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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Rimini Street, Inc. (RMNI). Click either name above to swap in a different company.
PATHWARD FINANCIAL, INC. is the larger business by last-quarter revenue ($173.1M vs $109.8M, roughly 1.6× Rimini Street, Inc.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs 0.7%, a 19.7% gap on every dollar of revenue. On growth, PATHWARD FINANCIAL, INC. posted the faster year-over-year revenue change (-0.2% vs -3.9%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $18.9M). Over the past eight quarters, Rimini Street, Inc.'s revenue compounded faster (1.4% 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.
Rimini Street, Inc. is a global provider of independent third-party support services for enterprise software products including Oracle and SAP platforms. It serves clients across multiple industries worldwide, delivering cost-effective support, maintenance, and consulting solutions that help businesses cut operational expenses while ensuring software performance and security.
CASH vs RMNI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $109.8M |
| Net Profit | $35.2M | $724.0K |
| Gross Margin | — | 60.4% |
| Operating Margin | 24.6% | 4.5% |
| Net Margin | 20.3% | 0.7% |
| Revenue YoY | -0.2% | -3.9% |
| Net Profit YoY | 11.9% | -89.1% |
| EPS (diluted) | $1.57 | $0.00 |
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 | $109.8M | ||
| Q3 25 | $186.7M | $103.4M | ||
| Q2 25 | $195.8M | $104.1M | ||
| Q1 25 | $274.8M | $104.2M | ||
| Q4 24 | $182.6M | $114.2M | ||
| Q3 24 | $179.5M | $104.7M | ||
| Q2 24 | $188.6M | $103.1M | ||
| Q1 24 | $257.6M | $106.7M |
| Q4 25 | $35.2M | $724.0K | ||
| Q3 25 | $38.8M | $2.8M | ||
| Q2 25 | $42.1M | $30.3M | ||
| Q1 25 | $75.0M | $3.4M | ||
| Q4 24 | $30.0M | $6.7M | ||
| Q3 24 | $33.5M | $-43.1M | ||
| Q2 24 | $44.9M | $-1.1M | ||
| Q1 24 | $69.9M | $1.3M |
| Q4 25 | — | 60.4% | ||
| Q3 25 | — | 59.9% | ||
| Q2 25 | — | 60.4% | ||
| Q1 25 | — | 61.0% | ||
| Q4 24 | — | 63.7% | ||
| Q3 24 | — | 60.7% | ||
| Q2 24 | — | 59.1% | ||
| Q1 24 | — | 59.8% |
| Q4 25 | 24.6% | 4.5% | ||
| Q3 25 | 25.9% | 4.2% | ||
| Q2 25 | 24.1% | 39.6% | ||
| Q1 25 | 33.2% | 9.0% | ||
| Q4 24 | 19.8% | 13.0% | ||
| Q3 24 | 20.9% | -47.4% | ||
| Q2 24 | 27.1% | -0.8% | ||
| Q1 24 | 33.8% | 3.2% |
| Q4 25 | 20.3% | 0.7% | ||
| Q3 25 | 20.8% | 2.7% | ||
| Q2 25 | 21.5% | 29.1% | ||
| Q1 25 | 27.3% | 3.2% | ||
| Q4 24 | 16.4% | 5.8% | ||
| Q3 24 | 18.7% | -41.2% | ||
| Q2 24 | 23.8% | -1.1% | ||
| Q1 24 | 27.1% | 1.2% |
| Q4 25 | $1.57 | $0.00 | ||
| Q3 25 | $1.69 | $0.03 | ||
| Q2 25 | $1.81 | $0.32 | ||
| Q1 25 | $3.14 | $0.04 | ||
| Q4 24 | $1.23 | $0.07 | ||
