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Side-by-side financial comparison of Arhaus, Inc. (ARHS) and PATHWARD FINANCIAL, INC. (CASH). Click either name above to swap in a different company.
Arhaus, Inc. is the larger business by last-quarter revenue ($364.8M vs $276.3M, roughly 1.3× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs 4.1%, a 22.3% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs 11.2%).
Arhaus, Inc.ARHSEarnings & Financial Report
Arhaus, Inc. is an upscale American home furnishings company headquartered in Boston Heights, Ohio. Founded in 1986 with a focus on sustainability and artisanship in product quality, Arhaus provides a diversified assortment of specialty goods and services addressing omnichannel direct-to-consumer and business-to-business residential and commercial operations.
Pathward Financial, Inc. is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms.
ARHS vs CASH — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $364.8M | $276.3M |
| Net Profit | $15.1M | $72.9M |
| Gross Margin | 38.1% | — |
| Operating Margin | 5.6% | — |
| Net Margin | 4.1% | 26.4% |
| Revenue YoY | 5.1% | — |
| Net Profit YoY | -29.1% | — |
| EPS (diluted) | $0.11 | $3.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $276.3M | ||
| Q4 25 | $364.8M | $173.1M | ||
| Q3 25 | $344.6M | $186.7M | ||
| Q2 25 | $358.4M | $195.8M | ||
| Q1 25 | $311.4M | $274.8M | ||
| Q4 24 | $347.0M | $182.6M | ||
| Q3 24 | $319.1M | $179.5M | ||
| Q2 24 | $309.8M | $188.6M |
| Q1 26 | — | $72.9M | ||
| Q4 25 | $15.1M | $35.2M | ||
| Q3 25 | $12.2M | $38.8M | ||
| Q2 25 | $35.1M | $42.1M | ||
| Q1 25 | $4.9M | $75.0M | ||
| Q4 24 | $21.3M | $30.0M | ||
| Q3 24 | $9.9M | $33.5M | ||
| Q2 24 | $22.2M | $44.9M |
| Q1 26 | — | — | ||
| Q4 25 | 38.1% | — | ||
| Q3 25 | 38.7% | — | ||
| Q2 25 | 41.4% | — | ||
| Q1 25 | 37.1% | — | ||
| Q4 24 | 40.0% | — | ||
| Q3 24 | 38.6% | — | ||
| Q2 24 | 40.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 5.6% | 24.6% | ||
| Q3 25 | 4.8% | 25.9% | ||
| Q2 25 | 13.0% | 24.1% | ||
| Q1 25 | 1.7% | 33.2% | ||
| Q4 24 | 8.2% | 19.8% | ||
| Q3 24 | 3.3% | 20.9% | ||
| Q2 24 | 9.5% | 27.1% |
| Q1 26 | — | 26.4% | ||
| Q4 25 | 4.1% | 20.3% | ||
| Q3 25 | 3.5% | 20.8% | ||
| Q2 25 | 9.8% | 21.5% | ||
| Q1 25 | 1.6% | 27.3% | ||
| Q4 24 | 6.1% | 16.4% | ||
| Q3 24 | 3.1% | 18.7% | ||
| Q2 24 | 7.2% | 23.8% |
| Q1 26 | — | $3.35 | ||
| Q4 25 | $0.11 | $1.57 | ||
| Q3 25 | $0.09 | $1.69 | ||
| Q2 25 | $0.25 | $1.81 | ||
| Q1 25 | $0.03 | $3.14 | ||
| Q4 24 | $0.15 | $1.23 | ||
| Q3 24 | $0.07 | $1.34 | ||
| Q2 24 | $0.16 | $1.78 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $253.4M | $157.6M |
| Total DebtLower is stronger | — | $59.5M |
| Stockholders' EquityBook value | $418.2M | $850.7M |
