vs
PATHWARD FINANCIAL, INC.（CASH）とWD 40 CO（WDFC）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（$173.1M vs $154.4M、WD 40 COの約1.1倍）。PATHWARD FINANCIAL, INC.の純利益率が高く（20.3% vs 11.3%、差は9.0%）。WD 40 COの前年同期比売上増加率が高い（0.6% 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 $9.1M）。過去8四半期でWD 40 COの売上複合成長率が高い（5.4% 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。
WD-40カンパニーは同名の多目的防錆潤滑剤で広く知られる世界的な消費財・産業用資材メーカーです。洗浄剤、脱脂剤、特殊潤滑剤などの製品を取り扱い、170カ国以上の小売、産業、自動車分野の市場に商品を提供しています。
CASH vs WDFC — 直接比較
売上が大きい
CASH
1.1倍大きい
$154.4M
売上成長率が高い
WDFC
+0.8%の差
-0.2%
純利益率が高い
CASH
純利益率が9.0%高い
11.3%
フリーキャッシュフローが多い
CASH
FCF $95.0M多い
$9.1M
2年売上CAGRが高い
WDFC
2年複合成長率
-18.0%
損益計算書 — Q1 FY2026 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $173.1M | $154.4M |
| 純利益 | $35.2M | $17.5M |
| 粗利率 | — | 56.2% |
| 営業利益率 | 24.6% | 15.1% |
| 純利益率 | 20.3% | 11.3% |
| 売上前年比 | -0.2% | 0.6% |
| 純利益前年比 | 11.9% | -7.8% |
| EPS（希薄化後） | $1.57 | $1.28 |
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CASHWDFC
| Q4 25 | $173.1M | $154.4M | ||
| Q3 25 | $186.7M | $163.5M | ||
| Q2 25 | $195.8M | $156.9M | ||
| Q1 25 | $274.8M | $146.1M | ||
| Q4 24 | $182.6M | $153.5M | ||
| Q3 24 | $179.5M | $156.0M | ||
| Q2 24 | $188.6M | $155.0M | ||
| Q1 24 | $257.6M | $139.1M |
純利益CASHWDFC
| Q4 25 | $35.2M | $17.5M | ||
| Q3 25 | $38.8M | $21.2M | ||
| Q2 25 | $42.1M | $21.0M | ||
| Q1 25 | $75.0M | $29.9M | ||
| Q4 24 | $30.0M | $18.9M | ||
| Q3 24 | $33.5M | $16.8M | ||
| Q2 24 | $44.9M | $19.8M | ||
| Q1 24 | $69.9M | $15.5M |
粗利率CASHWDFC
| Q4 25 | — | 56.2% | ||
| Q3 25 | — | 54.7% | ||
| Q2 25 | — | 56.2% | ||
| Q1 25 | — | 54.6% | ||
| Q4 24 | — | 54.8% | ||
| Q3 24 | — | 54.1% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 52.4% |
営業利益率CASHWDFC
| Q4 25 | 24.6% | 15.1% | ||
| Q3 25 | 25.9% | 17.1% | ||
| Q2 25 | 24.1% | 17.4% | ||
| Q1 25 | 33.2% | 15.9% | ||
| Q4 24 | 19.8% | 16.4% | ||
| Q3 24 | 20.9% | 15.4% | ||
| Q2 24 | 27.1% | 17.5% | ||
| Q1 24 | 33.8% | 15.1% |
純利益率CASHWDFC
| Q4 25 | 20.3% | 11.3% | ||
| Q3 25 | 20.8% | 13.0% | ||
| Q2 25 | 21.5% | 13.4% | ||
| Q1 25 | 27.3% | 20.4% | ||
| Q4 24 | 16.4% | 12.3% | ||
| Q3 24 | 18.7% | 10.8% | ||
| Q2 24 | 23.8% | 12.8% | ||
| Q1 24 | 27.1% | 11.2% |
EPS（希薄化後）CASHWDFC
| Q4 25 | $1.57 | $1.28 | ||
| Q3 25 | $1.69 | $1.57 | ||
| Q2 25 | $1.81 | $1.54 | ||
| Q1 25 | $3.14 | $2.19 | ||
| Q4 24 | $1.23 | $1.39 | ||
| Q3 24 | $1.34 | $1.23 | ||
| Q2 24 | $1.78 | $1.46 | ||
| Q1 24 | $2.74 | $1.14 |
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 | $48.6M |
| 総負債低いほど良い | $33.5M | $85.7M |
| 株主資本純資産 | $854.5M | $264.1M |
| 総資産 | $7.6B | $459.7M |
| 負債/資本比率低いほどレバレッジが低い | 0.04× | 0.32× |
8四半期トレンド — 暦四半期で整列
現金・短期投資CASHWDFC
| Q4 25 | $331.2M | $48.6M | ||
| Q3 25 | $120.6M | $58.1M | ||
| Q2 25 | $258.3M | $51.7M | ||
| Q1 25 | $254.2M | $53.0M | ||
| Q4 24 | $597.4M | $54.9M | ||
| Q3 24 | $158.3M | $46.7M | ||
