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PATHWARD FINANCIAL, INC.（CASH）とCSW INDUSTRIALS, INC.（CSW）の財務データ比較。上の社名をクリックして会社を切り替えられます
CSW INDUSTRIALS, INC.の直近四半期売上が大きい（$233.0M vs $173.1M、PATHWARD FINANCIAL, INC.の約1.3倍）。PATHWARD FINANCIAL, INC.の純利益率が高く（20.3% vs 4.4%、差は15.9%）。CSW INDUSTRIALS, INC.の前年同期比売上増加率が高い（20.3% vs -0.2%）。PATHWARD FINANCIAL, INC.の直近四半期フリーキャッシュフローが多い（$104.1M vs $22.7M）。過去8四半期でCSW INDUSTRIALS, INC.の売上複合成長率が高い（5.1% vs -18.0%）
Pathward Financial, Inc.はアメリカを本拠地とする銀行・金融サービス企業である。親会社のMetaフィナンシャル・グループが「Meta」商標をMeta Platformsに売却したことを受け、2022年に現在の社名に変更した。
CASH vs CSW — 直接比較
売上が大きい
CSW
1.3倍大きい
$173.1M
売上成長率が高い
CSW
+20.6%の差
-0.2%
純利益率が高い
CASH
純利益率が15.9%高い
4.4%
フリーキャッシュフローが多い
CASH
FCF $81.3M多い
$22.7M
2年売上CAGRが高い
CSW
2年複合成長率
-18.0%
損益計算書 — Q1 FY2026 vs Q3 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $173.1M | $233.0M |
| 純利益 | $35.2M | $10.3M |
| 粗利率 | — | 39.7% |
| 営業利益率 | 24.6% | 7.4% |
| 純利益率 | 20.3% | 4.4% |
| 売上前年比 | -0.2% | 20.3% |
| 純利益前年比 | 11.9% | -61.9% |
| EPS（希薄化後） | $1.57 | $0.62 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
売上CASHCSW
| Q4 25 | $173.1M | $233.0M | ||
| Q3 25 | $186.7M | $277.0M | ||
| Q2 25 | $195.8M | $263.6M | ||
| Q1 25 | $274.8M | $230.5M | ||
| Q4 24 | $182.6M | $193.6M | ||
| Q3 24 | $179.5M | $227.9M | ||
| Q2 24 | $188.6M | $226.2M | ||
| Q1 24 | $257.6M | $210.9M |
純利益CASHCSW
| Q4 25 | $35.2M | $10.3M | ||
| Q3 25 | $38.8M | $40.7M | ||
| Q2 25 | $42.1M | $40.9M | ||
| Q1 25 | $75.0M | $35.1M | ||
| Q4 24 | $30.0M | $26.9M | ||
| Q3 24 | $33.5M | $36.1M | ||
| Q2 24 | $44.9M | $38.6M | ||
| Q1 24 | $69.9M | $31.8M |
粗利率CASHCSW
| Q4 25 | — | 39.7% | ||
| Q3 25 | — | 43.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.4% |
営業利益率CASHCSW
| Q4 25 | 24.6% | 7.4% | ||
| Q3 25 | 25.9% | 20.5% | ||
| Q2 25 | 24.1% | 20.8% | ||
| Q1 25 | 33.2% | 19.5% | ||
| Q4 24 | 19.8% | 15.3% | ||
| Q3 24 | 20.9% | 22.6% | ||
| Q2 24 | 27.1% | 24.3% | ||
| Q1 24 | 33.8% | 21.0% |
純利益率CASHCSW
| Q4 25 | 20.3% | 4.4% | ||
| Q3 25 | 20.8% | 14.7% | ||
| Q2 25 | 21.5% | 15.5% | ||
| Q1 25 | 27.3% | 15.2% | ||
| Q4 24 | 16.4% | 13.9% | ||
| Q3 24 | 18.7% | 15.8% | ||
| Q2 24 | 23.8% | 17.1% | ||
| Q1 24 | 27.1% | 15.1% |
EPS（希薄化後）CASHCSW
| Q4 25 | $1.57 | $0.62 | ||
| Q3 25 | $1.69 | $2.41 | ||
| Q2 25 | $1.81 | $2.43 | ||
| Q1 25 | $3.14 | $2.05 | ||
| Q4 24 | $1.23 | $1.60 | ||
| Q3 24 | $1.34 | $2.26 | ||
| Q2 24 | $1.78 | $2.47 | ||
| Q1 24 | $2.74 | $2.03 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $331.2M | $40.2M |
| 総負債低いほど良い | $33.5M | — |
| 株主資本純資産 | $854.5M | $1.1B |
| 総資産 | $7.6B | $2.3B |
| 負債/資本比率低いほどレバレッジが低い | 0.04× | — |
8四半期トレンド — 暦四半期で整列
現金・短期投資CASHCSW
