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ALBANY INTERNATIONAL CORP（AIN）与PATHWARD FINANCIAL, INC.（CASH）财务数据对比。点击上方公司名可切换其他公司
ALBANY INTERNATIONAL CORP的季度营收约是PATHWARD FINANCIAL, INC.的1.2倍（$321.2M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 4.3%，领先22.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 1.2%）
奥尔巴尼国际是全球先进材料与工业技术企业，下设两大核心业务板块：为造纸等工业生产提供定制工程织物的机械织物部门，以及为航空航天、国防领域研发高性能复合材料部件的工程复合材料部门，业务覆盖全球多个区域。
Pathward Financial, Inc.是一家总部位于美国的银行及金融服务企业，其前身为Meta金融集团旗下相关业务主体，2022年母公司将“Meta”商标出售给Meta Platforms后，正式启用现有名称。
AIN vs CASH — 直观对比
营收规模更大
AIN
是对方的1.2倍
$276.3M
净利率更高
CASH
高出22.1%
4.3%
两年增速更快
CASH
近两年复合增速
1.2%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $321.2M | $276.3M |
| 净利润 | $13.9M | $72.9M |
| 毛利率 | 31.1% | — |
| 营业利润率 | 9.3% | — |
| 净利率 | 4.3% | 26.4% |
| 营收同比 | 12.0% | — |
| 净利润同比 | -21.5% | — |
| 每股收益（稀释后） | $0.56 | $3.35 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AINCASH
| Q1 26 | — | $276.3M | ||
| Q4 25 | $321.2M | $173.1M | ||
| Q3 25 | $261.4M | $186.7M | ||
| Q2 25 | $311.4M | $195.8M | ||
| Q1 25 | $288.8M | $274.8M | ||
| Q4 24 | $286.9M | $182.6M | ||
| Q3 24 | $298.4M | $179.5M | ||
| Q2 24 | $332.0M | $188.6M |
净利润AINCASH
| Q1 26 | — | $72.9M | ||
| Q4 25 | $13.9M | $35.2M | ||
| Q3 25 | $-97.8M | $38.8M | ||
| Q2 25 | $9.2M | $42.1M | ||
| Q1 25 | $17.4M | $75.0M | ||
| Q4 24 | $17.7M | $30.0M | ||
| Q3 24 | $18.0M | $33.5M | ||
| Q2 24 | $24.6M | $44.9M |
毛利率AINCASH
| Q1 26 | — | — | ||
| Q4 25 | 31.1% | — | ||
| Q3 25 | -19.1% | — | ||
| Q2 25 | 31.3% | — | ||
| Q1 25 | 33.4% | — | ||
| Q4 24 | 31.5% | — | ||
| Q3 24 | 30.3% | — | ||
| Q2 24 | 33.9% | — |
营业利润率AINCASH
| Q1 26 | — | — | ||
| Q4 25 | 9.3% | 24.6% | ||
| Q3 25 | -44.6% | 25.9% | ||
| Q2 25 | 7.2% | 24.1% | ||
| Q1 25 | 9.8% | 33.2% | ||
| Q4 24 | 8.5% | 19.8% | ||
| Q3 24 | 8.4% | 20.9% | ||
| Q2 24 | 12.9% | 27.1% |
净利率AINCASH
| Q1 26 | — | 26.4% | ||
| Q4 25 | 4.3% | 20.3% | ||
| Q3 25 | -37.4% | 20.8% | ||
| Q2 25 | 2.9% | 21.5% | ||
| Q1 25 | 6.0% | 27.3% | ||
| Q4 24 | 6.2% | 16.4% | ||
| Q3 24 | 6.0% | 18.7% | ||
| Q2 24 | 7.4% | 23.8% |
每股收益（稀释后）AINCASH
| Q1 26 | — | $3.35 | ||
| Q4 25 | $0.56 | $1.57 | ||
| Q3 25 | $-3.37 | $1.69 | ||
| Q2 25 | $0.31 | $1.81 | ||
| Q1 25 | $0.56 | $3.14 | ||
| Q4 24 | $0.57 | $1.23 | ||
| Q3 24 | $0.57 | $1.34 | ||
| Q2 24 | $0.79 | $1.78 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $112.3M | $157.6M |
| 总债务越低越好 | $455.7M | $59.5M |
| 股东权益账面价值 | $726.2M | $850.7M |
| 总资产 | $1.7B | $7.1B |
| 负债/权益比越低杠杆越低 | 0.63× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资AINCASH
