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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and WYNDHAM HOTELS & RESORTS, INC. (WH). Click either name above to swap in a different company.
WYNDHAM HOTELS & RESORTS, INC. is the larger business by last-quarter revenue ($334.0M vs $173.1M, roughly 1.9× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs -18.0%, a 38.3% gap on every dollar of revenue. On growth, PATHWARD FINANCIAL, INC. posted the faster year-over-year revenue change (-0.2% vs -76.3%). WYNDHAM HOTELS & RESORTS, INC. produced more free cash flow last quarter ($168.0M vs $104.1M). Over the past eight quarters, WYNDHAM HOTELS & RESORTS, INC.'s revenue compounded faster (-4.6% 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.
Wyndham Hotels & Resorts, Inc., is an American hospitality company based in Parsippany, New Jersey, United States. It describes itself as the largest hotel franchisor in the world, with 9,100 locations.
CASH vs WH — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $334.0M |
| Net Profit | $35.2M | $-60.0M |
| Gross Margin | — | — |
| Operating Margin | 24.6% | — |
| Net Margin | 20.3% | -18.0% |
| Revenue YoY | -0.2% | -76.3% |
| Net Profit YoY | 11.9% | -170.6% |
| EPS (diluted) | $1.57 | $-0.80 |
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 | — | $334.0M | ||
| Q4 25 | $173.1M | $334.0M | ||
| Q3 25 | $186.7M | $382.0M | ||
| Q2 25 | $195.8M | $397.0M | ||
| Q1 25 | $274.8M | $316.0M | ||
| Q4 24 | $182.6M | $336.0M | ||
| Q3 24 | $179.5M | $396.0M | ||
| Q2 24 | $188.6M | $367.0M |
| Q1 26 | — | $-60.0M | ||
| Q4 25 | $35.2M | $-60.0M | ||
| Q3 25 | $38.8M | $105.0M | ||
| Q2 25 | $42.1M | $87.0M | ||
| Q1 25 | $75.0M | $61.0M | ||
| Q4 24 | $30.0M | $85.0M | ||
| Q3 24 | $33.5M | $102.0M | ||
| Q2 24 | $44.9M | $86.0M |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -11.4% | ||
| Q3 25 | 25.9% | 46.6% | ||
| Q2 25 | 24.1% | 37.8% | ||
| Q1 25 | 33.2% | 35.4% | ||
| Q4 24 | 19.8% | 38.4% | ||
| Q3 24 | 20.9% | 43.2% | ||
| Q2 24 | 27.1% | 39.5% |
| Q1 26 | — | -18.0% | ||
| Q4 25 | 20.3% | -18.0% | ||
| Q3 25 | 20.8% | 27.5% | ||
| Q2 25 | 21.5% | 21.9% | ||
| Q1 25 | 27.3% | 19.3% | ||
| Q4 24 | 16.4% | 25.3% | ||
| Q3 24 | 18.7% | 25.8% | ||
| Q2 24 | 23.8% | 23.4% |
| Q1 26 | — | $-0.80 | ||
| Q4 25 | $1.57 | $-0.77 | ||
| Q3 25 | $1.69 | $1.36 | ||
| Q2 25 | $1.81 | $1.13 | ||
| Q1 25 | $3.14 | $0.78 | ||
| Q4 24 | $1.23 | $1.06 | ||
| Q3 24 | $1.34 | $1.29 | ||
| Q2 24 | $1.78 | $1.07 |
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 | $64.0M |
| Total DebtLower is stronger | $33.5M | — |
| Stockholders' EquityBook value | $854.5M | $468.0M |
| Total Assets | $7.6B | $4.2B |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $64.0M | ||
