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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and PTC THERAPEUTICS, INC. (PTCT). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($173.1M vs $164.7M, roughly 1.1× PTC THERAPEUTICS, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs -82.0%, a 102.3% gap on every dollar of revenue. On growth, PATHWARD FINANCIAL, INC. posted the faster year-over-year revenue change (-0.2% vs -22.7%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $-36.6M). Over the past eight quarters, PTC THERAPEUTICS, INC.'s revenue compounded faster (-11.5% 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.
PTC Therapeutics, Inc. is a US pharmaceutical company focused on the development of orally administered small molecule drugs and gene therapy which regulate gene expression by targeting post-transcriptional control (PTC) mechanisms in orphan diseases.
CASH vs PTCT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $164.7M |
| Net Profit | $35.2M | $-135.0M |
| Gross Margin | — | — |
| Operating Margin | 24.6% | -43.3% |
| Net Margin | 20.3% | -82.0% |
| Revenue YoY | -0.2% | -22.7% |
| Net Profit YoY | 11.9% | -104.8% |
| EPS (diluted) | $1.57 | $-1.63 |
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 | $164.7M | ||
| Q3 25 | $186.7M | $211.0M | ||
| Q2 25 | $195.8M | $178.9M | ||
| Q1 25 | $274.8M | $1.2B | ||
| Q4 24 | $182.6M | $213.2M | ||
| Q3 24 | $179.5M | $196.8M | ||
| Q2 24 | $188.6M | $186.7M | ||
| Q1 24 | $257.6M | $210.1M |
| Q4 25 | $35.2M | $-135.0M | ||
| Q3 25 | $38.8M | $15.9M | ||
| Q2 25 | $42.1M | $-64.8M | ||
| Q1 25 | $75.0M | $866.6M | ||
| Q4 24 | $30.0M | $-65.9M | ||
| Q3 24 | $33.5M | $-106.7M | ||
| Q2 24 | $44.9M | $-99.2M | ||
| Q1 24 | $69.9M | $-91.6M |
| Q4 25 | 24.6% | -43.3% | ||
| Q3 25 | 25.9% | 1.4% | ||
| Q2 25 | 24.1% | -19.5% | ||
| Q1 25 | 33.2% | 82.5% | ||
| Q4 24 | 19.8% | -76.2% | ||
| Q3 24 | 20.9% | -27.7% | ||
| Q2 24 | 27.1% | -21.5% | ||
| Q1 24 | 33.8% | -21.6% |
| Q4 25 | 20.3% | -82.0% | ||
| Q3 25 | 20.8% | 7.5% | ||
| Q2 25 | 21.5% | -36.3% | ||
| Q1 25 | 27.3% | 73.7% | ||
| Q4 24 | 16.4% | -30.9% | ||
| Q3 24 | 18.7% | -54.2% | ||
| Q2 24 | 23.8% | -53.1% | ||
| Q1 24 | 27.1% | -43.6% |
| Q4 25 | $1.57 | $-1.63 | ||
| Q3 25 | $1.69 | $0.20 | ||
| Q2 25 | $1.81 | $-0.83 | ||
| Q1 25 | $3.14 | $10.04 | ||
| Q4 24 | $1.23 | $-0.85 | ||
| Q3 24 | $1.34 | $-1.39 | ||
| Q2 24 | $1.78 | $-1.29 | ||
| Q1 24 | $2.74 | $-1.20 |
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 | $1.9B |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $-205.3M |
| Total Assets | $7.6B | $2.9B |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $1.9B | ||
| Q3 25 | $120.6M | $1.7B | ||
| Q2 25 | $258.3M | $2.0B | ||
| Q1 25 | $254.2M | $2.0B | ||
| Q4 24 | $597.4M | $1.1B | ||
| Q3 24 | $158.3M | $1.0B | ||
| Q2 24 | $298.9M | $1.1B | ||
| Q1 24 | $347.9M | $884.8M |
| 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 | — |
| Q4 25 | $854.5M | $-205.3M | ||
| Q3 25 | $858.0M | $-155.8M | ||
| Q2 25 | $819.0M | $-206.5M | ||
| Q1 25 | $814.7M | $-185.8M | ||
| Q4 24 | $758.3M | $-1.1B | ||
| Q3 24 | $822.5M | $-1.1B | ||
| Q2 24 | $748.4M | $-980.2M | ||
| Q1 24 | $719.5M | $-893.9M |
| Q4 25 | $7.6B | $2.9B | ||
| Q3 25 | $7.2B | $2.6B | ||
| Q2 25 | $7.2B | $2.6B | ||
| Q1 25 | $7.0B | $2.7B | ||
| Q4 24 | $7.6B | $1.7B | ||
| Q3 24 | $7.5B | $1.8B | ||
| Q2 24 | $7.5B | $1.9B | ||
| Q1 24 | $7.4B | $1.8B |
| 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× | — |
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 | $-34.3M |
| Free Cash FlowOCF − Capex | $104.1M | $-36.6M |
| FCF MarginFCF / Revenue | 60.1% | -22.3% |
| Capex IntensityCapex / Revenue | 2.4% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $702.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $-34.3M | ||
| Q3 25 | $303.7M | $-66.3M | ||
| Q2 25 | $30.4M | $-58.3M | ||
| Q1 25 | $188.3M | $870.1M | ||
| Q4 24 | $-71.7M | $-30.0M | ||
| Q3 24 | $143.1M | $-77.0M | ||
| Q2 24 | $113.2M | $-71.5M | ||
| Q1 24 | $203.0M | $70.8M |
| Q4 25 | $104.1M | $-36.6M | ||
| Q3 25 | $300.3M | $-69.7M | ||
| Q2 25 | $27.7M | $-59.6M | ||
| Q1 25 | $184.7M | $868.4M | ||
| Q4 24 | $-73.8M | $-33.8M | ||
| Q3 24 | $138.8M | $-77.5M | ||
| Q2 24 | $111.0M | $-78.8M | ||
| Q1 24 | $201.3M | $61.2M |
| Q4 25 | 60.1% | -22.3% | ||
| Q3 25 | 160.9% | -33.1% | ||
| Q2 25 | 14.1% | -33.3% | ||
| Q1 25 | 67.2% | 73.8% | ||
| Q4 24 | -40.4% | -15.8% | ||
| Q3 24 | 77.3% | -39.4% | ||
| Q2 24 | 58.8% | -42.2% | ||
| Q1 24 | 78.1% | 29.1% |
| Q4 25 | 2.4% | 1.4% | ||
| Q3 25 | 1.8% | 1.6% | ||
| Q2 25 | 1.4% | 0.7% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 1.1% | 1.8% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 4.0% | ||
| Q1 24 | 0.7% | 4.6% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | -4.17× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 1.00× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| 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% |
PTCT
Segment breakdown not available.
