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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and VAALCO ENERGY INC (EGY). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($276.3M vs $91.0M, roughly 3.0× VAALCO ENERGY INC). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs -64.4%, a 90.8% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs -4.7%).
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.
VAALCO Energy is a company engaged in hydrocarbon exploration. It is organized in Delaware and headquartered in Houston, Texas with operations primarily in the Etame Marin block offshore Gabon.
CASH vs EGY — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $276.3M | $91.0M |
| Net Profit | $72.9M | $-58.6M |
| Gross Margin | — | — |
| Operating Margin | — | -71.3% |
| Net Margin | 26.4% | -64.4% |
| Revenue YoY | — | -25.2% |
| Net Profit YoY | — | -602.5% |
| EPS (diluted) | $3.35 | $-0.56 |
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 | $91.0M | ||
| Q3 25 | $186.7M | $61.0M | ||
| Q2 25 | $195.8M | $96.9M | ||
| Q1 25 | $274.8M | $110.3M | ||
| Q4 24 | $182.6M | $121.7M | ||
| Q3 24 | $179.5M | $140.3M | ||
| Q2 24 | $188.6M | $116.8M |
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-58.6M | ||
| Q3 25 | $38.8M | $1.1M | ||
| Q2 25 | $42.1M | $8.4M | ||
| Q1 25 | $75.0M | $7.7M | ||
| Q4 24 | $30.0M | $11.7M | ||
| Q3 24 | $33.5M | $11.0M | ||
| Q2 24 | $44.9M | $28.2M |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -71.3% | ||
| Q3 25 | 25.9% | 1.5% | ||
| Q2 25 | 24.1% | 17.7% | ||
| Q1 25 | 33.2% | 23.7% | ||
| Q4 24 | 19.8% | 32.7% | ||
| Q3 24 | 20.9% | 31.4% | ||
| Q2 24 | 27.1% | 17.5% |
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -64.4% | ||
| Q3 25 | 20.8% | 1.8% | ||
| Q2 25 | 21.5% | 8.6% | ||
| Q1 25 | 27.3% | 7.0% | ||
| Q4 24 | 16.4% | 9.6% | ||
| Q3 24 | 18.7% | 7.8% | ||
| Q2 24 | 23.8% | 24.1% |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.56 | ||
| Q3 25 | $1.69 | $0.01 | ||
| Q2 25 | $1.81 | $0.08 | ||
| Q1 25 | $3.14 | $0.07 | ||
| Q4 24 | $1.23 | $0.12 | ||
| Q3 24 | $1.34 | $0.10 | ||
| Q2 24 | $1.78 | $0.27 |
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 | $58.9M |
| Total DebtLower is stronger | $59.5M | $60.0M |
| Stockholders' EquityBook value | $850.7M | $443.5M |
| Total Assets | $7.1B | $913.4M |
| Debt / EquityLower = less leverage | 0.07× | 0.14× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $58.9M | ||
| Q3 25 | $120.6M | $24.0M | ||
| Q2 25 | $258.3M | $67.9M | ||
| Q1 25 | $254.2M | $40.9M | ||
| Q4 24 | $597.4M | $82.7M | ||
| Q3 24 | $158.3M | $89.1M | ||
| Q2 24 | $298.9M | $62.9M |
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $60.0M | ||
| Q3 25 | $33.5M | $60.0M | ||
| Q2 25 | $33.4M | $60.0M | ||
| Q1 25 | $33.4M | $0 | ||
| Q4 24 | $33.4M | $0 | ||
| Q3 24 | $33.4M | $0 | ||
| Q2 24 | $33.3M | $0 |
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $443.5M | ||
| Q3 25 | $858.0M | $505.9M | ||
| Q2 25 | $819.0M | $511.6M | ||
| Q1 25 | $814.7M | $504.1M | ||
| Q4 24 | $758.3M | $501.6M | ||
| Q3 24 | $822.5M | $501.0M | ||
| Q2 24 | $748.4M | $493.6M |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $913.4M | ||
| Q3 25 | $7.2B | $950.4M | ||
| Q2 25 | $7.2B | $964.9M | ||
| Q1 25 | $7.0B | $927.1M | ||
| Q4 24 | $7.6B | $955.0M | ||
| Q3 24 | $7.5B | $937.9M | ||
| Q2 24 | $7.5B | $917.4M |
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.14× | ||
| Q3 25 | 0.04× | 0.12× | ||
| Q2 25 | 0.04× | 0.12× | ||
| Q1 25 | 0.04× | 0.00× | ||
| Q4 24 | 0.04× | 0.00× | ||
| Q3 24 | 0.04× | 0.00× | ||
| Q2 24 | 0.04× | 0.00× |
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 | — | $145.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $145.2M | ||
| Q3 25 | $303.7M | $16.4M | ||
| Q2 25 | $30.4M | $18.3M | ||
| Q1 25 | $188.3M | $32.7M | ||
| Q4 24 | $-71.7M | $44.5M | ||
| Q3 24 | $143.1M | $47.8M | ||
| Q2 24 | $113.2M | $-438.0K |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | $29.7M | ||
| 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% | 26.9% | ||
| 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% | 2.7% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 14.94× | ||
| Q2 25 | 0.72× | 2.19× | ||
| Q1 25 | 2.51× | 4.23× | ||
| Q4 24 | -2.39× | 3.82× | ||
| Q3 24 | 4.27× | 4.35× | ||
| Q2 24 | 2.52× | -0.02× |
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% |
EGY
| Crude Oil Sales And Purchase Agreements | $54.8M | 60% |
| Other | $31.9M | 35% |
| Crude Oil | $3.0M | 3% |
| Natural Gas Liquids Reserves | $1.4M | 2% |
