NASDAQ$CASH

Meta Financial Group Inc · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Reported net income of $59.1 million, or $1.84 per share, compared to net income of $52.3 million, or $1.45 per share, for the three months ended March 31, 2020.

Meta Financial Group, Inc. reported a solid second quarter with net income of $59.1 million, or $1.84 per share. The company saw increased revenue from Tax Services and Payments businesses, as well as increased interest income from the Commercial Finance business. They also continued to develop their Banking as a Service franchise, including a new partnership with Walgreens.

  • Total revenue for the second quarter was $187.3 million.
  • Net interest income for the second quarter was $73.9 million.
  • Total tax services product revenue was $67.0 million, an increase of 17% compared to the second quarter of fiscal 2020.
  • The Company originated $1.79 billion in refund advance loans compared to $1.33 billion during the 2020 tax season.

Headline financials

Total Revenue

$187M

Previous: $188M-0.5%
EPS (adj)

$1.84

Previous: $0.94+95.7%
Net Interest Margin

3.1%

Previous: 4.8%-35.8%
Nonperforming Assets To Total Assets

0.5%

No prior period
Nonperforming Loans And Leases To Total Loans And Leases

1.2%

No prior period
Capital Expenditures

-$4.25M

Previous: -$4.82M+11.7%
Free Cash Flow

$54.8M

Previous: $47.5M+15.4%
Net Income

$59.1M

Previous: $52.3M+12.9%
Operating Income

$150M

Previous: $151M-0.7%
Gross Profit

$157M

Previous: $151M+4.1%
Cash & Equivalents

$3.72B

Previous: $109M+3325.1%
Total Assets

$9.79B

Previous: $5.84B+67.5%
Stock-Based Comp

$2.55M

Previous: $2.89M-11.9%

Revenue & EPS history

Meta · Revenue · Quarterly

$187M

Q2 2021-0.5%vs Q2 2020
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

Meta · $55.2M total across 5 segments · Q1 2023

  • Card and deposit fees
    $37.7M
  • Rental income
    $12.7M
  • Other income
    $3.56M
  • Refund transfer product fees
    $677K
  • Gain on sale of other
    $502K

Forward guidance

The Company anticipates that participating in the EIP card distribution program will continue to have a slightly positive impact on earnings and it does not expect any material impact on its risk-based capital ratios due to the participation in the card distribution program. Additionally, the Company does not expect these conditions will be sustained over the long-term.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2021

Historical avgQ2 2021

+1.2%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+3.4%

Avg return

30 days after

55%

36 / 65 earnings

Positive

+20.5%

Q4 2020

Best reaction

-18.5%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+0.7%-9.6%-16.0%
Q1 2026+7.1%-3.0%-2.7%
Q4 2025-0.0%-2.2%-2.2%
Q2 2025+6.0%+6.9%+3.8%
Q1 2025-0.6%+2.6%+2.7%
Q4 2024-4.0%-3.7%+13.4%
Q3 2024+4.9%+4.1%+3.1%
Q2 2024+4.3%+1.5%+8.9%
Q1 2024+1.1%+3.0%-2.5%
Q4 2023+7.5%+6.7%+16.1%
Q3 2023-5.8%-7.7%-13.8%
Q2 2023+7.9%+10.1%+15.2%
Q1 2023+7.8%+7.3%+12.2%
Q4 2022+6.6%+5.9%+13.2%
Q3 2022-18.5%-20.2%-18.5%
Q2 2022-2.9%-4.4%-7.5%
Q1 2022-1.5%+3.4%-3.9%
Q4 2021-10.7%-6.5%+0.1%
Q3 2021+3.5%+0.3%+2.7%
Q2 2021+10.3%+8.3%+15.7%
Q1 2021+3.5%+3.7%+16.1%
Q4 2020+20.5%+23.2%+45.7%
Q3 2020+5.5%+0.8%+0.9%
Q2 2020-7.7%+1.9%-1.7%
Q1 2020+1.5%+1.5%-11.3%
Q4 2019-9.6%-9.3%-2.0%
Q3 2019+10.9%+8.8%+12.4%
Q2 2019+14.3%+13.1%+20.7%
Q1 2019+9.0%+6.0%+7.0%
Q4 2018+6.5%+5.6%-4.6%
Q3 2018-5.3%-6.7%-11.0%
Q2 2018-8.2%-9.5%+0.8%
Q1 2018+12.7%+5.5%+4.5%
Q4 2017+4.0%+3.5%+10.7%
Q3 2017-0.9%-23.4%-25.4%
Q2 2017-4.4%-6.0%-2.9%
Q1 2017-15.3%-6.3%-14.0%
Q4 2016+5.9%+5.2%+35.8%
Q3 2016+4.0%+3.6%+11.5%
Q2 2016+7.2%
Q1 2016+15.7%
Q4 2015+3.7%
Q3 2015-0.8%
Q2 2015-4.1%
Q1 2015+3.3%
Q4 2014+0.1%
Q3 2014-3.3%
Q2 2014-4.2%
Q1 2014-3.1%
Q4 2013-5.8%
Q3 2013+7.1%
Q2 2013-1.7%
Q1 2013+1.6%
Q4 2012-2.1%
Q3 2012-3.2%
Q2 2012-0.8%
Q1 2011+12.9%
Q1 2012-5.0%
Q2 2011+6.8%
Q4 2009+6.8%
Q4 2011+6.8%
Q3 2010-13.8%
Q4 2010-13.8%
Q3 2011-13.8%
Q2 2010+12.5%

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