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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and GLOBAL INDUSTRIAL Co (GIC). Click either name above to swap in a different company.
GLOBAL INDUSTRIAL Co is the larger business by last-quarter revenue ($345.6M vs $276.3M, roughly 1.3× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs 4.2%, a 22.2% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs 3.4%).
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.
Global Industrial Company is a Port Washington, New York–based company providing industrial and MRO products through a system of branded e-Commerce websites and relationship marketers in North America. The primary brand is Global Industrial.
CASH vs GIC — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $276.3M | $345.6M |
| Net Profit | $72.9M | $14.6M |
| Gross Margin | — | 34.5% |
| Operating Margin | — | 5.7% |
| Net Margin | 26.4% | 4.2% |
| Revenue YoY | — | 14.3% |
| Net Profit YoY | — | 36.4% |
| EPS (diluted) | $3.35 | $0.37 |
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 | $345.6M | ||
| Q3 25 | $186.7M | $353.6M | ||
| Q2 25 | $195.8M | $358.9M | ||
| Q1 25 | $274.8M | $321.0M | ||
| Q4 24 | $182.6M | $302.3M | ||
| Q3 24 | $179.5M | $342.4M | ||
| Q2 24 | $188.6M | $347.8M |
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $14.6M | ||
| Q3 25 | $38.8M | $18.8M | ||
| Q2 25 | $42.1M | $25.1M | ||
| Q1 25 | $75.0M | $13.6M | ||
| Q4 24 | $30.0M | $10.7M | ||
| Q3 24 | $33.5M | $16.8M | ||
| Q2 24 | $44.9M | $20.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 34.5% | ||
| Q3 25 | — | 35.6% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 34.9% | ||
| Q4 24 | — | 33.8% | ||
| Q3 24 | — | 34.0% | ||
| Q2 24 | — | 35.2% |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.7% | ||
| Q3 25 | 25.9% | 7.4% | ||
| Q2 25 | 24.1% | 9.3% | ||
| Q1 25 | 33.2% | 5.7% | ||
| Q4 24 | 19.8% | 4.8% | ||
| Q3 24 | 20.9% | 6.5% | ||
| Q2 24 | 27.1% | 7.6% |
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 4.2% | ||
| Q3 25 | 20.8% | 5.3% | ||
| Q2 25 | 21.5% | 7.0% | ||
| Q1 25 | 27.3% | 4.2% | ||
| Q4 24 | 16.4% | 3.5% | ||
| Q3 24 | 18.7% | 4.9% | ||
| Q2 24 | 23.8% | 5.8% |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.37 | ||
| Q3 25 | $1.69 | $0.48 | ||
| Q2 25 | $1.81 | $0.65 | ||
| Q1 25 | $3.14 | $0.35 | ||
| Q4 24 | $1.23 | $0.28 | ||
| Q3 24 | $1.34 | $0.44 | ||
| Q2 24 | $1.78 | $0.52 |
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 | $67.5M |
| Total DebtLower is stronger | $59.5M | — |
| Stockholders' EquityBook value | $850.7M | $313.2M |
| Total Assets | $7.1B | $580.8M |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $67.5M | ||
| Q3 25 | $120.6M | $67.2M | ||
| Q2 25 | $258.3M | $55.1M | ||
| Q1 25 | $254.2M | $39.0M | ||
| Q4 24 | $597.4M | $44.6M | ||
| Q3 24 | $158.3M | $38.9M | ||
| Q2 24 | $298.9M | $38.8M |
| Q1 26 | $59.5M | — | ||
| 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 | $850.7M | — | ||
| Q4 25 | $854.5M | $313.2M | ||
| Q3 25 | $858.0M | $316.0M | ||
| Q2 25 | $819.0M | $305.2M | ||
| Q1 25 | $814.7M | $287.9M | ||
| Q4 24 | $758.3M | $281.1M | ||
| Q3 24 | $822.5M | $279.2M | ||
| Q2 24 | $748.4M | $270.4M |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $580.8M | ||
| Q3 25 | $7.2B | $602.5M | ||
| Q2 25 | $7.2B | $586.5M | ||
| Q1 25 | $7.0B | $536.7M | ||
| Q4 24 | $7.6B | $520.7M | ||
| Q3 24 | $7.5B | $531.6M | ||
| Q2 24 | $7.5B | $542.5M |
| Q1 26 | 0.07× | — | ||
| 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 | — | $20.0M |
| Free Cash FlowOCF − Capex | — | $19.2M |
| FCF MarginFCF / Revenue | — | 5.6% |
| Capex IntensityCapex / Revenue | — | 0.2% |
| Cash ConversionOCF / Net Profit | — | 1.37× |
| TTM Free Cash FlowTrailing 4 quarters | — | $74.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $20.0M | ||
| Q3 25 | $303.7M | $22.7M | ||
| Q2 25 | $30.4M | $31.7M | ||
| Q1 25 | $188.3M | $3.4M | ||
| Q4 24 | $-71.7M | $15.9M | ||
| Q3 24 | $143.1M | $9.6M | ||
| Q2 24 | $113.2M | $18.8M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $19.2M | ||
| Q3 25 | $300.3M | $22.0M | ||
| Q2 25 | $27.7M | $30.3M | ||
| Q1 25 | $184.7M | $3.2M | ||
| Q4 24 | $-73.8M | $15.2M | ||
| Q3 24 | $138.8M | $8.7M | ||
| Q2 24 | $111.0M | $17.9M |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 5.6% | ||
| Q3 25 | 160.9% | 6.2% | ||
| Q2 25 | 14.1% | 8.4% | ||
| Q1 25 | 67.2% | 1.0% | ||
| Q4 24 | -40.4% | 5.0% | ||
| Q3 24 | 77.3% | 2.5% | ||
| Q2 24 | 58.8% | 5.1% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.2% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 1.4% | 0.4% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 0.3% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.37× | ||
| Q3 25 | 7.83× | 1.21× | ||
| Q2 25 | 0.72× | 1.26× | ||
| Q1 25 | 2.51× | 0.25× | ||
| Q4 24 | -2.39× | 1.49× | ||
| Q3 24 | 4.27× | 0.57× | ||
| Q2 24 | 2.52× | 0.93× |
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% |
GIC
Segment breakdown not available.
