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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and OPKO HEALTH, INC. (OPK). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($276.3M vs $148.5M, roughly 1.9× OPKO HEALTH, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs -21.1%, a 47.4% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs -7.5%).
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.
OPKO Health, Inc. is a medical test and medication company focused on diagnostics and pharmaceuticals. The company is a publicly traded company on NASDAQ and TASE under the symbol "OPK".
CASH vs OPK — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $276.3M | $148.5M |
| Net Profit | $72.9M | $-31.3M |
| Gross Margin | — | 43.1% |
| Operating Margin | — | -25.8% |
| Net Margin | 26.4% | -21.1% |
| Revenue YoY | — | -19.2% |
| Net Profit YoY | — | -322.8% |
| EPS (diluted) | $3.35 | $-0.04 |
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 | $148.5M | ||
| Q3 25 | $186.7M | $151.7M | ||
| Q2 25 | $195.8M | $156.8M | ||
| Q1 25 | $274.8M | $150.0M | ||
| Q4 24 | $182.6M | $183.6M | ||
| Q3 24 | $179.5M | $173.6M | ||
| Q2 24 | $188.6M | $182.2M |
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-31.3M | ||
| Q3 25 | $38.8M | $21.6M | ||
| Q2 25 | $42.1M | $-148.4M | ||
| Q1 25 | $75.0M | $-67.6M | ||
| Q4 24 | $30.0M | $14.0M | ||
| Q3 24 | $33.5M | $24.9M | ||
| Q2 24 | $44.9M | $-10.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 43.1% | ||
| Q3 25 | — | 32.9% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 46.1% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 28.4% |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -25.8% | ||
| Q3 25 | 25.9% | 31.7% | ||
| Q2 25 | 24.1% | -38.3% | ||
| Q1 25 | 33.2% | -44.8% | ||
| Q4 24 | 19.8% | -18.0% | ||
| Q3 24 | 20.9% | 8.2% | ||
| Q2 24 | 27.1% | -33.9% |
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -21.1% | ||
| Q3 25 | 20.8% | 14.3% | ||
| Q2 25 | 21.5% | -94.7% | ||
| Q1 25 | 27.3% | -45.1% | ||
| Q4 24 | 16.4% | 7.6% | ||
| Q3 24 | 18.7% | 14.3% | ||
| Q2 24 | 23.8% | -5.7% |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.04 | ||
| Q3 25 | $1.69 | $0.03 | ||
| Q2 25 | $1.81 | $-0.19 | ||
| Q1 25 | $3.14 | $-0.10 | ||
| Q4 24 | $1.23 | $0.02 | ||
| Q3 24 | $1.34 | $0.03 | ||
| 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 | $157.6M | $364.4M |
| Total DebtLower is stronger | $59.5M | $344.0M |
| Stockholders' EquityBook value | $850.7M | $1.3B |
| Total Assets | $7.1B | $1.9B |
| Debt / EquityLower = less leverage | 0.07× | 0.27× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $364.4M | ||
| Q3 25 | $120.6M | $412.0M | ||
| Q2 25 | $258.3M | $267.3M | ||
| Q1 25 | $254.2M | $428.8M | ||
| Q4 24 | $597.4M | $426.6M | ||
| Q3 24 | $158.3M | $400.1M | ||
| Q2 24 | $298.9M | $40.6M |
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $344.0M | ||
| Q3 25 | $33.5M | $344.2M | ||
| Q2 25 | $33.4M | $343.3M | ||
| Q1 25 | $33.4M | $439.2M | ||
| Q4 24 | $33.4M | $437.2M | ||
| Q3 24 | $33.4M | $441.0M | ||
| Q2 24 | $33.3M | $201.9M |
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.3B | ||
| Q3 25 | $858.0M | $1.3B | ||
| Q2 25 | $819.0M | $1.3B | ||
| Q1 25 | $814.7M | $1.3B | ||
| Q4 24 | $758.3M | $1.4B | ||
| Q3 24 | $822.5M | $1.4B | ||
| Q2 24 | $748.4M | $1.4B |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.9B | ||
| Q3 25 | $7.2B | $2.0B | ||
| Q2 25 | $7.2B | $2.0B | ||
| Q1 25 | $7.0B | $2.1B | ||
| Q4 24 | $7.6B | $2.2B | ||
| Q3 24 | $7.5B | $2.3B | ||
| Q2 24 | $7.5B | $2.0B |
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.27× | ||
| Q3 25 | 0.04× | 0.26× | ||
| Q2 25 | 0.04× | 0.26× | ||
| Q1 25 | 0.04× | 0.33× | ||
| Q4 24 | 0.04× | 0.32× | ||
| Q3 24 | 0.04× | 0.31× | ||
| Q2 24 | 0.04× | 0.14× |
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 | — | $-25.9M |
| Free Cash FlowOCF − Capex | — | $-28.6M |
| FCF MarginFCF / Revenue | — | -19.3% |
| Capex IntensityCapex / Revenue | — | 1.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-190.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-25.9M | ||
| Q3 25 | $303.7M | $-34.6M | ||
| Q2 25 | $30.4M | $-83.4M | ||
| Q1 25 | $188.3M | $-34.6M | ||
| Q4 24 | $-71.7M | $-44.4M | ||
| Q3 24 | $143.1M | $-77.1M | ||
| Q2 24 | $113.2M | $-26.4M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-28.6M | ||
| Q3 25 | $300.3M | $-37.8M | ||
| Q2 25 | $27.7M | $-86.7M | ||
| Q1 25 | $184.7M | $-37.7M | ||
| Q4 24 | $-73.8M | $-49.8M | ||
| Q3 24 | $138.8M | $-85.0M | ||
| Q2 24 | $111.0M | $-33.7M |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -19.3% | ||
| Q3 25 | 160.9% | -24.9% | ||
| Q2 25 | 14.1% | -55.3% | ||
| Q1 25 | 67.2% | -25.2% | ||
| Q4 24 | -40.4% | -27.1% | ||
| Q3 24 | 77.3% | -49.0% | ||
| Q2 24 | 58.8% | -18.5% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.8% | ||
| Q3 25 | 1.8% | 2.1% | ||
| Q2 25 | 1.4% | 2.1% | ||
| Q1 25 | 1.3% | 2.1% | ||
| Q4 24 | 1.1% | 2.9% | ||
| Q3 24 | 2.4% | 4.6% | ||
| Q2 24 | 1.2% | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | -1.60× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | -3.17× | ||
| Q3 24 | 4.27× | -3.10× | ||
| Q2 24 | 2.52× | — |
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% |
OPK
| Services | $71.1M | 48% |
| Transfer Of Intellectual Property And Other | $33.7M | 23% |
| IE | $22.1M | 15% |
| Rayaldee | $8.8M | 6% |
| Barda Agreement | $6.8M | 5% |
| MX | $6.3M | 4% |
