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PATHWARD FINANCIAL, INC.（CASH）とESCO TECHNOLOGIES INC（ESE）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
ESCO TECHNOLOGIES INCの直近四半期売上が大きい（$289.7M vs $173.1M、PATHWARD FINANCIAL, INC.の約1.7倍）。PATHWARD FINANCIAL, INC.の純利益率が高く（20.3% vs 9.9%、差は10.4%）。ESCO TECHNOLOGIES INCの前年同期比売上増加率が高い（17.3% 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 $63.0M）。過去8四半期でESCO TECHNOLOGIES INCの売上複合成長率が高い（7.8% 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。
ESCOはシンガポール発のブランドで、研究室向け製品・サービスの開発、製造、販売を主力事業としています。ライフサイエンス、医療、産業検査などの分野の研究室に対し、ニーズに応じた最適なソリューションとアフターサービスを提供しています。
CASH vs ESE — 直接比較
損益計算書 — Q1 FY2026 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $173.1M | $289.7M |
| 純利益 | $35.2M | $28.7M |
| 粗利率 | — | 41.4% |
| 営業利益率 | 24.6% | 13.2% |
| 純利益率 | 20.3% | 9.9% |
| 売上前年比 | -0.2% | 17.3% |
| 純利益前年比 | 11.9% | 22.2% |
| EPS（希薄化後） | $1.57 | $1.11 |
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
| Q4 25 | $173.1M | $289.7M | ||
| Q3 25 | $186.7M | $286.5M | ||
| Q2 25 | $195.8M | $296.3M | ||
| Q1 25 | $274.8M | $265.5M | ||
| Q4 24 | $182.6M | $247.0M | ||
| Q3 24 | $179.5M | $298.5M | ||
| Q2 24 | $188.6M | $260.8M | ||
| Q1 24 | $257.6M | $249.1M |
| Q4 25 | $35.2M | $28.7M | ||
| Q3 25 | $38.8M | $218.7M | ||
| Q2 25 | $42.1M | $26.1M | ||
| Q1 25 | $75.0M | $31.0M | ||
| Q4 24 | $30.0M | $23.5M | ||
| Q3 24 | $33.5M | $34.3M | ||
| Q2 24 | $44.9M | $29.2M | ||
| Q1 24 | $69.9M | $23.2M |
| Q4 25 | — | 41.4% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 41.2% | ||
| Q1 25 | — | 41.1% | ||
| Q4 24 | — | 39.8% | ||
| Q3 24 | — | 40.1% | ||
| Q2 24 | — | 39.6% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | 24.6% | 13.2% | ||
| Q3 25 | 25.9% | 17.2% | ||
| Q2 25 | 24.1% | 11.2% | ||
| Q1 25 | 33.2% | 15.3% | ||
| Q4 24 | 19.8% | 11.4% | ||
| Q3 24 | 20.9% | 14.8% | ||
| Q2 24 | 27.1% | 14.3% | ||
| Q1 24 | 33.8% | 11.7% |
| Q4 25 | 20.3% | 9.9% | ||
| Q3 25 | 20.8% | 76.3% | ||
| Q2 25 | 21.5% | 8.8% | ||
| Q1 25 | 27.3% | 11.7% | ||
| Q4 24 | 16.4% | 9.5% | ||
| Q3 24 | 18.7% | 11.5% | ||
| Q2 24 | 23.8% | 11.2% | ||
| Q1 24 | 27.1% | 9.3% |
| Q4 25 | $1.57 | $1.11 | ||
| Q3 25 | $1.69 | $8.43 | ||
| Q2 25 | $1.81 | $1.01 | ||
| Q1 25 | $3.14 | $1.20 | ||
| Q4 24 | $1.23 | $0.91 | ||
| Q3 24 | $1.34 | $1.32 | ||
| Q2 24 | $1.78 | $1.13 | ||
| Q1 24 | $2.74 | $0.90 |
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 | $103.8M |
| 総負債低いほど良い | $33.5M | $145.5M |
| 株主資本純資産 | $854.5M | $1.6B |
| 総資産 | $7.6B | $2.4B |
| 負債/資本比率低いほどレバレッジが低い | 0.04× | 0.09× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $331.2M | $103.8M | ||
| Q3 25 | $120.6M | $101.3M | ||
| Q2 25 | $258.3M | $78.7M | ||
| Q1 25 | $254.2M | $57.4M | ||
| Q4 24 | $597.4M | $71.3M | ||