| Q4 25 | $331.2M | $40.2M | ||
| Q3 25 | $120.6M | $31.5M | ||
| Q2 25 | $258.3M | $38.0M | ||
| Q1 25 | $254.2M | $225.8M | ||
| Q4 24 | $597.4M | $213.8M | ||
| Q3 24 | $158.3M | $273.2M | ||
| Q2 24 | $298.9M | $18.9M | ||
| Q1 24 | $347.9M | $22.2M |
総負債CASHCSW
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | $800.1M | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | $166.0M |
株主資本CASHCSW
| Q4 25 | $854.5M | $1.1B | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.0B | ||
| Q3 24 | $822.5M | $1.0B | ||
| Q2 24 | $748.4M | $650.2M | ||
| Q1 24 | $719.5M | $615.7M |
総資産CASHCSW
| Q4 25 | $7.6B | $2.3B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.5B | ||
| Q1 25 | $7.0B | $1.4B | ||
| Q4 24 | $7.6B | $1.4B | ||
| Q3 24 | $7.5B | $1.4B | ||
| Q2 24 | $7.5B | $1.1B | ||
| Q1 24 | $7.4B | $1.0B |
負債/資本比率CASHCSW
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | 0.75× | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.05× | 0.27× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $108.3M | $28.9M |
| フリーキャッシュフロー営業CF - 設備投資 | $104.1M | $22.7M |
| FCFマージンFCF / 売上 | 60.1% | 9.8% |
| 設備投資強度設備投資 / 売上 | 2.4% | 2.6% |
| キャッシュ転換率営業CF / 純利益 | 3.08× | 2.81× |
| 直近12ヶ月FCF直近4四半期 | $616.8M | $162.0M |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローCASHCSW
| Q4 25 | $108.3M | $28.9M | ||
| Q3 25 | $303.7M | $61.8M | ||
| Q2 25 | $30.4M | $60.6M | ||
| Q1 25 | $188.3M | $27.3M | ||
| Q4 24 | $-71.7M | $11.6M | ||
| Q3 24 | $143.1M | $66.8M | ||
| Q2 24 | $113.2M | $62.7M | ||
| Q1 24 | $203.0M | $22.4M |
フリーキャッシュフローCASHCSW
| Q4 25 | $104.1M | $22.7M | ||
| Q3 25 | $300.3M | $58.7M | ||
| Q2 25 | $27.7M | $57.7M | ||
| Q1 25 | $184.7M | $22.8M | ||
| Q4 24 | $-73.8M | $8.5M | ||
| Q3 24 | $138.8M | $61.3M | ||
| Q2 24 | $111.0M | $59.6M | ||
| Q1 24 | $201.3M | $17.5M |
FCFマージンCASHCSW
| Q4 25 | 60.1% | 9.8% | ||
| Q3 25 | 160.9% | 21.2% | ||
| Q2 25 | 14.1% | 21.9% | ||
| Q1 25 | 67.2% | 9.9% | ||
| Q4 24 | -40.4% | 4.4% | ||
| Q3 24 | 77.3% | 26.9% | ||
| Q2 24 | 58.8% | 26.3% | ||
| Q1 24 | 78.1% | 8.3% |
設備投資強度CASHCSW
| Q4 25 | 2.4% | 2.6% | ||
| Q3 25 | 1.8% | 1.1% | ||
| Q2 25 | 1.4% | 1.1% | ||
| Q1 25 | 1.3% | 2.0% | ||
| Q4 24 | 1.1% | 1.6% | ||
| Q3 24 | 2.4% | 2.4% | ||
| Q2 24 | 1.2% | 1.4% | ||
| Q1 24 | 0.7% | 2.3% |
キャッシュ転換率CASHCSW
| Q4 25 | 3.08× | 2.81× | ||
| Q3 25 | 7.83× | 1.52× | ||
| Q2 25 | 0.72× | 1.48× | ||
| Q1 25 | 2.51× | 0.78× | ||
| Q4 24 | -2.39× | 0.43× | ||
| Q3 24 | 4.27× | 1.85× | ||
| Q2 24 | 2.52× | 1.62× | ||
| Q1 24 | 2.90× | 0.71× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
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% |
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
