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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Forestar Group Inc. (FOR). Click either name above to swap in a different company.
Forestar Group Inc. is the larger business by last-quarter revenue ($273.0M vs $173.1M, roughly 1.6× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs 5.6%, a 14.7% gap on every dollar of revenue. On growth, Forestar Group Inc. posted the faster year-over-year revenue change (9.0% vs -0.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $-157.1M). Over the past eight quarters, Forestar Group Inc.'s revenue compounded faster (-9.6% 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.
Forestar Group Inc. is a residential lot development company based in Arlington, Texas. The company has operations in 51 markets in 21 states and delivered 11,518 residential lots during the twelve-month period ended December 31, 2020. The company is publicly traded on the New York Stock Exchange and in October 2017 became a majority-owned subsidiary of D.R. Horton, Inc., the largest homebuilder by volume in the United States since 2002. The company primarily acquires entitled real estate and...
CASH vs FOR — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $273.0M |
| Net Profit | $35.2M | $15.4M |
| Gross Margin | — | 20.1% |
| Operating Margin | 24.6% | 7.6% |
| Net Margin | 20.3% | 5.6% |
| Revenue YoY | -0.2% | 9.0% |
| Net Profit YoY | 11.9% | -6.7% |
| EPS (diluted) | $1.57 | $0.30 |
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 | $273.0M | ||
| Q3 25 | $186.7M | $670.5M | ||
| Q2 25 | $195.8M | $390.5M | ||
| Q1 25 | $274.8M | $351.0M | ||
| Q4 24 | $182.6M | $250.4M | ||
| Q3 24 | $179.5M | $551.3M | ||
| Q2 24 | $188.6M | $318.4M | ||
| Q1 24 | $257.6M | $333.8M |
| Q4 25 | $35.2M | $15.4M | ||
| Q3 25 | $38.8M | $86.9M | ||
| Q2 25 | $42.1M | $32.9M | ||
| Q1 25 | $75.0M | $31.6M | ||
| Q4 24 | $30.0M | $16.5M | ||
| Q3 24 | $33.5M | $81.5M | ||
| Q2 24 | $44.9M | $38.7M | ||
| Q1 24 | $69.9M | $45.0M |
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
| Q4 25 | 24.6% | 7.6% | ||
| Q3 25 | 25.9% | 16.9% | ||
| Q2 25 | 24.1% | 11.2% | ||
| Q1 25 | 33.2% | 11.6% | ||
| Q4 24 | 19.8% | 8.7% | ||
| Q3 24 | 20.9% | 19.7% | ||
| Q2 24 | 27.1% | 16.2% | ||
| Q1 24 | 33.8% | 17.6% |
| Q4 25 | 20.3% | 5.6% | ||
| Q3 25 | 20.8% | 13.0% | ||
| Q2 25 | 21.5% | 8.4% | ||
| Q1 25 | 27.3% | 9.0% | ||
| Q4 24 | 16.4% | 6.6% | ||
| Q3 24 | 18.7% | 14.8% | ||
| Q2 24 | 23.8% | 12.2% | ||
| Q1 24 | 27.1% | 13.5% |
| Q4 25 | $1.57 | $0.30 | ||
| Q3 25 | $1.69 | $1.70 | ||
| Q2 25 | $1.81 | $0.65 | ||
| Q1 25 | $3.14 | $0.62 | ||
| Q4 24 | $1.23 | $0.32 | ||
| Q3 24 | $1.34 | $1.59 | ||
| Q2 24 | $1.78 | $0.76 | ||
| Q1 24 | $2.74 | $0.89 |
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 | $211.7M |
| Total DebtLower is stronger | $33.5M | $793.2M |
| Stockholders' EquityBook value | $854.5M | $1.8B |
| Total Assets | $7.6B | $3.2B |