| Q3 24 | $1.34 | $-0.47 | ||
| Q2 24 | $1.78 | $-0.01 | ||
| Q1 24 | $2.74 | $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 | $331.2M | $120.0M |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $-27.0M |
| Total Assets | $7.6B | $423.1M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $120.0M | ||
| Q3 25 | $120.6M | $108.7M | ||
| Q2 25 | $258.3M | $101.3M | ||
| Q1 25 | $254.2M | $122.6M | ||
| Q4 24 | $597.4M | $88.8M | ||
| Q3 24 | $158.3M | $119.5M | ||
| Q2 24 | $298.9M | $134.2M | ||
| Q1 24 | $347.9M | $129.0M |
| 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 | $-27.0M | ||
| Q3 25 | $858.0M | $-27.3M | ||
| Q2 25 | $819.0M | $-29.0M | ||
| Q1 25 | $814.7M | $-63.7M | ||
| Q4 24 | $758.3M | $-69.4M | ||
| Q3 24 | $822.5M | $-76.8M | ||
| Q2 24 | $748.4M | $-36.1M | ||
| Q1 24 | $719.5M | $-36.3M |
| Q4 25 | $7.6B | $423.1M | ||
| Q3 25 | $7.2B | $352.9M | ||
| Q2 25 | $7.2B | $397.5M | ||
| Q1 25 | $7.0B | $343.0M | ||
| Q4 24 | $7.6B | $369.1M | ||
| Q3 24 | $7.5B | $343.8M | ||
| Q2 24 | $7.5B | $367.4M | ||
| Q1 24 | $7.4B | $351.2M |
| 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 | $19.6M |
| Free Cash FlowOCF − Capex | $104.1M | $18.9M |
| FCF MarginFCF / Revenue | 60.1% | 17.2% |
| Capex IntensityCapex / Revenue | 2.4% | 0.6% |
| Cash ConversionOCF / Net Profit | 3.08× | 27.02× |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $55.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $19.6M | ||
| Q3 25 | $303.7M | $24.7M | ||
| Q2 25 | $30.4M | $-17.8M | ||
| Q1 25 | $188.3M | $33.7M | ||
| Q4 24 | $-71.7M | $-37.7M | ||
| Q3 24 | $143.1M | $-18.5M | ||
| Q2 24 | $113.2M | $6.3M | ||
| Q1 24 | $203.0M | $11.1M |
| Q4 25 | $104.1M | $18.9M | ||
| Q3 25 | $300.3M | $23.5M | ||
| Q2 25 | $27.7M | $-19.5M | ||
| Q1 25 | $184.7M | $32.8M | ||
| Q4 24 | $-73.8M | $-38.4M | ||
| Q3 24 | $138.8M | $-19.2M | ||
| Q2 24 | $111.0M | $5.4M | ||
| Q1 24 | $201.3M | $9.9M |
| Q4 25 | 60.1% | 17.2% | ||
| Q3 25 | 160.9% | 22.7% | ||
| Q2 25 | 14.1% | -18.8% | ||
| Q1 25 | 67.2% | 31.5% | ||
| Q4 24 | -40.4% | -33.6% | ||
| Q3 24 | 77.3% | -18.3% | ||
| Q2 24 | 58.8% | 5.2% | ||
| Q1 24 | 78.1% | 9.3% |
| Q4 25 | 2.4% | 0.6% | ||
| Q3 25 | 1.8% | 1.2% | ||
| Q2 25 | 1.4% | 1.7% | ||
| Q1 25 | 1.3% | 0.9% | ||
| Q4 24 | 1.1% | 0.6% | ||
| Q3 24 | 2.4% | 0.6% | ||
| Q2 24 | 1.2% | 0.8% | ||
| Q1 24 | 0.7% | 1.1% |
| Q4 25 | 3.08× | 27.02× | ||
| Q3 25 | 7.83× | 8.94× | ||
| Q2 25 | 0.72× | -0.59× | ||
| Q1 25 | 2.51× | 10.06× | ||
| Q4 24 | -2.39× | -5.66× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | 8.42× |
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% |
RMNI
| Non Us | $62.3M | 57% |
| US | $47.5M | 43% |
