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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Commercial Vehicle Group, Inc. (CVGI). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($173.1M vs $154.8M, roughly 1.1× Commercial Vehicle Group, Inc.). On growth, PATHWARD FINANCIAL, INC. posted the faster year-over-year revenue change (-0.2% vs -5.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $8.7M). Over the past eight quarters, Commercial Vehicle Group, Inc.'s revenue compounded faster (-10.8% 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.
WABCO Holdings, Inc. was a U.S.-based provider of electronic braking, stability, suspension and transmission automation systems for heavy-duty commercial vehicles. In 2007, the Vehicle Control Systems was spun off as WABCO Holdings Inc., an American provider of electronic braking, stability, suspension and transmission automation systems for heavy-duty commercial vehicles. Their products are present in many commercial vehicles such as trucks, buses, trailers and off-highway vehicles but they ...
CASH vs CVGI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $154.8M |
| Net Profit | $35.2M | — |
| Gross Margin | — | 9.7% |
| Operating Margin | 24.6% | -1.2% |
| Net Margin | 20.3% | — |
| Revenue YoY | -0.2% | -5.2% |
| Net Profit YoY | 11.9% | — |
| EPS (diluted) | $1.57 | — |
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.
| Q4 25 | $173.1M | $154.8M | ||
| Q3 25 | $186.7M | $152.5M | ||
| Q2 25 | $195.8M | $172.0M | ||
| Q1 25 | $274.8M | $169.8M | ||
| Q4 24 | $182.6M | $163.3M | ||
| Q3 24 | $179.5M | $171.8M | ||
| Q2 24 | $188.6M | $193.7M | ||
| Q1 24 | $257.6M | $194.6M |
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-7.1M | ||
| Q2 25 | $42.1M | $-4.8M | ||
| Q1 25 | $75.0M | $-4.3M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $9.5M | ||
| Q2 24 | $44.9M | $-1.6M | ||
| Q1 24 | $69.9M | $2.9M |
| Q4 25 | — | 9.7% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 11.4% | ||
| Q1 25 | — | 10.5% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 9.6% | ||
| Q2 24 | — | 10.6% | ||
| Q1 24 | — | 11.9% |
| Q4 25 | 24.6% | -1.2% | ||
| Q3 25 | 25.9% | -0.7% | ||
| Q2 25 | 24.1% | 0.5% | ||
| Q1 25 | 33.2% | 0.8% | ||
| Q4 24 | 19.8% | -3.2% | ||
| Q3 24 | 20.9% | -0.6% | ||
| Q2 24 | 27.1% | 0.5% | ||
| Q1 24 | 33.8% | 2.3% |
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -4.6% | ||
| Q2 25 | 21.5% | -2.8% | ||
| Q1 25 | 27.3% | -2.5% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 5.5% | ||
| Q2 24 | 23.8% | -0.8% | ||
| Q1 24 | 27.1% | 1.5% |
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | $-0.05 | ||
| Q1 24 | $2.74 | $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 | $331.2M | — |
| Total DebtLower is stronger | $33.5M | $104.9M |
| Stockholders' EquityBook value | $854.5M | $133.4M |
| Total Assets | $7.6B | $391.7M |
| Debt / EquityLower = less leverage | 0.04× | 0.79× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — | ||
| Q1 24 | $347.9M | — |
| Q4 25 | $33.5M | $104.9M | ||
| Q3 25 | $33.5M | $108.2M | ||
| Q2 25 | $33.4M | $118.2M | ||
| Q1 25 | $33.4M | $117.4M | ||
| Q4 24 | $33.4M | $135.5M | ||
| Q3 24 | $33.4M | $128.8M | ||
| Q2 24 | $33.3M | $142.0M | ||
| Q1 24 | $33.4M | $155.7M |
| Q4 25 | $854.5M | $133.4M | ||
| Q3 25 | $858.0M | $136.5M | ||
| Q2 25 | $819.0M | $142.6M | ||
| Q1 25 | $814.7M | $136.7M | ||
| Q4 24 | $758.3M | $135.6M | ||
| Q3 24 | $822.5M | $179.3M | ||
| Q2 24 | $748.4M | $169.6M | ||
| Q1 24 | $719.5M | $175.5M |
| Q4 25 | $7.6B | $391.7M | ||
| Q3 25 | $7.2B | $400.3M | ||
| Q2 25 | $7.2B | $429.8M | ||
| Q1 25 | $7.0B | $419.8M | ||
| Q4 24 | $7.6B | $424.6M | ||
| Q3 24 | $7.5B | $495.3M | ||
| Q2 24 | $7.5B | $503.2M | ||
| Q1 24 | $7.4B | $509.2M |
| Q4 25 | 0.04× | 0.79× | ||
| Q3 25 | 0.04× | 0.79× | ||
| Q2 25 | 0.04× | 0.83× | ||
| Q1 25 | 0.04× | 0.86× | ||
| Q4 24 | 0.04× | 1.00× | ||
| Q3 24 | 0.04× | 0.72× | ||
| Q2 24 | 0.04× | 0.84× | ||
| Q1 24 | 0.05× | 0.89× |
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 | $12.3M |
| Free Cash FlowOCF − Capex | $104.1M | $8.7M |
| FCF MarginFCF / Revenue | 60.1% | 5.6% |
| Capex IntensityCapex / Revenue | 2.4% | 2.3% |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $34.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $12.3M | ||
| Q3 25 | $303.7M | $-1.7M | ||
| Q2 25 | $30.4M | $18.9M | ||
| Q1 25 | $188.3M | $15.2M | ||
| Q4 24 | $-71.7M | $-26.6M | ||
| Q3 24 | $143.1M | $-17.1M | ||
| Q2 24 | $113.2M | $12.6M | ||
| Q1 24 | $203.0M | $-2.4M |
| Q4 25 | $104.1M | $8.7M | ||
| Q3 25 | $300.3M | $-3.5M | ||
| Q2 25 | $27.7M | $17.4M | ||
| Q1 25 | $184.7M | $11.4M | ||
| Q4 24 | $-73.8M | $-30.6M | ||
| Q3 24 | $138.8M | $-20.3M | ||
| Q2 24 | $111.0M | $6.4M | ||
| Q1 24 | $201.3M | $-7.4M |
| Q4 25 | 60.1% | 5.6% | ||
| Q3 25 | 160.9% | -2.3% | ||
| Q2 25 | 14.1% | 10.1% | ||
| Q1 25 | 67.2% | 6.7% | ||
| Q4 24 | -40.4% | -18.7% | ||
| Q3 24 | 77.3% | -11.8% | ||
| Q2 24 | 58.8% | 3.3% | ||
| Q1 24 | 78.1% | -3.8% |
| Q4 25 | 2.4% | 2.3% | ||
| Q3 25 | 1.8% | 1.2% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 1.1% | 2.4% | ||
| Q3 24 | 2.4% | 1.9% | ||
| Q2 24 | 1.2% | 3.2% | ||
| Q1 24 | 0.7% | 2.6% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | -1.79× | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | -0.80× |
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% |
CVGI
| Global Seating | $70.7M | 46% |
| Global Electrical Systems | $49.7M | 32% |
| Trim Systems And Components | $34.4M | 22% |
