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PATHWARD FINANCIAL, INC.（CASH）とMDU RESOURCES GROUP INC（MDU）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
MDU RESOURCES GROUP INCの直近四半期売上が大きい（$522.6M vs $276.3M、PATHWARD FINANCIAL, INC.の約1.9倍）。PATHWARD FINANCIAL, INC.の純利益率が高く（26.4% vs 14.6%、差は11.8%）。過去8四半期でPATHWARD FINANCIAL, INC.の売上複合成長率が高い（21.0% vs -5.7%）
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。
MDUリソーシズグループは米国ノースダコタ州ビスマルクに本社を置く企業で、規制対象のエネルギー供給、公益事業関連の建設資材・サービスを提供しており、米国48州で事業を展開しています。
CASH vs MDU — 直接比較
売上が大きい
MDU
1.9倍大きい
$276.3M
純利益率が高い
CASH
純利益率が11.8%高い
14.6%
2年売上CAGRが高い
CASH
2年複合成長率
-5.7%
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $276.3M | $522.6M |
| 純利益 | $72.9M | $76.3M |
| 粗利率 | — | — |
| 営業利益率 | — | 20.5% |
| 純利益率 | 26.4% | 14.6% |
| 売上前年比 | — | -1.6% |
| 純利益前年比 | — | 38.4% |
| EPS（希薄化後） | $3.35 | $0.37 |
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CASHMDU
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $522.6M | ||
| Q3 25 | $186.7M | $313.6M | ||
| Q2 25 | $195.8M | $348.7M | ||
| Q1 25 | $274.8M | $678.0M | ||
| Q4 24 | $182.6M | $531.0M | ||
| Q3 24 | $179.5M | $290.7M | ||
| Q2 24 | $188.6M | $343.1M |
純利益CASHMDU
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $76.3M | ||
| Q3 25 | $38.8M | $18.3M | ||
| Q2 25 | $42.1M | $13.8M | ||
| Q1 25 | $75.0M | $82.0M | ||
| Q4 24 | $30.0M | $55.2M | ||
| Q3 24 | $33.5M | $64.6M | ||
| Q2 24 | $44.9M | $60.4M |
営業利益率CASHMDU
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 20.5% | ||
| Q3 25 | 25.9% | 12.7% | ||
| Q2 25 | 24.1% | 8.7% | ||
| Q1 25 | 33.2% | 16.6% | ||
| Q4 24 | 19.8% | 17.8% | ||
| Q3 24 | 20.9% | 12.0% | ||
| Q2 24 | 27.1% | 11.5% |
純利益率CASHMDU
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 14.6% | ||
| Q3 25 | 20.8% | 5.8% | ||
| Q2 25 | 21.5% | 4.0% | ||
| Q1 25 | 27.3% | 12.1% | ||
| Q4 24 | 16.4% | 10.4% | ||
| Q3 24 | 18.7% | 22.2% | ||
| Q2 24 | 23.8% | 17.6% |
EPS（希薄化後）CASHMDU
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.37 | ||
| Q3 25 | $1.69 | $0.09 | ||
| Q2 25 | $1.81 | $0.07 | ||
| Q1 25 | $3.14 | $0.40 | ||
| Q4 24 | $1.23 | $0.26 | ||
| Q3 24 | $1.34 | $0.32 | ||
| Q2 24 | $1.78 | $0.30 |
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 | $28.2M |
| 総負債低いほど良い | $59.5M | $2.7B |
| 株主資本純資産 | $850.7M | $2.8B |
| 総資産 | $7.1B | $7.6B |
| 負債/資本比率低いほどレバレッジが低い | 0.07× | 0.97× |
8四半期トレンド — 暦四半期で整列
現金・短期投資CASHMDU
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $28.2M | ||
| Q3 25 | $120.6M | $75.9M | ||
| Q2 25 | $258.3M | $58.8M | ||
| Q1 25 | $254.2M | $59.5M | ||
| Q4 24 | $597.4M | $66.9M | ||
| Q3 24 | $158.3M | $88.3M | ||
| Q2 24 | $298.9M | $78.8M |
総負債CASHMDU
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $2.7B | ||
| Q3 25 | $33.5M | $2.4B | ||
| Q2 25 | $33.4M | $2.2B | ||
| Q1 25 | $33.4M | $2.2B | ||