| Total Assets | $1.4B | $7.1B |
| Debt / EquityLower = less leverage | — | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $157.6M | ||
| Q4 25 | $253.4M | $331.2M | ||
| Q3 25 | $262.2M | $120.6M | ||
| Q2 25 | $234.8M | $258.3M | ||
| Q1 25 | $214.4M | $254.2M | ||
| Q4 24 | $197.5M | $597.4M | ||
| Q3 24 | $177.7M | $158.3M | ||
| Q2 24 | $174.2M | $298.9M |
| Q1 26 | — | $59.5M | ||
| Q4 25 | — | $33.5M | ||
| Q3 25 | — | $33.5M | ||
| Q2 25 | — | $33.4M | ||
| Q1 25 | — | $33.4M | ||
| Q4 24 | — | $33.4M | ||
| Q3 24 | — | $33.4M | ||
| Q2 24 | — | $33.3M |
| Q1 26 | — | $850.7M | ||
| Q4 25 | $418.2M | $854.5M | ||
| Q3 25 | $400.4M | $858.0M | ||
| Q2 25 | $385.6M | $819.0M | ||
| Q1 25 | $348.8M | $814.7M | ||
| Q4 24 | $343.7M | $758.3M | ||
| Q3 24 | $320.6M | $822.5M | ||
| Q2 24 | $309.3M | $748.4M |
| Q1 26 | — | $7.1B | ||
| Q4 25 | $1.4B | $7.6B | ||
| Q3 25 | $1.4B | $7.2B | ||
| Q2 25 | $1.3B | $7.2B | ||
| Q1 25 | $1.3B | $7.0B | ||
| Q4 24 | $1.2B | $7.6B | ||
| Q3 24 | $1.2B | $7.5B | ||
| Q2 24 | $1.2B | $7.5B |
| Q1 26 | — | 0.07× | ||
| Q4 25 | — | 0.04× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.04× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $9.3M | — |
| Free Cash FlowOCF − Capex | $-8.8M | — |
| FCF MarginFCF / Revenue | -2.4% | — |
| Capex IntensityCapex / Revenue | 5.0% | — |
| Cash ConversionOCF / Net Profit | 0.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | $59.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $9.3M | $108.3M | ||
| Q3 25 | $46.1M | $303.7M | ||
| Q2 25 | $34.9M | $30.4M | ||
| Q1 25 | $46.5M | $188.3M | ||
| Q4 24 | $31.7M | $-71.7M | ||
| Q3 24 | $31.1M | $143.1M | ||
| Q2 24 | $47.5M | $113.2M |
| Q1 26 | — | — | ||
| Q4 25 | $-8.8M | $104.1M | ||
| Q3 25 | $28.0M | $300.3M | ||
| Q2 25 | $20.9M | $27.7M | ||
| Q1 25 | $18.9M | $184.7M | ||
| Q4 24 | $13.0M | $-73.8M | ||
| Q3 24 | $4.6M | $138.8M | ||
| Q2 24 | $11.3M | $111.0M |
| Q1 26 | — | — | ||
| Q4 25 | -2.4% | 60.1% | ||
| Q3 25 | 8.1% | 160.9% | ||
| Q2 25 | 5.8% | 14.1% | ||
| Q1 25 | 6.1% | 67.2% | ||
| Q4 24 | 3.7% | -40.4% | ||
| Q3 24 | 1.4% | 77.3% | ||
| Q2 24 | 3.6% | 58.8% |
| Q1 26 | — | — | ||
| Q4 25 | 5.0% | 2.4% | ||
| Q3 25 | 5.3% | 1.8% | ||
| Q2 25 | 3.9% | 1.4% | ||
| Q1 25 | 8.9% | 1.3% | ||
| Q4 24 | 5.4% | 1.1% | ||
| Q3 24 | 8.3% | 2.4% | ||
| Q2 24 | 11.7% | 1.2% |
| Q1 26 | — | — | ||
| Q4 25 | 0.62× | 3.08× | ||
| Q3 25 | 3.77× | 7.83× | ||
| Q2 25 | 1.00× | 0.72× | ||
| Q1 25 | 9.53× | 2.51× | ||
| Q4 24 | 1.49× | -2.39× | ||
| Q3 24 | 3.14× | 4.27× | ||
| Q2 24 | 2.14× | 2.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ARHS
| Sales Channel Retail | $305.7M | 84% |
| Sales Channel E Commerce | $59.2M | 16% |
CASH
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
