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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and ESCO TECHNOLOGIES INC (ESE). Click either name above to swap in a different company.
ESCO TECHNOLOGIES INC is the larger business by last-quarter revenue ($289.7M vs $173.1M, roughly 1.7× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs 9.9%, a 10.4% gap on every dollar of revenue. On growth, ESCO TECHNOLOGIES INC posted the faster year-over-year revenue change (17.3% vs -0.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $63.0M). Over the past eight quarters, ESCO TECHNOLOGIES INC's revenue compounded faster (7.8% 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.
Esco is a Singaporean brand that develops, manufactures, and sells products and services for laboratories.
CASH vs ESE — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $289.7M |
| Net Profit | $35.2M | $28.7M |
| Gross Margin | — | 41.4% |
| Operating Margin | 24.6% | 13.2% |
| Net Margin | 20.3% | 9.9% |
| Revenue YoY | -0.2% | 17.3% |
| Net Profit YoY | 11.9% | 22.2% |
| EPS (diluted) | $1.57 | $1.11 |
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 | $289.7M | ||
| Q3 25 | $186.7M | $286.5M | ||
| Q2 25 | $195.8M | $296.3M | ||
| Q1 25 | $274.8M | $265.5M | ||
| Q4 24 | $182.6M | $247.0M | ||
| Q3 24 | $179.5M | $298.5M | ||
| Q2 24 | $188.6M | $260.8M | ||
| Q1 24 | $257.6M | $249.1M |
| Q4 25 | $35.2M | $28.7M | ||
| Q3 25 | $38.8M | $218.7M | ||
| Q2 25 | $42.1M | $26.1M | ||
| Q1 25 | $75.0M | $31.0M | ||
| Q4 24 | $30.0M | $23.5M | ||
| Q3 24 | $33.5M | $34.3M | ||
| Q2 24 | $44.9M | $29.2M | ||
| Q1 24 | $69.9M | $23.2M |
| Q4 25 | — | 41.4% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 41.2% | ||
| Q1 25 | — | 41.1% | ||
| Q4 24 | — | 39.8% | ||
| Q3 24 | — | 40.1% | ||
| Q2 24 | — | 39.6% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | 24.6% | 13.2% | ||
| Q3 25 | 25.9% | 17.2% | ||
| Q2 25 | 24.1% | 11.2% | ||
| Q1 25 | 33.2% | 15.3% | ||
| Q4 24 | 19.8% | 11.4% | ||
| Q3 24 | 20.9% | 14.8% | ||
| Q2 24 | 27.1% | 14.3% | ||
| Q1 24 | 33.8% | 11.7% |
| Q4 25 | 20.3% | 9.9% | ||
| Q3 25 | 20.8% | 76.3% | ||
| Q2 25 | 21.5% | 8.8% | ||
| Q1 25 | 27.3% | 11.7% | ||
| Q4 24 | 16.4% | 9.5% | ||
| Q3 24 | 18.7% | 11.5% | ||
| Q2 24 | 23.8% | 11.2% | ||
| Q1 24 | 27.1% | 9.3% |
| Q4 25 | $1.57 | $1.11 | ||
| Q3 25 | $1.69 | $8.43 | ||
| Q2 25 | $1.81 | $1.01 | ||
| Q1 25 | $3.14 | $1.20 | ||
| Q4 24 | $1.23 | $0.91 | ||
| Q3 24 | $1.34 | $1.32 | ||
| Q2 24 | $1.78 | $1.13 | ||
| Q1 24 | $2.74 | $0.90 |
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 | $103.8M |
| Total DebtLower is stronger | $33.5M | $145.5M |
| Stockholders' EquityBook value | $854.5M | $1.6B |
| Total Assets | $7.6B | $2.4B |
| Debt / EquityLower = less leverage | 0.04× | 0.09× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $103.8M | ||
| Q3 25 | $120.6M | $101.3M | ||
