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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and OXFORD INDUSTRIES INC (OXM). Click either name above to swap in a different company.
OXFORD INDUSTRIES INC is the larger business by last-quarter revenue ($307.3M vs $173.1M, roughly 1.8× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs -20.7%, a 41.0% gap on every dollar of revenue. On growth, OXFORD INDUSTRIES INC posted the faster year-over-year revenue change (-0.2% vs -0.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $-47.9M). Over the past eight quarters, OXFORD INDUSTRIES INC's revenue compounded faster (-3.0% 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.
Oxford Industries, Inc. is a publicly traded clothing company in the United States that specializes in high-end clothing and apparel. The company carries many major labels, including Tommy Bahama, Lilly Pulitzer, Johnny Was and Southern Tide.
CASH vs OXM — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $307.3M |
| Net Profit | $35.2M | $-63.7M |
| Gross Margin | — | 60.3% |
| Operating Margin | 24.6% | -27.7% |
| Net Margin | 20.3% | -20.7% |
| Revenue YoY | -0.2% | -0.2% |
| Net Profit YoY | 11.9% | -1517.6% |
| EPS (diluted) | $1.57 | $-4.28 |
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 | $307.3M | ||
| Q3 25 | $186.7M | $403.1M | ||
| Q2 25 | $195.8M | $392.9M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $308.0M | ||
| Q3 24 | $179.5M | $419.9M | ||
| Q2 24 | $188.6M | $398.2M | ||
| Q1 24 | $257.6M | $404.4M |
| Q4 25 | $35.2M | $-63.7M | ||
| Q3 25 | $38.8M | $16.7M | ||
| Q2 25 | $42.1M | $26.2M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $-3.9M | ||
| Q3 24 | $33.5M | $40.6M | ||
| Q2 24 | $44.9M | $38.4M | ||
| Q1 24 | $69.9M | $-60.1M |
| Q4 25 | — | 60.3% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 64.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | 63.1% | ||
| Q2 24 | — | 64.9% | ||
| Q1 24 | — | 60.9% |
| Q4 25 | 24.6% | -27.7% | ||
| Q3 25 | 25.9% | 6.3% | ||
| Q2 25 | 24.1% | 9.2% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | -2.0% | ||
| Q3 24 | 20.9% | 12.5% | ||
| Q2 24 | 27.1% | 13.2% | ||
| Q1 24 | 33.8% | -20.1% |
| Q4 25 | 20.3% | -20.7% | ||
| Q3 25 | 20.8% | 4.1% | ||
| Q2 25 | 21.5% | 6.7% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | -1.3% | ||
| Q3 24 | 18.7% | 9.7% | ||
| Q2 24 | 23.8% | 9.6% | ||
| Q1 24 | 27.1% | -14.9% |
| Q4 25 | $1.57 | $-4.28 | ||
| Q3 25 | $1.69 | $1.12 | ||
| Q2 25 | $1.81 | $1.70 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $-0.25 | ||
| Q3 24 | $1.34 | $2.57 | ||
| Q2 24 | $1.78 | $2.42 | ||
| Q1 24 | $2.74 | $-3.72 |
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 | $8.0M |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $528.0M |
| Total Assets | $7.6B | $1.3B |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $8.0M | ||
| Q3 25 | $120.6M | $6.9M | ||
| Q2 25 | $258.3M | $8.2M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $7.0M | ||
| Q3 24 | $158.3M | $18.4M | ||
| Q2 24 | $298.9M | $7.7M | ||
| Q1 24 | $347.9M | $7.6M |
| 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 24 | $33.4M | $29.0M |
| Q4 25 | $854.5M | $528.0M | ||
| Q3 25 | $858.0M | $597.1M | ||
| Q2 25 | $819.0M | $592.4M | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $612.2M | ||
| Q3 24 | $822.5M | $621.6M | ||
| Q2 24 | $748.4M | $592.9M | ||
| Q1 24 | $719.5M | $560.9M |
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.2B | $1.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.2B | ||
| Q2 24 | $7.5B | $1.2B | ||
| Q1 24 | $7.4B | $1.1B |
| 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× | — | ||
| Q1 24 | 0.05× | 0.05× |
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 | $-9.1M |
| Free Cash FlowOCF − Capex | $104.1M | $-47.9M |
| FCF MarginFCF / Revenue | 60.1% | -15.6% |
| Capex IntensityCapex / Revenue | 2.4% | 12.6% |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $-79.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $-9.1M | ||
| Q3 25 | $303.7M | $83.5M | ||
| Q2 25 | $30.4M | $-3.9M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $-18.2M | ||
| Q3 24 | $143.1M | $88.8M | ||
| Q2 24 | $113.2M | $32.9M | ||
| Q1 24 | $203.0M | $74.9M |
| Q4 25 | $104.1M | $-47.9M | ||
| Q3 25 | $300.3M | $52.3M | ||
| Q2 25 | $27.7M | $-27.4M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $-56.9M | ||
| Q3 24 | $138.8M | $47.2M | ||
| Q2 24 | $111.0M | $21.0M | ||
| Q1 24 | $201.3M | $55.3M |
| Q4 25 | 60.1% | -15.6% | ||
| Q3 25 | 160.9% | 13.0% | ||
| Q2 25 | 14.1% | -7.0% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | -18.5% | ||
| Q3 24 | 77.3% | 11.2% | ||
| Q2 24 | 58.8% | 5.3% | ||
| Q1 24 | 78.1% | 13.7% |
| Q4 25 | 2.4% | 12.6% | ||
| Q3 25 | 1.8% | 7.7% | ||
| Q2 25 | 1.4% | 6.0% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 12.6% | ||
| Q3 24 | 2.4% | 9.9% | ||
| Q2 24 | 1.2% | 3.0% | ||
| Q1 24 | 0.7% | 4.8% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 5.00× | ||
| Q2 25 | 0.72× | -0.15× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 2.19× | ||
| Q2 24 | 2.52× | 0.86× | ||
| Q1 24 | 2.90× | — |
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% |
OXM
| Sales Channel Retail | $162.9M | 53% |
| Sales Channel Wholesale | $61.3M | 20% |
| Johnny Was | $45.4M | 15% |
| Sales Channel Food And Beverage | $29.3M | 10% |
| Other Foreign Countries | $9.0M | 3% |