| Q4 25 | $331.2M | $64.0M | ||
| Q3 25 | $120.6M | $70.0M | ||
| Q2 25 | $258.3M | $50.0M | ||
| Q1 25 | $254.2M | $48.0M | ||
| Q4 24 | $597.4M | $103.0M | ||
| Q3 24 | $158.3M | $72.0M | ||
| Q2 24 | $298.9M | $70.0M |
| Q1 26 | — | — | ||
| Q4 25 | $33.5M | $2.5B | ||
| Q3 25 | $33.5M | $2.6B | ||
| Q2 25 | $33.4M | $2.5B | ||
| Q1 25 | $33.4M | $2.5B | ||
| Q4 24 | $33.4M | $2.4B | ||
| Q3 24 | $33.4M | $2.4B | ||
| Q2 24 | $33.3M | $2.4B |
| Q1 26 | — | $468.0M | ||
| Q4 25 | $854.5M | $468.0M | ||
| Q3 25 | $858.0M | $583.0M | ||
| Q2 25 | $819.0M | $570.0M | ||
| Q1 25 | $814.7M | $579.0M | ||
| Q4 24 | $758.3M | $650.0M | ||
| Q3 24 | $822.5M | $583.0M | ||
| Q2 24 | $748.4M | $623.0M |
| Q1 26 | — | $4.2B | ||
| Q4 25 | $7.6B | $4.2B | ||
| Q3 25 | $7.2B | $4.3B | ||
| Q2 25 | $7.2B | $4.3B | ||
| Q1 25 | $7.0B | $4.2B | ||
| Q4 24 | $7.6B | $4.2B | ||
| Q3 24 | $7.5B | $4.2B | ||
| Q2 24 | $7.5B | $4.2B |
| Q1 26 | — | — | ||
| Q4 25 | 0.04× | 5.37× | ||
| Q3 25 | 0.04× | 4.43× | ||
| Q2 25 | 0.04× | 4.44× | ||
| Q1 25 | 0.04× | 4.29× | ||
| Q4 24 | 0.04× | 3.72× | ||
| Q3 24 | 0.04× | 4.19× | ||
| Q2 24 | 0.04× | 3.83× |
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 | $367.0M |
| Free Cash FlowOCF − Capex | $104.1M | $168.0M |
| FCF MarginFCF / Revenue | 60.1% | 50.3% |
| Capex IntensityCapex / Revenue | 2.4% | — |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $437.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $367.0M | ||
| Q4 25 | $108.3M | $152.0M | ||
| Q3 25 | $303.7M | $86.0M | ||
| Q2 25 | $30.4M | $70.0M | ||
| Q1 25 | $188.3M | $59.0M | ||
| Q4 24 | $-71.7M | $134.0M | ||
| Q3 24 | $143.1M | $79.0M | ||
| Q2 24 | $113.2M | $1.0M |
| Q1 26 | — | $168.0M | ||
| Q4 25 | $104.1M | $136.0M | ||
| Q3 25 | $300.3M | $75.0M | ||
| Q2 25 | $27.7M | $58.0M | ||
| Q1 25 | $184.7M | $52.0M | ||
| Q4 24 | $-73.8M | $109.0M | ||
| Q3 24 | $138.8M | $71.0M | ||
| Q2 24 | $111.0M | $-6.0M |
| Q1 26 | — | 50.3% | ||
| Q4 25 | 60.1% | 40.7% | ||
| Q3 25 | 160.9% | 19.6% | ||
| Q2 25 | 14.1% | 14.6% | ||
| Q1 25 | 67.2% | 16.5% | ||
| Q4 24 | -40.4% | 32.4% | ||
| Q3 24 | 77.3% | 17.9% | ||
| Q2 24 | 58.8% | -1.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 4.8% | ||
| Q3 25 | 1.8% | 2.9% | ||
| Q2 25 | 1.4% | 3.0% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 1.1% | 7.4% | ||
| Q3 24 | 2.4% | 2.0% | ||
| Q2 24 | 1.2% | 1.9% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 0.82× | ||
| Q2 25 | 0.72× | 0.80× | ||
| Q1 25 | 2.51× | 0.97× | ||
| Q4 24 | -2.39× | 1.58× | ||
| Q3 24 | 4.27× | 0.77× | ||
| Q2 24 | 2.52× | 0.01× |
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% |
WH
| Fee-related and other revenues | $334.0M | 100% |
| Management and other fees | $2.0M | 1% |
