vs
Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Climb Global Solutions, Inc. (CLMB). Click either name above to swap in a different company.
Climb Global Solutions, Inc. is the larger business by last-quarter revenue ($182.4M vs $173.1M, roughly 1.1× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs 1.8%, a 18.5% gap on every dollar of revenue. On growth, Climb Global Solutions, Inc. posted the faster year-over-year revenue change (32.1% vs -0.2%). Over the past eight quarters, Climb Global Solutions, Inc.'s revenue compounded faster (40.7% CAGR vs -18.0%).
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.
Univar Solutions Inc. is a global chemical and ingredients distributor and provider of value-added services.
CASH vs CLMB — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $182.4M |
| Net Profit | $35.2M | $3.3M |
| Gross Margin | — | 14.5% |
| Operating Margin | 24.6% | 2.1% |
| Net Margin | 20.3% | 1.8% |
| Revenue YoY | -0.2% | 32.1% |
| Net Profit YoY | 11.9% | -9.5% |
| EPS (diluted) | $1.57 | $0.18 |
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 | — | $182.4M | ||
| Q4 25 | $173.1M | $193.8M | ||
| Q3 25 | $186.7M | $161.3M | ||
| Q2 25 | $195.8M | $159.3M | ||
| Q1 25 | $274.8M | $138.0M | ||
| Q4 24 | $182.6M | $161.8M | ||
| Q3 24 | $179.5M | $119.3M | ||
| Q2 24 | $188.6M | $92.1M |
| Q1 26 | — | $3.3M | ||
| Q4 25 | $35.2M | $7.0M | ||
| Q3 25 | $38.8M | $4.7M | ||
| Q2 25 | $42.1M | $6.0M | ||
| Q1 25 | $75.0M | $3.7M | ||
| Q4 24 | $30.0M | $7.0M | ||
| Q3 24 | $33.5M | $5.5M | ||
| Q2 24 | $44.9M | $3.4M |
| Q1 26 | — | 14.5% | ||
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.9% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 16.9% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 20.2% |
| Q1 26 | — | 2.1% | ||
| Q4 25 | 24.6% | 4.9% | ||
| Q3 25 | 25.9% | 4.3% | ||
| Q2 25 | 24.1% | 5.0% | ||
| Q1 25 | 33.2% | 3.5% | ||
| Q4 24 | 19.8% | 7.2% | ||
| Q3 24 | 20.9% | 7.1% | ||
| Q2 24 | 27.1% | 4.6% |
| Q1 26 | — | 1.8% | ||
| Q4 25 | 20.3% | 3.6% | ||
| Q3 25 | 20.8% | 2.9% | ||
| Q2 25 | 21.5% | 3.7% | ||
| Q1 25 | 27.3% | 2.7% | ||
| Q4 24 | 16.4% | 4.3% | ||
| Q3 24 | 18.7% | 4.6% | ||
| Q2 24 | 23.8% | 3.7% |
| Q1 26 | — | $0.18 | ||
| Q4 25 | $1.57 | $1.51 | ||
| Q3 25 | $1.69 | $1.02 | ||
| Q2 25 | $1.81 | $1.30 | ||
| Q1 25 | $3.14 | $0.81 | ||
| Q4 24 | $1.23 | $1.52 | ||
| Q3 24 | $1.34 | $1.19 | ||
| Q2 24 | $1.78 | $0.75 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $331.2M | $41.8M |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $118.4M |
| Total Assets | $7.6B | $458.8M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $41.8M | ||
| Q4 25 | $331.2M | $36.6M | ||
| Q3 25 | $120.6M | $49.8M | ||
| Q2 25 | $258.3M | $28.6M | ||
| Q1 25 | $254.2M | $32.5M | ||
| Q4 24 | $597.4M | $29.8M | ||
| Q3 24 | $158.3M | $22.1M | ||
| Q2 24 | $298.9M | $48.4M |
| Q1 26 | — | — | ||
| 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 | — | $118.4M | ||
| Q4 25 | $854.5M | $116.6M | ||
| Q3 25 | $858.0M | $109.3M | ||
| Q2 25 | $819.0M | $105.2M | ||
| Q1 25 | $814.7M | $95.6M | ||
| Q4 24 | $758.3M | $90.6M | ||
| Q3 24 | $822.5M | $87.7M | ||
| Q2 24 | $748.4M | $79.8M |
| Q1 26 | — | $458.8M | ||
| Q4 25 | $7.6B | $460.2M | ||
| Q3 25 | $7.2B | $376.1M | ||
| Q2 25 | $7.2B | $420.7M | ||
| Q1 25 | $7.0B | $370.1M | ||
| Q4 24 | $7.6B | $469.2M | ||
| Q3 24 | $7.5B | $371.9M | ||
| Q2 24 | $7.5B | $302.8M |
| Q1 26 | — | — | ||
| 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 | $108.3M | — |
| Free Cash FlowOCF − Capex | $104.1M | — |
| FCF MarginFCF / Revenue | 60.1% | — |
| Capex IntensityCapex / Revenue | 2.4% | — |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-11.9M | ||
| Q3 25 | $303.7M | $22.2M | ||
| Q2 25 | $30.4M | $-2.2M | ||
| Q1 25 | $188.3M | $8.5M | ||
| Q4 24 | $-71.7M | $16.0M | ||
| Q3 24 | $143.1M | $-3.6M | ||
| Q2 24 | $113.2M | $7.3M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | — |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -1.70× | ||
| Q3 25 | 7.83× | 4.73× | ||
| Q2 25 | 0.72× | -0.37× | ||
| Q1 25 | 2.51× | 2.30× | ||
| Q4 24 | -2.39× | 2.29× | ||
| Q3 24 | 4.27× | -0.66× | ||
| Q2 24 | 2.52× | 2.13× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CASH
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
CLMB
Segment breakdown not available.