| Q2 24 | $298.9M | $45.3M | ||
| Q1 24 | $347.9M | $55.4M |
総負債CASHWDFC
| Q4 25 | $33.5M | $85.7M | ||
| Q3 25 | $33.5M | $86.2M | ||
| Q2 25 | $33.4M | $85.6M | ||
| Q1 25 | $33.4M | $84.4M | ||
| Q4 24 | $33.4M | $84.6M | ||
| Q3 24 | $33.4M | $86.0M | ||
| Q2 24 | $33.3M | $85.5M | ||
| Q1 24 | $33.4M | $85.9M |
株主資本CASHWDFC
| Q4 25 | $854.5M | $264.1M | ||
| Q3 25 | $858.0M | $268.2M | ||
| Q2 25 | $819.0M | $257.1M | ||
| Q1 25 | $814.7M | $242.1M | ||
| Q4 24 | $758.3M | $226.3M | ||
| Q3 24 | $822.5M | $230.5M | ||
| Q2 24 | $748.4M | $222.2M | ||
| Q1 24 | $719.5M | $216.3M |
総資産CASHWDFC
| Q4 25 | $7.6B | $459.7M | ||
| Q3 25 | $7.2B | $475.8M | ||
| Q2 25 | $7.2B | $456.0M | ||
| Q1 25 | $7.0B | $458.3M | ||
| Q4 24 | $7.6B | $447.3M | ||
| Q3 24 | $7.5B | $449.0M | ||
| Q2 24 | $7.5B | $443.6M | ||
| Q1 24 | $7.4B | $442.0M |
負債/資本比率CASHWDFC
| Q4 25 | 0.04× | 0.32× | ||
| Q3 25 | 0.04× | 0.32× | ||
| Q2 25 | 0.04× | 0.33× | ||
| Q1 25 | 0.04× | 0.35× | ||
| Q4 24 | 0.04× | 0.37× | ||
| Q3 24 | 0.04× | 0.37× | ||
| Q2 24 | 0.04× | 0.38× | ||
| Q1 24 | 0.05× | 0.40× |
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 | $10.0M |
| フリーキャッシュフロー営業CF - 設備投資 | $104.1M | $9.1M |
| FCFマージンFCF / 売上 | 60.1% | 5.9% |
| 設備投資強度設備投資 / 売上 | 2.4% | 0.6% |
| キャッシュ転換率営業CF / 純利益 | 3.08× | 0.57× |
| 直近12ヶ月FCF直近4四半期 | $616.8M | $78.2M |
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CASHWDFC
| Q4 25 | $108.3M | $10.0M | ||
| Q3 25 | $303.7M | $29.9M | ||
| Q2 25 | $30.4M | $35.1M | ||
| Q1 25 | $188.3M | $8.0M | ||
| Q4 24 | $-71.7M | $14.9M | ||
| Q3 24 | $143.1M | $27.2M | ||
| Q2 24 | $113.2M | $19.9M | ||
| Q1 24 | $203.0M | $18.0M |
フリーキャッシュフローCASHWDFC
| Q4 25 | $104.1M | $9.1M | ||
| Q3 25 | $300.3M | $28.6M | ||
| Q2 25 | $27.7M | $34.0M | ||
| Q1 25 | $184.7M | $6.6M | ||
| Q4 24 | $-73.8M | $14.2M | ||
| Q3 24 | $138.8M | $26.4M | ||
| Q2 24 | $111.0M | $18.7M | ||
| Q1 24 | $201.3M | $16.7M |
FCFマージンCASHWDFC
| Q4 25 | 60.1% | 5.9% | ||
| Q3 25 | 160.9% | 17.5% | ||
| Q2 25 | 14.1% | 21.6% | ||
| Q1 25 | 67.2% | 4.5% | ||
| Q4 24 | -40.4% | 9.3% | ||
| Q3 24 | 77.3% | 16.9% | ||
| Q2 24 | 58.8% | 12.0% | ||
| Q1 24 | 78.1% | 12.0% |
設備投資強度CASHWDFC
| Q4 25 | 2.4% | 0.6% | ||
| Q3 25 | 1.8% | 0.8% | ||
| Q2 25 | 1.4% | 0.7% | ||
| Q1 25 | 1.3% | 0.9% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.5% | ||
| Q2 24 | 1.2% | 0.8% | ||
| Q1 24 | 0.7% | 0.9% |
キャッシュ転換率CASHWDFC
| Q4 25 | 3.08× | 0.57× | ||
| Q3 25 | 7.83× | 1.41× | ||
| Q2 25 | 0.72× | 1.67× | ||
| Q1 25 | 2.51× | 0.27× | ||
| Q4 24 | -2.39× | 0.79× | ||
| Q3 24 | 4.27× | 1.62× | ||
| Q2 24 | 2.52× | 1.00× | ||
| Q1 24 | 2.90× | 1.16× |
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% |
WDFC
| Other | $82.6M | 53% |
| WD40Multi Use Product | $56.0M | 36% |
| WD40Specialist | $9.0M | 6% |
| Other Maintenance Products | $4.0M | 3% |
| Homecare And Cleaning Products | $2.7M | 2% |