| Q2 25 | $258.3M | $78.7M | ||
| Q1 25 | $254.2M | $57.4M | ||
| Q4 24 | $597.4M | $71.3M | ||
| Q3 24 | $158.3M | $66.0M | ||
| Q2 24 | $298.9M | $63.0M | ||
| Q1 24 | $347.9M | $59.4M |
| Q4 25 | $33.5M | $145.5M | ||
| Q3 25 | $33.5M | $186.0M | ||
| Q2 25 | $33.4M | $525.0M | ||
| Q1 25 | $33.4M | $88.0M | ||
| Q4 24 | $33.4M | $112.0M | ||
| Q3 24 | $33.4M | $122.0M | ||
| Q2 24 | $33.3M | $173.0M | ||
| Q1 24 | $33.4M | $191.0M |
| Q4 25 | $854.5M | $1.6B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $819.0M | $1.3B | ||
| Q1 25 | $814.7M | $1.3B | ||
| Q4 24 | $758.3M | $1.2B | ||
| Q3 24 | $822.5M | $1.2B | ||
| Q2 24 | $748.4M | $1.2B | ||
| Q1 24 | $719.5M | $1.2B |
| Q4 25 | $7.6B | $2.4B | ||
| Q3 25 | $7.2B | $2.4B | ||
| Q2 25 | $7.2B | $2.5B | ||
| Q1 25 | $7.0B | $1.8B | ||
| Q4 24 | $7.6B | $1.8B | ||
| Q3 24 | $7.5B | $1.8B | ||
| Q2 24 | $7.5B | $1.8B | ||
| Q1 24 | $7.4B | $1.8B |
| Q4 25 | 0.04× | 0.09× | ||
| Q3 25 | 0.04× | 0.12× | ||
| Q2 25 | 0.04× | 0.40× | ||
| Q1 25 | 0.04× | 0.07× | ||
| Q4 24 | 0.04× | 0.09× | ||
| Q3 24 | 0.04× | 0.10× | ||
| Q2 24 | 0.04× | 0.14× | ||
| Q1 24 | 0.05× | 0.16× |
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 | $68.9M |
| Free Cash FlowOCF − Capex | $104.1M | $63.0M |
| FCF MarginFCF / Revenue | 60.1% | 21.7% |
| Capex IntensityCapex / Revenue | 2.4% | 2.0% |
| Cash ConversionOCF / Net Profit | 3.08× | 2.40× |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $239.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $68.9M | ||
| Q3 25 | $303.7M | $109.9M | ||
| Q2 25 | $30.4M | $73.7M | ||
| Q1 25 | $188.3M | $24.1M | ||
| Q4 24 | $-71.7M | $34.2M | ||
| Q3 24 | $143.1M | $72.1M | ||
| Q2 24 | $113.2M | $36.2M | ||
| Q1 24 | $203.0M | $10.5M |
| Q4 25 | $104.1M | $63.0M | ||
| Q3 25 | $300.3M | $97.8M | ||
| Q2 25 | $27.7M | $64.9M | ||
| Q1 25 | $184.7M | $14.0M | ||
| Q4 24 | $-73.8M | $29.0M | ||
| Q3 24 | $138.8M | $60.9M | ||
| Q2 24 | $111.0M | $27.6M | ||
| Q1 24 | $201.3M | $2.0M |
| Q4 25 | 60.1% | 21.7% | ||
| Q3 25 | 160.9% | 34.1% | ||
| Q2 25 | 14.1% | 21.9% | ||
| Q1 25 | 67.2% | 5.3% | ||
| Q4 24 | -40.4% | 11.7% | ||
| Q3 24 | 77.3% | 20.4% | ||
| Q2 24 | 58.8% | 10.6% | ||
| Q1 24 | 78.1% | 0.8% |
| Q4 25 | 2.4% | 2.0% | ||
| Q3 25 | 1.8% | 4.2% | ||
| Q2 25 | 1.4% | 3.0% | ||
| Q1 25 | 1.3% | 3.8% | ||
| Q4 24 | 1.1% | 2.1% | ||
| Q3 24 | 2.4% | 3.8% | ||
| Q2 24 | 1.2% | 3.3% | ||
| Q1 24 | 0.7% | 3.4% |
| Q4 25 | 3.08× | 2.40× | ||
| Q3 25 | 7.83× | 0.50× | ||
| Q2 25 | 0.72× | 2.83× | ||
| Q1 25 | 2.51× | 0.78× | ||
| Q4 24 | -2.39× | 1.46× | ||
| Q3 24 | 4.27× | 2.10× | ||
| Q2 24 | 2.52× | 1.24× | ||
| Q1 24 | 2.90× | 0.45× |
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% |
ESE
| US Government | $98.0M | 34% |
| Utility Solutions Group | $87.5M | 30% |
| RF Shielding And Test | $58.3M | 20% |
| Commercial | $45.8M | 16% |
| Related Party | $1.3M | 0% |