| Q4 24 | $33.4M | $2.3B | ||
| Q3 24 | $33.4M | $2.3B | ||
| Q2 24 | $33.3M | $2.3B |
株主資本CASHMDU
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $2.8B | ||
| Q3 25 | $858.0M | $2.7B | ||
| Q2 25 | $819.0M | $2.7B | ||
| Q1 25 | $814.7M | $2.7B | ||
| Q4 24 | $758.3M | $2.7B | ||
| Q3 24 | $822.5M | $3.1B | ||
| Q2 24 | $748.4M | $3.0B |
総資産CASHMDU
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $7.6B | ||
| Q3 25 | $7.2B | $7.2B | ||
| Q2 25 | $7.2B | $6.9B | ||
| Q1 25 | $7.0B | $7.0B | ||
| Q4 24 | $7.6B | $7.0B | ||
| Q3 24 | $7.5B | $8.2B | ||
| Q2 24 | $7.5B | $8.0B |
負債/資本比率CASHMDU
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.97× | ||
| Q3 25 | 0.04× | 0.86× | ||
| Q2 25 | 0.04× | 0.80× | ||
| Q1 25 | 0.04× | 0.80× | ||
| Q4 24 | 0.04× | 0.85× | ||
| Q3 24 | 0.04× | 0.76× | ||
| Q2 24 | 0.04× | 0.75× |
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 | — | $80.6M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $-336.0M |
| FCFマージンFCF / 売上 | — | -64.3% |
| 設備投資強度設備投資 / 売上 | — | 79.7% |
| キャッシュ転換率営業CF / 純利益 | — | 1.06× |
| 直近12ヶ月FCF直近4四半期 | — | $-297.0M |
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CASHMDU
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $80.6M | ||
| Q3 25 | $303.7M | $57.9M | ||
| Q2 25 | $30.4M | $117.4M | ||
| Q1 25 | $188.3M | $217.5M | ||
| Q4 24 | $-71.7M | $60.5M | ||
| Q3 24 | $143.1M | $140.2M | ||
| Q2 24 | $113.2M | $136.5M |
フリーキャッシュフローCASHMDU
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-336.0M | ||
| Q3 25 | $300.3M | $-121.9M | ||
| Q2 25 | $27.7M | $36.5M | ||
| Q1 25 | $184.7M | $124.4M | ||
| Q4 24 | $-73.8M | $-95.8M | ||
| Q3 24 | $138.8M | $673.0K | ||
| Q2 24 | $111.0M | $26.5M |
FCFマージンCASHMDU
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -64.3% | ||
| Q3 25 | 160.9% | -38.9% | ||
| Q2 25 | 14.1% | 10.5% | ||
| Q1 25 | 67.2% | 18.4% | ||
| Q4 24 | -40.4% | -18.0% | ||
| Q3 24 | 77.3% | 0.2% | ||
| Q2 24 | 58.8% | 7.7% |
設備投資強度CASHMDU
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 79.7% | ||
| Q3 25 | 1.8% | 57.3% | ||
| Q2 25 | 1.4% | 23.2% | ||
| Q1 25 | 1.3% | 13.7% | ||
| Q4 24 | 1.1% | 29.4% | ||
| Q3 24 | 2.4% | 48.0% | ||
| Q2 24 | 1.2% | 32.0% |
キャッシュ転換率CASHMDU
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.06× | ||
| Q3 25 | 7.83× | 3.16× | ||
| Q2 25 | 0.72× | 8.52× | ||
| Q1 25 | 2.51× | 2.65× | ||
| Q4 24 | -2.39× | 1.10× | ||
| Q3 24 | 4.27× | 2.17× | ||
| Q2 24 | 2.52× | 2.26× |
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% |
MDU
| Natural Gas Distribution | $382.8M | 73% |
| Commercial Utility Sales | $42.7M | 8% |
| Residential Utility Sales | $33.7M | 6% |
| Pipelineand Midstream | $31.1M | 6% |
| Natural Gas Transportation | $17.2M | 3% |
| Industrial Utility Sales | $10.1M | 2% |
| Natural Gas Storage | $6.4M | 1% |
| Other Utility Sales | $1.9M | 0% |