| Q3 24 | $158.3M | $66.0M | ||
| Q2 24 | $298.9M | $63.0M | ||
| Q1 24 | $347.9M | $59.4M |
| Q4 25 | $33.5M | $145.5M | ||
| Q3 25 | $33.5M | $186.0M | ||
| Q2 25 | $33.4M | $525.0M | ||
| Q1 25 | $33.4M | $88.0M | ||
| Q4 24 | $33.4M | $112.0M | ||
| Q3 24 | $33.4M | $122.0M | ||
| Q2 24 | $33.3M | $173.0M | ||
| Q1 24 | $33.4M | $191.0M |
| Q4 25 | $854.5M | $1.6B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $819.0M | $1.3B | ||
| Q1 25 | $814.7M | $1.3B | ||
| Q4 24 | $758.3M | $1.2B | ||
| Q3 24 | $822.5M | $1.2B | ||
| Q2 24 | $748.4M | $1.2B | ||
| Q1 24 | $719.5M | $1.2B |
| Q4 25 | $7.6B | $2.4B | ||
| Q3 25 | $7.2B | $2.4B | ||
| Q2 25 | $7.2B | $2.5B | ||
| Q1 25 | $7.0B | $1.8B | ||
| Q4 24 | $7.6B | $1.8B | ||
| Q3 24 | $7.5B | $1.8B | ||
| Q2 24 | $7.5B | $1.8B | ||
| Q1 24 | $7.4B | $1.8B |
| Q4 25 | 0.04× | 0.09× | ||
| Q3 25 | 0.04× | 0.12× | ||
| Q2 25 | 0.04× | 0.40× | ||
| Q1 25 | 0.04× | 0.07× | ||
| Q4 24 | 0.04× | 0.09× | ||
| Q3 24 | 0.04× | 0.10× | ||
| Q2 24 | 0.04× | 0.14× | ||
| Q1 24 | 0.05× | 0.16× |
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 | $68.9M |
| フリーキャッシュフロー営業CF - 設備投資 | $104.1M | $63.0M |
| FCFマージンFCF / 売上 | 60.1% | 21.7% |
| 設備投資強度設備投資 / 売上 | 2.4% | 2.0% |
| キャッシュ転換率営業CF / 純利益 | 3.08× | 2.40× |
| 直近12ヶ月FCF直近4四半期 | $616.8M | $239.6M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $108.3M | $68.9M | ||
| Q3 25 | $303.7M | $109.9M | ||
| Q2 25 | $30.4M | $73.7M | ||
| Q1 25 | $188.3M | $24.1M | ||
| Q4 24 | $-71.7M | $34.2M | ||
| Q3 24 | $143.1M | $72.1M | ||
| Q2 24 | $113.2M | $36.2M | ||
| Q1 24 | $203.0M | $10.5M |
| Q4 25 | $104.1M | $63.0M | ||
| Q3 25 | $300.3M | $97.8M | ||
| Q2 25 | $27.7M | $64.9M | ||
| Q1 25 | $184.7M | $14.0M | ||
| Q4 24 | $-73.8M | $29.0M | ||
| Q3 24 | $138.8M | $60.9M | ||
| Q2 24 | $111.0M | $27.6M | ||
| Q1 24 | $201.3M | $2.0M |
| Q4 25 | 60.1% | 21.7% | ||
| Q3 25 | 160.9% | 34.1% | ||
| Q2 25 | 14.1% | 21.9% | ||
| Q1 25 | 67.2% | 5.3% | ||
| Q4 24 | -40.4% | 11.7% | ||
| Q3 24 | 77.3% | 20.4% | ||
| Q2 24 | 58.8% | 10.6% | ||
| Q1 24 | 78.1% | 0.8% |
| Q4 25 | 2.4% | 2.0% | ||
| Q3 25 | 1.8% | 4.2% | ||
| Q2 25 | 1.4% | 3.0% | ||
| Q1 25 | 1.3% | 3.8% | ||
| Q4 24 | 1.1% | 2.1% | ||
| Q3 24 | 2.4% | 3.8% | ||
| Q2 24 | 1.2% | 3.3% | ||
| Q1 24 | 0.7% | 3.4% |
| Q4 25 | 3.08× | 2.40× | ||
| Q3 25 | 7.83× | 0.50× | ||
| Q2 25 | 0.72× | 2.83× | ||
| Q1 25 | 2.51× | 0.78× | ||
| Q4 24 | -2.39× | 1.46× | ||
| Q3 24 | 4.27× | 2.10× | ||
| Q2 24 | 2.52× | 1.24× | ||
| Q1 24 | 2.90× | 0.45× |
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% |
ESE
| US Government | $98.0M | 34% |
| Utility Solutions Group | $87.5M | 30% |
| RF Shielding And Test | $58.3M | 20% |
| Commercial | $45.8M | 16% |
| Related Party | $1.3M | 0% |
