingly.

Analysis Signals

Scoring Factors
Fundamental score of 74 relative to sector peers74/100
Machine learning ensemble ranks this stock at the 65th percentileP65
Blended score: 80% fundamental (74) + 20% ML (65) = 71.971.9
Risk assessment: low. Low vol 0.1%; Drawdown 14% โ†’ 0.0ptLow
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by 0 pointsGrade B
SHAP feature alignment: +2.0pt (features align with model priorities)SHAP
Conviction adj: +1.4pt (conviction=N/A)Conviction
Risk Factors
Quality concern: High accrual ratio (-228.3%) โ€” earnings quality concernFlag
Liquidity penalty: -2.0pt (grade B)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #25 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
CASH73.911.22.4%26.4%$2.0B
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Company Overviewvia FMP

Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, money market savings accounts, and certificate accounts. It 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; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. 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 headquartered in Sioux Falls, South Dakota.

CEO
Brett L. Pharr
Employees
1,155
Beta
0.74
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
43.6
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-5.5%
High: $96.06
From 52W Low
+40.9%
Low: $64.45
Moving Averages
10-Day
$93.50
Below
20-Day
$92.50
Below
50-Day
$82.80
Above
200-Day
$77.30
Above
60-Day Support
$70.38
60-Day Resistance
$96.06
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 โ€” AdvancingScore: 70/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+17.5%
200 SMA Slope (60d)
+2.47%
Rising
Volume Ratio
1.1x
10d avg vs 50d avg
Days in Stage
27
Confidence: 90%

Entry & Exit Zones

Above Entry Zone
$73.48
Stop Entry Now Target
$105.08
Entry Zone
$81.97 โ€“ $85.28
SMA50 pullback zone ($81.97โ€“$85.28)
Exit Target
$102.02
52-week high / +22% target ($102.02)
Stop Level
$75.75
Below SMA200 ($75.75)
Risk / Reward:1 : 2.34Acceptable

Stage 2 uptrend โ€” institutional accumulation phase. SMA50 pullbacks are the highest-probability entry points. Stop below SMA200 preserves capital if trend breaks.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Financial Statementslast 4 quarters via FMP

MetricQ1 2025Q4 2025Q3 2025Q2 2025
Revenue$175M$155M$158M$236M
Gross Profit$170M$160M$148M$195M
Operating Income$43M$48M$47M$91M
Net Income$35M$39M$42M$75M
EPS (Diluted)$1.57$1.69$1.81$3.14
Gross Margin97.1%103.2%93.3%82.6%
Operating Margin24.4%31.1%29.8%38.7%
Net Margin20.1%25.0%26.7%31.8%

Why This Stock

Financial ServicesP/E ratio of 11.2Profit margin 26.4%Valuation below sector median (P/E 11.2)

Tradability FilterGrade B โ€” 65/100Score impact: +8.0pt

Volume
55
253K avg/day
Dollar Vol
82
$23M/day
Float
51
21M shares
Mkt Cap
60
$2.0B
Range
85
49% spread
Composite Liquidity Score65/100
FDCBA

Multi-Year Range Analysis

Sideways: 9/100
YearLowHighRangeStatus
2021$42.92$65.9642.3%Wide
2022$31.16$63.8268.8%Wide
2023$39.75$60.4941.4%Wide
2024$46.68$86.0059.3%Wide
2025$64.45$86.0028.6%Moderate
3-Year Range
73.6%
Narrow Years
1 / 5
Sideways Penalty
None
Free Float
96.0%
Outstanding Shares
22M
Bid-Ask Spread
49.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.