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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and AMERICAS CARMART INC (CRMT). Click either name above to swap in a different company.
AMERICAS CARMART INC is the larger business by last-quarter revenue ($286.3M vs $276.3M, roughly 1.0× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs -7.8%, a 34.2% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs 9.1%).
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.
Americas CarMart Inc is a US-based specialty automotive retailer that primarily sells used vehicles and provides tailored in-house financing solutions for customers with limited or poor credit histories. It operates a network of physical dealerships concentrated in the Southern and Midwestern regions of the United States, serving underserved consumer segments in the automotive purchase market.
CASH vs CRMT — Head-to-Head
Income Statement — Q2 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $276.3M | $286.3M |
| Net Profit | $72.9M | $-22.5M |
| Gross Margin | — | 37.5% |
| Operating Margin | — | -9.6% |
| Net Margin | 26.4% | -7.8% |
| Revenue YoY | — | 0.2% |
| Net Profit YoY | — | -540.7% |
| EPS (diluted) | $3.35 | $-2.71 |
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 | $173.1M | $286.3M | ||
| Q3 25 | $186.7M | $276.2M | ||
| Q2 25 | $195.8M | $309.7M | ||
| Q1 25 | $274.8M | $263.5M | ||
| Q4 24 | $182.6M | $285.8M | ||
| Q3 24 | $179.5M | $287.2M | ||
| Q2 24 | $188.6M | $309.7M |
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-22.5M | ||
| Q3 25 | $38.8M | $-5.7M | ||
| Q2 25 | $42.1M | $10.6M | ||
| Q1 25 | $75.0M | $3.2M | ||
| Q4 24 | $30.0M | $5.1M | ||
| Q3 24 | $33.5M | $-964.0K | ||
| Q2 24 | $44.9M | $426.0K |
| Q1 26 | — | — | ||
| Q4 25 | — | 37.5% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 36.4% | ||
| Q1 25 | — | 35.7% | ||
| Q4 24 | — | 39.4% | ||
| Q3 24 | — | 35.0% | ||
| Q2 24 | — | 35.1% |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -9.6% | ||
| Q3 25 | 25.9% | -2.7% | ||
| Q2 25 | 24.1% | 4.0% | ||
| Q1 25 | 33.2% | 1.7% | ||
| Q4 24 | 19.8% | 2.5% | ||
| Q3 24 | 20.9% | -0.4% | ||
| Q2 24 | 27.1% | — |
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -7.8% | ||
| Q3 25 | 20.8% | -2.1% | ||
| Q2 25 | 21.5% | 3.4% | ||
| Q1 25 | 27.3% | 1.2% | ||
| Q4 24 | 16.4% | 1.8% | ||
| Q3 24 | 18.7% | -0.3% | ||
| Q2 24 | 23.8% | 0.1% |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-2.71 | ||
| Q3 25 | $1.69 | $-0.69 | ||
| Q2 25 | $1.81 | $1.50 | ||
| Q1 25 | $3.14 | $0.37 | ||
| Q4 24 | $1.23 | $0.61 | ||
| Q3 24 | $1.34 | $-0.15 | ||
| Q2 24 | $1.78 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $157.6M | $122.4M |
| Total DebtLower is stronger | $59.5M | — |
| Stockholders' EquityBook value | $850.7M | $555.0M |
| Total Assets | $7.1B | $1.7B |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $122.4M | ||
| Q3 25 | $120.6M | $9.7M | ||
| Q2 25 | $258.3M | $9.8M | ||
| Q1 25 | $254.2M | $8.5M | ||
| Q4 24 | $597.4M | $8.0M | ||
| Q3 24 | $158.3M | $4.7M | ||
| Q2 24 | $298.9M | $5.5M |
| 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 | $854.5M | $555.0M | ||
| Q3 25 | $858.0M | $564.8M | ||
| Q2 25 | $819.0M | $569.4M | ||
| Q1 25 | $814.7M | $557.8M | ||
| Q4 24 | $758.3M | $553.6M | ||
| Q3 24 | $822.5M | $471.1M | ||
| Q2 24 | $748.4M | $470.6M |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.7B | ||
| Q3 25 | $7.2B | $1.6B | ||
| Q2 25 | $7.2B | $1.6B | ||
| Q1 25 | $7.0B | $1.6B | ||
| Q4 24 | $7.6B | $1.6B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.5B |
| 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 | — | $9.1M |
| Free Cash FlowOCF − Capex | — | $8.3M |
| FCF MarginFCF / Revenue | — | 2.9% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-11.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $9.1M | ||
| Q3 25 | $303.7M | $-5.9M | ||
| Q2 25 | $30.4M | $19.2M | ||
| Q1 25 | $188.3M | $-30.8M | ||
| Q4 24 | $-71.7M | $-22.2M | ||
| Q3 24 | $143.1M | $-15.0M | ||
| Q2 24 | $113.2M | $-10.7M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $8.3M | ||
| Q3 25 | $300.3M | $-6.4M | ||
| Q2 25 | $27.7M | $18.4M | ||
| Q1 25 | $184.7M | $-31.5M | ||
| Q4 24 | $-73.8M | $-23.6M | ||
| Q3 24 | $138.8M | $-16.0M | ||
| Q2 24 | $111.0M | $-12.0M |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 2.9% | ||
| Q3 25 | 160.9% | -2.3% | ||
| Q2 25 | 14.1% | 5.9% | ||
| Q1 25 | 67.2% | -12.0% | ||
| Q4 24 | -40.4% | -8.3% | ||
| Q3 24 | 77.3% | -5.6% | ||
| Q2 24 | 58.8% | -3.9% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.3% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 1.4% | 0.3% | ||
| Q1 25 | 1.3% | 0.3% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 0.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 1.81× | ||
| Q1 25 | 2.51× | -9.73× | ||
| Q4 24 | -2.39× | -4.36× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | -25.18× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CASH
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
CRMT
| Sales Used Autos | $241.4M | 84% |
| Service Contract Sales | $23.6M | 8% |
| Wholesales Third Party | $12.6M | 4% |
| Payment Protection Plan Revenue | $8.7M | 3% |