| Debt / EquityLower = less leverage | 0.04× | 0.44× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $211.7M | ||
| Q3 25 | $120.6M | $379.2M | ||
| Q2 25 | $258.3M | $189.2M | ||
| Q1 25 | $254.2M | $174.3M | ||
| Q4 24 | $597.4M | $132.0M | ||
| Q3 24 | $158.3M | $481.2M | ||
| Q2 24 | $298.9M | $359.2M | ||
| Q1 24 | $347.9M | $416.2M |
| Q4 25 | $33.5M | $793.2M | ||
| Q3 25 | $33.5M | $802.7M | ||
| Q2 25 | $33.4M | $872.8M | ||
| Q1 25 | $33.4M | $872.5M | ||
| Q4 24 | $33.4M | $806.8M | ||
| Q3 24 | $33.4M | $706.4M | ||
| Q2 24 | $33.3M | $706.1M | ||
| Q1 24 | $33.4M | $705.7M |
| Q4 25 | $854.5M | $1.8B | ||
| Q3 25 | $858.0M | $1.8B | ||
| Q2 25 | $819.0M | $1.7B | ||
| Q1 25 | $814.7M | $1.6B | ||
| Q4 24 | $758.3M | $1.6B | ||
| Q3 24 | $822.5M | $1.6B | ||
| Q2 24 | $748.4M | $1.5B | ||
| Q1 24 | $719.5M | $1.5B |
| Q4 25 | $7.6B | $3.2B | ||
| Q3 25 | $7.2B | $3.1B | ||
| Q2 25 | $7.2B | $3.1B | ||
| Q1 25 | $7.0B | $3.0B | ||
| Q4 24 | $7.6B | $3.0B | ||
| Q3 24 | $7.5B | $2.8B | ||
| Q2 24 | $7.5B | $2.7B | ||
| Q1 24 | $7.4B | $2.6B |
| Q4 25 | 0.04× | 0.44× | ||
| Q3 25 | 0.04× | 0.45× | ||
| Q2 25 | 0.04× | 0.52× | ||
| Q1 25 | 0.04× | 0.53× | ||
| Q4 24 | 0.04× | 0.50× | ||
| Q3 24 | 0.04× | 0.44× | ||
| Q2 24 | 0.04× | 0.47× | ||
| Q1 24 | 0.05× | 0.48× |
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 | $-157.0M |
| Free Cash FlowOCF − Capex | $104.1M | $-157.1M |
| FCF MarginFCF / Revenue | 60.1% | -57.5% |
| Capex IntensityCapex / Revenue | 2.4% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.08× | -10.19× |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $93.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $-157.0M | ||
| Q3 25 | $303.7M | $256.3M | ||
| Q2 25 | $30.4M | $15.8M | ||
| Q1 25 | $188.3M | $-19.8M | ||
| Q4 24 | $-71.7M | $-450.0M | ||
| Q3 24 | $143.1M | $119.2M | ||
| Q2 24 | $113.2M | $-61.7M | ||
| Q1 24 | $203.0M | $-59.2M |
| Q4 25 | $104.1M | $-157.1M | ||
| Q3 25 | $300.3M | $255.6M | ||
| Q2 25 | $27.7M | $15.0M | ||
| Q1 25 | $184.7M | $-20.5M | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | $118.4M | ||
| Q2 24 | $111.0M | $-62.3M | ||
| Q1 24 | $201.3M | $-59.8M |
| Q4 25 | 60.1% | -57.5% | ||
| Q3 25 | 160.9% | 38.1% | ||
| Q2 25 | 14.1% | 3.8% | ||
| Q1 25 | 67.2% | -5.8% | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | 21.5% | ||
| Q2 24 | 58.8% | -19.6% | ||
| Q1 24 | 78.1% | -17.9% |
| Q4 25 | 2.4% | 0.0% | ||
| Q3 25 | 1.8% | 0.1% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.3% | 0.2% | ||
| Q4 24 | 1.1% | 0.0% | ||
| Q3 24 | 2.4% | 0.1% | ||
| Q2 24 | 1.2% | 0.2% | ||
| Q1 24 | 0.7% | 0.2% |
| Q4 25 | 3.08× | -10.19× | ||
| Q3 25 | 7.83× | 2.95× | ||
| Q2 25 | 0.72× | 0.48× | ||
| Q1 25 | 2.51× | -0.63× | ||
| Q4 24 | -2.39× | -27.27× | ||
| Q3 24 | 4.27× | 1.46× | ||
| Q2 24 | 2.52× | -1.59× | ||
| Q1 24 | 2.90× | -1.32× |
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% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
