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PATHWARD FINANCIAL, INC.（CASH）とiRhythm Holdings, Inc.（IRTC）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
iRhythm Holdings, Inc.の直近四半期売上が大きい（$208.9M vs $173.1M、PATHWARD FINANCIAL, INC.の約1.2倍）。PATHWARD FINANCIAL, INC.の純利益率が高く（20.3% vs 2.7%、差は17.6%）。iRhythm Holdings, Inc.の前年同期比売上増加率が高い（27.1% 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 $14.5M）。過去8四半期でiRhythm Holdings, Inc.の売上複合成長率が高い（25.8% 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。
iRhythm Holdingsは心臓ケア分野に特化したデジタルヘルスケア企業で、ウェアラブル型の携帯用心拍モニタリングデバイスとAI搭載の解析ツールを開発・販売しています。主に米国の医療機関と患者を対象に、心房細動などの不整脈の検出を支援し、臨床診断に有用なデータを提供しています。
CASH vs IRTC — 直接比較
損益計算書 — Q1 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $173.1M | $208.9M |
| 純利益 | $35.2M | $5.6M |
| 粗利率 | — | 70.9% |
| 営業利益率 | 24.6% | 1.1% |
| 純利益率 | 20.3% | 2.7% |
| 売上前年比 | -0.2% | 27.1% |
| 純利益前年比 | 11.9% | 518.5% |
| EPS（希薄化後） | $1.57 | $0.18 |
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 | $208.9M | ||
| Q3 25 | $186.7M | $192.9M | ||
| Q2 25 | $195.8M | $186.7M | ||
| Q1 25 | $274.8M | $158.7M | ||
| Q4 24 | $182.6M | $164.3M | ||
| Q3 24 | $179.5M | $147.5M | ||
| Q2 24 | $188.6M | $148.0M | ||
| Q1 24 | $257.6M | $131.9M |
| Q4 25 | $35.2M | $5.6M | ||
| Q3 25 | $38.8M | $-5.2M | ||
| Q2 25 | $42.1M | $-14.2M | ||
| Q1 25 | $75.0M | $-30.7M | ||
| Q4 24 | $30.0M | $-1.3M | ||
| Q3 24 | $33.5M | $-46.2M | ||
| Q2 24 | $44.9M | $-20.1M | ||
| Q1 24 | $69.9M | $-45.7M |
| Q4 25 | — | 70.9% | ||
| Q3 25 | — | 71.1% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 68.8% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | — | 68.8% | ||
| Q2 24 | — | 69.9% | ||
| Q1 24 | — | 66.3% |
| Q4 25 | 24.6% | 1.1% | ||
| Q3 25 | 25.9% | -4.4% | ||
| Q2 25 | 24.1% | -10.0% | ||
| Q1 25 | 33.2% | -20.5% | ||
| Q4 24 | 19.8% | -2.5% | ||
| Q3 24 | 20.9% | -34.1% | ||
| Q2 24 | 27.1% | -15.5% | ||
| Q1 24 | 33.8% | -28.9% |
| Q4 25 | 20.3% | 2.7% | ||
| Q3 25 | 20.8% | -2.7% | ||
| Q2 25 | 21.5% | -7.6% | ||
| Q1 25 | 27.3% | -19.3% | ||
| Q4 24 | 16.4% | -0.8% | ||
| Q3 24 | 18.7% | -31.3% | ||
| Q2 24 | 23.8% | -13.6% | ||
| Q1 24 | 27.1% | -34.6% |
| Q4 25 | $1.57 | $0.18 | ||
| Q3 25 | $1.69 | $-0.16 | ||
| Q2 25 | $1.81 | $-0.44 | ||
| Q1 25 | $3.14 | $-0.97 | ||
| Q4 24 | $1.23 | $-0.03 | ||
| Q3 24 | $1.34 | $-1.48 | ||
| Q2 24 | $1.78 | $-0.65 | ||
| Q1 24 | $2.74 | $-1.47 |
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 | $583.8M |
| 総負債低いほど良い | $33.5M | — |
| 株主資本純資産 | $854.5M | $152.7M |
