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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and STURM RUGER & CO INC (RGR). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($173.1M vs $151.1M, roughly 1.1× STURM RUGER & CO INC). On growth, STURM RUGER & CO INC posted the faster year-over-year revenue change (3.6% vs -0.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $12.3M). Over the past eight quarters, STURM RUGER & CO INC's revenue compounded faster (5.1% 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.
Sturm, Ruger & Company, Inc., better known by the shortened name Ruger, is an American firearm manufacturing company based in Southport, Connecticut, with production facilities also in Newport, New Hampshire; Mayodan, North Carolina; and Prescott, Arizona. The company was founded in 1949 by Alexander McCormick Sturm and William B. Ruger and has been publicly traded since 1969.
CASH vs RGR — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $151.1M |
| Net Profit | $35.2M | — |
| Gross Margin | — | 17.8% |
| Operating Margin | 24.6% | 2.3% |
| Net Margin | 20.3% | — |
| Revenue YoY | -0.2% | 3.6% |
| Net Profit YoY | 11.9% | — |
| EPS (diluted) | $1.57 | $0.22 |
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 | $151.1M | ||
| Q3 25 | $186.7M | $126.8M | ||
| Q2 25 | $195.8M | $132.5M | ||
| Q1 25 | $274.8M | $135.7M | ||
| Q4 24 | $182.6M | $145.8M | ||
| Q3 24 | $179.5M | $122.3M | ||
| Q2 24 | $188.6M | $130.8M | ||
| Q1 24 | $257.6M | $136.8M |
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $1.6M | ||
| Q2 25 | $42.1M | $-17.2M | ||
| Q1 25 | $75.0M | $7.8M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $4.7M | ||
| Q2 24 | $44.9M | $8.3M | ||
| Q1 24 | $69.9M | $7.1M |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
| Q4 25 | 24.6% | 2.3% | ||
| Q3 25 | 25.9% | -2.7% | ||
| Q2 25 | 24.1% | -15.6% | ||
| Q1 25 | 33.2% | 6.2% | ||
| Q4 24 | 19.8% | 7.8% | ||
| Q3 24 | 20.9% | 3.1% | ||
| Q2 24 | 27.1% | 6.9% | ||
| Q1 24 | 33.8% | 5.5% |
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | 1.2% | ||
| Q2 25 | 21.5% | -13.0% | ||
| Q1 25 | 27.3% | 5.7% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 3.9% | ||
| Q2 24 | 23.8% | 6.3% | ||
| Q1 24 | 27.1% | 5.2% |
| Q4 25 | $1.57 | $0.22 | ||
| Q3 25 | $1.69 | $0.10 | ||
| Q2 25 | $1.81 | $-1.05 | ||
| Q1 25 | $3.14 | $0.46 | ||
| Q4 24 | $1.23 | $0.62 | ||
| Q3 24 | $1.34 | $0.28 | ||
| Q2 24 | $1.78 | $0.47 | ||
| Q1 24 | $2.74 | $0.40 |
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 | $92.5M |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $283.8M |
| Total Assets | $7.6B | $342.0M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $92.5M | ||
| Q3 25 | $120.6M | $80.8M | ||
| Q2 25 | $258.3M | $101.4M | ||
| Q1 25 | $254.2M | $108.3M | ||
| Q4 24 | $597.4M | $105.5M | ||
| Q3 24 | $158.3M | $96.0M | ||
| Q2 24 | $298.9M | $105.6M | ||
| Q1 24 | $347.9M | $115.3M |
| 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 | $283.8M | ||
| Q3 25 | $858.0M | $279.6M | ||
| Q2 25 | $819.0M | $289.3M | ||
| Q1 25 | $814.7M | $321.5M | ||
| Q4 24 | $758.3M | $319.6M | ||
| Q3 24 | $822.5M | $314.9M | ||
| Q2 24 | $748.4M | $321.5M | ||
| Q1 24 | $719.5M | $332.0M |
| Q4 25 | $7.6B | $342.0M | ||
| Q3 25 | $7.2B | $342.3M | ||
| Q2 25 | $7.2B | $349.5M | ||
| Q1 25 | $7.0B | $379.0M | ||
| Q4 24 | $7.6B | $384.0M | ||
| Q3 24 | $7.5B | $373.5M | ||
| Q2 24 | $7.5B | $376.7M | ||
| Q1 24 | $7.4B | $385.0M |
| 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 | $15.5M |
| Free Cash FlowOCF − Capex | $104.1M | $12.3M |
| FCF MarginFCF / Revenue | 60.1% | 8.2% |
| Capex IntensityCapex / Revenue | 2.4% | 2.1% |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $38.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $15.5M | ||
| Q3 25 | $303.7M | $12.9M | ||
| Q2 25 | $30.4M | $14.7M | ||
| Q1 25 | $188.3M | $11.1M | ||
| Q4 24 | $-71.7M | $20.0M | ||
| Q3 24 | $143.1M | $9.4M | ||
| Q2 24 | $113.2M | $18.7M | ||
| Q1 24 | $203.0M | $7.3M |
| Q4 25 | $104.1M | $12.3M | ||
| Q3 25 | $300.3M | $7.0M | ||
| Q2 25 | $27.7M | $9.1M | ||
| Q1 25 | $184.7M | $10.0M | ||
| Q4 24 | $-73.8M | $16.4M | ||
| Q3 24 | $138.8M | $2.6M | ||
| Q2 24 | $111.0M | $10.1M | ||
| Q1 24 | $201.3M | $5.6M |
| Q4 25 | 60.1% | 8.2% | ||
| Q3 25 | 160.9% | 5.5% | ||
| Q2 25 | 14.1% | 6.9% | ||
| Q1 25 | 67.2% | 7.4% | ||
| Q4 24 | -40.4% | 11.2% | ||
| Q3 24 | 77.3% | 2.1% | ||
| Q2 24 | 58.8% | 7.7% | ||
| Q1 24 | 78.1% | 4.1% |
| Q4 25 | 2.4% | 2.1% | ||
| Q3 25 | 1.8% | 4.6% | ||
| Q2 25 | 1.4% | 4.2% | ||
| Q1 25 | 1.3% | 0.8% | ||
| Q4 24 | 1.1% | 2.5% | ||
| Q3 24 | 2.4% | 5.5% | ||
| Q2 24 | 1.2% | 6.6% | ||
| Q1 24 | 0.7% | 1.3% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 8.15× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 1.43× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 1.98× | ||
| Q2 24 | 2.52× | 2.27× | ||
| Q1 24 | 2.90× | 1.04× |
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% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
