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PATHWARD FINANCIAL, INC.（CASH）とLoar Holdings Inc.（LOAR）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
PATHWARD FINANCIAL, INC.の直近四半期売上が大きい（$276.3M vs $131.8M、Loar Holdings Inc.の約2.1倍）。PATHWARD FINANCIAL, INC.の純利益率が高く（26.4% vs 9.5%、差は16.9%）。過去8四半期でPATHWARD FINANCIAL, INC.の売上複合成長率が高い（21.0% vs 19.8%）
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 LOAR — 直接比較
売上が大きい
CASH
2.1倍大きい
$131.8M
純利益率が高い
CASH
純利益率が16.9%高い
9.5%
2年売上CAGRが高い
CASH
2年複合成長率
19.8%
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $276.3M | $131.8M |
| 純利益 | $72.9M | $12.5M |
| 粗利率 | — | 52.1% |
| 営業利益率 | — | 18.0% |
| 純利益率 | 26.4% | 9.5% |
| 売上前年比 | — | 19.3% |
| 純利益前年比 | — | 239.5% |
| EPS（希薄化後） | $3.35 | $0.13 |
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CASHLOAR
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $131.8M | ||
| Q3 25 | $186.7M | $126.8M | ||
| Q2 25 | $195.8M | $123.1M | ||
| Q1 25 | $274.8M | $114.7M | ||
| Q4 24 | $182.6M | $110.4M | ||
| Q3 24 | $179.5M | $103.5M | ||
| Q2 24 | $188.6M | $97.0M |
純利益CASHLOAR
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $12.5M | ||
| Q3 25 | $38.8M | $27.6M | ||
| Q2 25 | $42.1M | $16.7M | ||
| Q1 25 | $75.0M | $15.3M | ||
| Q4 24 | $30.0M | $3.7M | ||
| Q3 24 | $33.5M | $8.7M | ||
| Q2 24 | $44.9M | $7.6M |
粗利率CASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | — | 52.1% | ||
| Q3 25 | — | 52.7% | ||
| Q2 25 | — | 53.8% | ||
| Q1 25 | — | 52.1% | ||
| Q4 24 | — | 48.9% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 49.0% |
営業利益率CASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 18.0% | ||
| Q3 25 | 25.9% | 22.9% | ||
| Q2 25 | 24.1% | 22.2% | ||
| Q1 25 | 33.2% | 22.8% | ||
| Q4 24 | 19.8% | 19.2% | ||
| Q3 24 | 20.9% | 22.1% | ||
| Q2 24 | 27.1% | 22.9% |
純利益率CASHLOAR
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 9.5% | ||
| Q3 25 | 20.8% | 21.8% | ||
| Q2 25 | 21.5% | 13.6% | ||
| Q1 25 | 27.3% | 13.4% | ||
| Q4 24 | 16.4% | 3.3% | ||
| Q3 24 | 18.7% | 8.4% | ||
| Q2 24 | 23.8% | 7.9% |
EPS（希薄化後）CASHLOAR
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.13 | ||
| Q3 25 | $1.69 | $0.29 | ||
| Q2 25 | $1.81 | $0.17 | ||
| Q1 25 | $3.14 | $0.16 | ||
| Q4 24 | $1.23 | $-11023.48 | ||
| Q3 24 | $1.34 | $0.09 | ||
| Q2 24 | $1.78 | $0.09 |
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 | $157.6M | $84.8M |
| 総負債低いほど良い | $59.5M | $715.7M |
| 株主資本純資産 | $850.7M | $1.2B |
| 総資産 | $7.1B | $2.0B |
| 負債/資本比率低いほどレバレッジが低い | 0.07× | 0.61× |
8四半期トレンド — 暦四半期で整列
現金・短期投資CASHLOAR
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $84.8M | ||
| Q3 25 | $120.6M | $99.0M | ||
| Q2 25 | $258.3M | $103.3M | ||
| Q1 25 | $254.2M | $80.5M | ||
| Q4 24 | $597.4M | $54.1M | ||
| Q3 24 | $158.3M | $55.2M | ||
| Q2 24 | $298.9M | $73.2M |
総負債CASHLOAR
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $715.7M | ||
| Q3 25 | $33.5M | $279.4M | ||
| Q2 25 | $33.4M | $277.7M | ||
| Q1 25 | $33.4M | $277.5M | ||
| Q4 24 | $33.4M | $277.3M | ||
| Q3 24 | $33.4M | $602.1M | ||
| Q2 24 | $33.3M | $250.7M |
株主資本CASHLOAR
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.2B | ||
| Q3 25 | $858.0M | $1.2B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.1B | ||
| Q3 24 | $822.5M | $769.8M | ||
| Q2 24 | $748.4M | $758.4M |
総資産CASHLOAR
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.0B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.5B | ||
| Q1 25 | $7.0B | $1.5B | ||
| Q4 24 | $7.6B | $1.5B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.1B |
負債/資本比率CASHLOAR
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.61× | ||
| Q3 25 | 0.04× | 0.24× | ||
| Q2 25 | 0.04× | 0.25× | ||
| Q1 25 | 0.04× | 0.25× | ||
| Q4 24 | 0.04× | 0.25× | ||
| Q3 24 | 0.04× | 0.78× | ||
| Q2 24 | 0.04× | 0.33× |
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 | — | $30.4M |
| フリーキャッシュフロー営業CF - 設備投資 | — | — |
| FCFマージンFCF / 売上 | — | — |
| 設備投資強度設備投資 / 売上 | — | — |
| キャッシュ転換率営業CF / 純利益 | — | 2.43× |
| 直近12ヶ月FCF直近4四半期 | — | — |
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CASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $30.4M | ||
| Q3 25 | $303.7M | $29.7M | ||
| Q2 25 | $30.4M | $23.8M | ||
| Q1 25 | $188.3M | $28.4M | ||
| Q4 24 | $-71.7M | $20.7M | ||
| Q3 24 | $143.1M | $16.3M | ||
| Q2 24 | $113.2M | $7.1M |
フリーキャッシュフローCASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | — |
FCFマージンCASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | — |
設備投資強度CASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
キャッシュ転換率CASHLOAR
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 2.43× | ||
| Q3 25 | 7.83× | 1.08× | ||
| Q2 25 | 0.72× | 1.42× | ||
| Q1 25 | 2.51× | 1.85× | ||
| Q4 24 | -2.39× | 5.62× | ||
| Q3 24 | 4.27× | 1.89× | ||
| Q2 24 | 2.52× | 0.93× |
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
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
