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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and GRID DYNAMICS HOLDINGS, INC. (GDYN). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($173.1M vs $104.1M, roughly 1.7× GRID DYNAMICS HOLDINGS, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs -1.4%, a 21.7% gap on every dollar of revenue. On growth, GRID DYNAMICS HOLDINGS, INC. posted the faster year-over-year revenue change (3.7% vs -0.2%). Over the past eight quarters, GRID DYNAMICS HOLDINGS, INC.'s revenue compounded faster (12.0% 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.
Escape Dynamics, Inc. was a Colorado-based technology company that operated 2010–2015 focused on bringing to market single-stage-to-orbit reusable electromagnetically powered spaceplanes.
CASH vs GDYN — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $104.1M |
| Net Profit | $35.2M | $-1.5M |
| Gross Margin | — | 34.8% |
| Operating Margin | 24.6% | 61.7% |
| Net Margin | 20.3% | -1.4% |
| Revenue YoY | -0.2% | 3.7% |
| Net Profit YoY | 11.9% | -150.6% |
| EPS (diluted) | $1.57 | $-0.02 |
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 | — | $104.1M | ||
| Q4 25 | $173.1M | $106.2M | ||
| Q3 25 | $186.7M | $104.2M | ||
| Q2 25 | $195.8M | $101.1M | ||
| Q1 25 | $274.8M | $100.4M | ||
| Q4 24 | $182.6M | $100.3M | ||
| Q3 24 | $179.5M | $87.4M | ||
| Q2 24 | $188.6M | $83.0M |
| Q1 26 | — | $-1.5M | ||
| Q4 25 | $35.2M | $306.0K | ||
| Q3 25 | $38.8M | $1.2M | ||
| Q2 25 | $42.1M | $5.3M | ||
| Q1 25 | $75.0M | $2.9M | ||
| Q4 24 | $30.0M | $4.5M | ||
| Q3 24 | $33.5M | $4.3M | ||
| Q2 24 | $44.9M | $-817.0K |
| Q1 26 | — | 34.8% | ||
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 33.3% | ||
| Q2 25 | — | 34.1% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 36.9% | ||
| Q3 24 | — | 37.4% | ||
| Q2 24 | — | 35.6% |
| Q1 26 | — | 61.7% | ||
| Q4 25 | 24.6% | 0.5% | ||
| Q3 25 | 25.9% | -0.2% | ||
| Q2 25 | 24.1% | -0.1% | ||
| Q1 25 | 33.2% | -2.0% | ||
| Q4 24 | 19.8% | 1.3% | ||
| Q3 24 | 20.9% | 2.4% | ||
| Q2 24 | 27.1% | 0.0% |
| Q1 26 | — | -1.4% | ||
| Q4 25 | 20.3% | 0.3% | ||
| Q3 25 | 20.8% | 1.1% | ||
| Q2 25 | 21.5% | 5.2% | ||
| Q1 25 | 27.3% | 2.9% | ||
| Q4 24 | 16.4% | 4.5% | ||
| Q3 24 | 18.7% | 4.9% | ||
| Q2 24 | 23.8% | -1.0% |
| Q1 26 | — | $-0.02 | ||
| Q4 25 | $1.57 | $0.01 | ||
| Q3 25 | $1.69 | $0.01 | ||
| Q2 25 | $1.81 | $0.06 | ||
| Q1 25 | $3.14 | $0.03 | ||
| Q4 24 | $1.23 | $0.06 | ||
| Q3 24 | $1.34 | $0.05 | ||
| Q2 24 | $1.78 | $-0.01 |
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 | $327.5M |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $530.1M |
| Total Assets | $7.6B | $605.0M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $327.5M | ||
| Q4 25 | $331.2M | $342.1M | ||
| Q3 25 | $120.6M | $338.6M | ||
| Q2 25 | $258.3M | $336.8M | ||
| Q1 25 | $254.2M | $325.5M | ||
| Q4 24 | $597.4M | $334.7M | ||
| Q3 24 | $158.3M | $231.3M | ||
| Q2 24 | $298.9M | $256.0M |
| Q1 26 | — | — | ||
| 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 | — | $530.1M | ||
| Q4 25 | $854.5M | $542.1M | ||
| Q3 25 | $858.0M | $537.7M | ||
| Q2 25 | $819.0M | $532.2M | ||
| Q1 25 | $814.7M | $517.4M | ||
| Q4 24 | $758.3M | $517.8M | ||
| Q3 24 | $822.5M | $400.2M | ||
| Q2 24 | $748.4M | $388.4M |
| Q1 26 | — | $605.0M | ||
| Q4 25 | $7.6B | $612.9M | ||
| Q3 25 | $7.2B | $613.2M | ||
| Q2 25 | $7.2B | $608.9M | ||
| Q1 25 | $7.0B | $590.9M | ||
| Q4 24 | $7.6B | $592.2M | ||
| Q3 24 | $7.5B | $477.3M | ||
| Q2 24 | $7.5B | $443.6M |
| Q1 26 | — | — | ||
| 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 | $108.3M | — |
| Free Cash FlowOCF − Capex | $104.1M | — |
| FCF MarginFCF / Revenue | 60.1% | — |
| Capex IntensityCapex / Revenue | 2.4% | — |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $9.9M | ||
| Q3 25 | $303.7M | $7.0M | ||
| Q2 25 | $30.4M | $14.4M | ||
| Q1 25 | $188.3M | $9.4M | ||
| Q4 24 | $-71.7M | $7.1M | ||
| Q3 24 | $143.1M | $9.2M | ||
| Q2 24 | $113.2M | $10.7M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $6.1M | ||
| Q3 25 | $300.3M | $2.9M | ||
| Q2 25 | $27.7M | $10.2M | ||
| Q1 25 | $184.7M | $6.0M | ||
| Q4 24 | $-73.8M | $4.4M | ||
| Q3 24 | $138.8M | $5.9M | ||
| Q2 24 | $111.0M | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 5.7% | ||
| Q3 25 | 160.9% | 2.8% | ||
| Q2 25 | 14.1% | 10.1% | ||
| Q1 25 | 67.2% | 6.0% | ||
| Q4 24 | -40.4% | 4.4% | ||
| Q3 24 | 77.3% | 6.8% | ||
| Q2 24 | 58.8% | 9.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.6% | ||
| Q3 25 | 1.8% | 3.9% | ||
| Q2 25 | 1.4% | 4.1% | ||
| Q1 25 | 1.3% | 3.3% | ||
| Q4 24 | 1.1% | 2.6% | ||
| Q3 24 | 2.4% | 3.7% | ||
| Q2 24 | 1.2% | 3.2% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 32.34× | ||
| Q3 25 | 7.83× | 5.92× | ||
| Q2 25 | 0.72× | 2.73× | ||
| Q1 25 | 2.51× | 3.21× | ||
| Q4 24 | -2.39× | 1.56× | ||
| Q3 24 | 4.27× | 2.15× | ||
| Q2 24 | 2.52× | — |
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% |
GDYN
Segment breakdown not available.