| 総資産 | $7.6B | $1.0B |
| 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
| Q4 25 | $331.2M | $583.8M | ||
| Q3 25 | $120.6M | $565.2M | ||
| Q2 25 | $258.3M | $545.5M | ||
| Q1 25 | $254.2M | $520.6M | ||
| Q4 24 | $597.4M | $535.6M | ||
| Q3 24 | $158.3M | $522.0M | ||
| Q2 24 | $298.9M | $561.5M | ||
| Q1 24 | $347.9M | $569.1M |
| 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 | $152.7M | ||
| Q3 25 | $858.0M | $121.9M | ||
| Q2 25 | $819.0M | $103.7M | ||
| Q1 25 | $814.7M | $86.7M | ||
| Q4 24 | $758.3M | $90.9M | ||
| Q3 24 | $822.5M | $71.8M | ||
| Q2 24 | $748.4M | $99.2M | ||
| Q1 24 | $719.5M | $90.3M |
| Q4 25 | $7.6B | $1.0B | ||
| Q3 25 | $7.2B | $995.2M | ||
| Q2 25 | $7.2B | $964.0M | ||
| Q1 25 | $7.0B | $926.1M | ||
| Q4 24 | $7.6B | $931.4M | ||
| Q3 24 | $7.5B | $909.7M | ||
| Q2 24 | $7.5B | $919.2M | ||
| Q1 24 | $7.4B | $909.8M |
| 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× | — |
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 | $26.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $104.1M | $14.5M |
| FCFマージンFCF / 売上 | 60.1% | 6.9% |
| 設備投資強度設備投資 / 売上 | 2.4% | 5.6% |
| キャッシュ転換率営業CF / 純利益 | 3.08× | 4.70× |
| 直近12ヶ月FCF直近4四半期 | $616.8M | $34.5M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $108.3M | $26.2M | ||
| Q3 25 | $303.7M | $34.9M | ||
| Q2 25 | $30.4M | $27.7M | ||
| Q1 25 | $188.3M | $-7.9M | ||
| Q4 24 | $-71.7M | $19.2M | ||
| Q3 24 | $143.1M | $24.3M | ||
| Q2 24 | $113.2M | $11.8M | ||
| Q1 24 | $203.0M | $-52.0M |
| Q4 25 | $104.1M | $14.5M | ||
| Q3 25 | $300.3M | $20.1M | ||
| Q2 25 | $27.7M | $17.3M | ||
| Q1 25 | $184.7M | $-17.3M | ||
| Q4 24 | $-73.8M | $12.4M | ||
| Q3 24 | $138.8M | $15.5M | ||
| Q2 24 | $111.0M | $3.4M | ||
| Q1 24 | $201.3M | $-61.8M |
| Q4 25 | 60.1% | 6.9% | ||
| Q3 25 | 160.9% | 10.4% | ||
| Q2 25 | 14.1% | 9.3% | ||
| Q1 25 | 67.2% | -10.9% | ||
| Q4 24 | -40.4% | 7.5% | ||
| Q3 24 | 77.3% | 10.5% | ||
| Q2 24 | 58.8% | 2.3% | ||
| Q1 24 | 78.1% | -46.8% |
| Q4 25 | 2.4% | 5.6% | ||
| Q3 25 | 1.8% | 7.7% | ||
| Q2 25 | 1.4% | 5.6% | ||
| Q1 25 | 1.3% | 5.9% | ||
| Q4 24 | 1.1% | 4.2% | ||
| Q3 24 | 2.4% | 6.0% | ||
| Q2 24 | 1.2% | 5.7% | ||
| Q1 24 | 0.7% | 7.4% |
| Q4 25 | 3.08× | 4.70× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | — |
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% |
IRTC
| Commercial Payors | $111.7M | 53% |
| Centers For Medicare And Medicaid | $49.2M | 24% |
| Healthcare Institutions | $34.3M | 16% |
| Non Contracted Third Party Payors | $13.7M | 7% |
