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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Koppers Holdings Inc. (KOP). Click either name above to swap in a different company.
Koppers Holdings Inc. is the larger business by last-quarter revenue ($432.7M vs $276.3M, roughly 1.6× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs 6.9%, a 19.5% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs -6.7%).
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.
Koppers is a global chemical and materials company based in Pittsburgh, Pennsylvania, United States. Its headquarters is an art-deco 1920s skyscraper, the Koppers Tower.
CASH vs KOP — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $276.3M | $432.7M |
| Net Profit | $72.9M | $29.7M |
| Gross Margin | — | 25.6% |
| Operating Margin | — | 11.5% |
| Net Margin | 26.4% | 6.9% |
| Revenue YoY | — | -9.3% |
| Net Profit YoY | — | 391.2% |
| EPS (diluted) | $3.35 | $1.44 |
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 | $432.7M | ||
| Q3 25 | $186.7M | $485.3M | ||
| Q2 25 | $195.8M | $504.8M | ||
| Q1 25 | $274.8M | $456.5M | ||
| Q4 24 | $182.6M | $477.0M | ||
| Q3 24 | $179.5M | $554.3M | ||
| Q2 24 | $188.6M | $563.2M |
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $29.7M | ||
| Q3 25 | $38.8M | $23.8M | ||
| Q2 25 | $42.1M | $16.4M | ||
| Q1 25 | $75.0M | $-13.9M | ||
| Q4 24 | $30.0M | $-10.2M | ||
| Q3 24 | $33.5M | $22.8M | ||
| Q2 24 | $44.9M | $26.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 25.6% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 22.6% | ||
| Q1 25 | — | 23.2% | ||
| Q4 24 | — | 17.5% | ||
| Q3 24 | — | 21.9% | ||
| Q2 24 | — | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 11.5% | ||
| Q3 25 | 25.9% | 10.7% | ||
| Q2 25 | 24.1% | 7.7% | ||
| Q1 25 | 33.2% | 5.9% | ||
| Q4 24 | 19.8% | 1.3% | ||
| Q3 24 | 20.9% | 9.0% | ||
| Q2 24 | 27.1% | 10.2% |
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 6.9% | ||
| Q3 25 | 20.8% | 4.9% | ||
| Q2 25 | 21.5% | 3.2% | ||
| Q1 25 | 27.3% | -3.0% | ||
| Q4 24 | 16.4% | -2.1% | ||
| Q3 24 | 18.7% | 4.1% | ||
| Q2 24 | 23.8% | 4.8% |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.44 | ||
| Q3 25 | $1.69 | $1.17 | ||
| Q2 25 | $1.81 | $0.81 | ||
| Q1 25 | $3.14 | $-0.68 | ||
| Q4 24 | $1.23 | $-0.47 | ||
| Q3 24 | $1.34 | $1.09 | ||
| Q2 24 | $1.78 | $1.25 |
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 | — |
| Total DebtLower is stronger | $59.5M | $928.3M |
| Stockholders' EquityBook value | $850.7M | $574.0M |
| Total Assets | $7.1B | $1.9B |
| Debt / EquityLower = less leverage | 0.07× | 1.62× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $928.3M | ||
| Q3 25 | $33.5M | $932.9M | ||
| Q2 25 | $33.4M | $977.5M | ||
| Q1 25 | $33.4M | $989.0M | ||
| Q4 24 | $33.4M | $939.5M | ||
| Q3 24 | $33.4M | $989.4M | ||
| Q2 24 | $33.3M | $1.0B |
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $574.0M | ||
| Q3 25 | $858.0M | $545.6M | ||
| Q2 25 | $819.0M | $526.8M | ||
| Q1 25 | $814.7M | $498.0M | ||
| Q4 24 | $758.3M | $488.7M | ||
| Q3 24 | $822.5M | $532.3M | ||
| Q2 24 | $748.4M | $509.2M |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.9B | ||
| Q3 25 | $7.2B | $1.9B | ||
| Q2 25 | $7.2B | $1.9B | ||
| Q1 25 | $7.0B | $1.9B | ||
| Q4 24 | $7.6B | $1.9B | ||
| Q3 24 | $7.5B | $2.0B | ||
| Q2 24 | $7.5B | $1.9B |
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 1.62× | ||
| Q3 25 | 0.04× | 1.71× | ||
| Q2 25 | 0.04× | 1.86× | ||
| Q1 25 | 0.04× | 1.99× | ||
| Q4 24 | 0.04× | 1.92× | ||
| Q3 24 | 0.04× | 1.86× | ||
| Q2 24 | 0.04× | 1.97× |
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 | — | $45.1M |
| Free Cash FlowOCF − Capex | — | $28.5M |
| FCF MarginFCF / Revenue | — | 6.6% |
| Capex IntensityCapex / Revenue | — | 3.8% |
| Cash ConversionOCF / Net Profit | — | 1.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | $67.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $45.1M | ||
| Q3 25 | $303.7M | $49.6M | ||
| Q2 25 | $30.4M | $50.5M | ||
| Q1 25 | $188.3M | $-22.7M | ||
| Q4 24 | $-71.7M | $74.7M | ||
| Q3 24 | $143.1M | $29.8M | ||
| Q2 24 | $113.2M | $27.2M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $28.5M | ||
| Q3 25 | $300.3M | $37.6M | ||
| Q2 25 | $27.7M | $38.4M | ||
| Q1 25 | $184.7M | $-37.0M | ||
| Q4 24 | $-73.8M | $56.1M | ||
| Q3 24 | $138.8M | $14.4M | ||
| Q2 24 | $111.0M | $10.1M |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 6.6% | ||
| Q3 25 | 160.9% | 7.7% | ||
| Q2 25 | 14.1% | 7.6% | ||
| Q1 25 | 67.2% | -8.1% | ||
| Q4 24 | -40.4% | 11.8% | ||
| Q3 24 | 77.3% | 2.6% | ||
| Q2 24 | 58.8% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.8% | ||
| Q3 25 | 1.8% | 2.5% | ||
| Q2 25 | 1.4% | 2.4% | ||
| Q1 25 | 1.3% | 3.1% | ||
| Q4 24 | 1.1% | 3.9% | ||
| Q3 24 | 2.4% | 2.8% | ||
| Q2 24 | 1.2% | 3.0% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.52× | ||
| Q3 25 | 7.83× | 2.08× | ||
| Q2 25 | 0.72× | 3.08× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 1.31× | ||
| Q2 24 | 2.52× | 1.01× |
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% |
KOP
| Other | $127.8M | 30% |
| Railroad Treated Products | $119.0M | 28% |
| Utility Poles | $79.8M | 18% |
| Pitch And Related Products | $74.1M | 17% |
| Carbon Black Feedstock And Distillates | $14.4M | 3% |
| Railroad Infrastructure Products And Services | $9.9M | 2% |
| Phthalic Anhydride Naphthalene And Other Chemicals | $7.7M | 2% |