| Q1 26 | — | $157.6M | ||
| Q4 25 | $112.3M | $331.2M | ||
| Q3 25 | $108.3M | $120.6M | ||
| Q2 25 | $106.7M | $258.3M | ||
| Q1 25 | $119.4M | $254.2M | ||
| Q4 24 | $115.3M | $597.4M | ||
| Q3 24 | $127.2M | $158.3M | ||
| Q2 24 | $116.4M | $298.9M |
总债务AINCASH
| Q1 26 | — | $59.5M | ||
| Q4 25 | $455.7M | $33.5M | ||
| Q3 25 | $480.6M | $33.5M | ||
| Q2 25 | $444.7M | $33.4M | ||
| Q1 25 | $416.4M | $33.4M | ||
| Q4 24 | $318.5M | $33.4M | ||
| Q3 24 | $362.2M | $33.4M | ||
| Q2 24 | $377.1M | $33.3M |
股东权益AINCASH
| Q1 26 | — | $850.7M | ||
| Q4 25 | $726.2M | $854.5M | ||
| Q3 25 | $739.3M | $858.0M | ||
| Q2 25 | $888.6M | $819.0M | ||
| Q1 25 | $900.0M | $814.7M | ||
| Q4 24 | $943.5M | $758.3M | ||
| Q3 24 | $991.0M | $822.5M | ||
| Q2 24 | $967.5M | $748.4M |
总资产AINCASH
| Q1 26 | — | $7.1B | ||
| Q4 25 | $1.7B | $7.6B | ||
| Q3 25 | $1.7B | $7.2B | ||
| Q2 25 | $1.7B | $7.2B | ||
| Q1 25 | $1.7B | $7.0B | ||
| Q4 24 | $1.6B | $7.6B | ||
| Q3 24 | $1.8B | $7.5B | ||
| Q2 24 | $1.8B | $7.5B |
负债/权益比AINCASH
| Q1 26 | — | 0.07× | ||
| Q4 25 | 0.63× | 0.04× | ||
| Q3 25 | 0.65× | 0.04× | ||
| Q2 25 | 0.50× | 0.04× | ||
| Q1 25 | 0.46× | 0.04× | ||
| Q4 24 | 0.34× | 0.04× | ||
| Q3 24 | 0.37× | 0.04× | ||
| Q2 24 | 0.39× | 0.04× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $73.7M | — |
| 自由现金流经营现金流 - 资本支出 | $51.4M | — |
| 自由现金流率自由现金流/营收 | 16.0% | — |
| 资本支出强度资本支出/营收 | 6.9% | — |
| 现金转化率经营现金流/净利润 | 5.31× | — |
| 过去12个月自由现金流最近4个季度 | $82.6M | — |
8季度趋势，按日历期对齐
经营现金流AINCASH
| Q1 26 | — | — | ||
| Q4 25 | $73.7M | $108.3M | ||
| Q3 25 | $43.9M | $303.7M | ||
| Q2 25 | $32.7M | $30.4M | ||
| Q1 25 | $2.1M | $188.3M | ||
| Q4 24 | $78.5M | $-71.7M | ||
| Q3 24 | $47.0M | $143.1M | ||
| Q2 24 | $83.4M | $113.2M |
自由现金流AINCASH
| Q1 26 | — | — | ||
| Q4 25 | $51.4M | $104.1M | ||
| Q3 25 | $25.9M | $300.3M | ||
| Q2 25 | $18.8M | $27.7M | ||
| Q1 25 | $-13.5M | $184.7M | ||
| Q4 24 | $60.2M | $-73.8M | ||
| Q3 24 | $31.6M | $138.8M | ||
| Q2 24 | $63.6M | $111.0M |
自由现金流率AINCASH
| Q1 26 | — | — | ||
| Q4 25 | 16.0% | 60.1% | ||
| Q3 25 | 9.9% | 160.9% | ||
| Q2 25 | 6.0% | 14.1% | ||
| Q1 25 | -4.7% | 67.2% | ||
| Q4 24 | 21.0% | -40.4% | ||
| Q3 24 | 10.6% | 77.3% | ||
| Q2 24 | 19.2% | 58.8% |
资本支出强度AINCASH
| Q1 26 | — | — | ||
| Q4 25 | 6.9% | 2.4% | ||
| Q3 25 | 6.9% | 1.8% | ||
| Q2 25 | 4.5% | 1.4% | ||
| Q1 25 | 5.4% | 1.3% | ||
| Q4 24 | 6.4% | 1.1% | ||
| Q3 24 | 5.2% | 2.4% | ||
| Q2 24 | 6.0% | 1.2% |
现金转化率AINCASH
| Q1 26 | — | — | ||
| Q4 25 | 5.31× | 3.08× | ||
| Q3 25 | — | 7.83× | ||
| Q2 25 | 3.56× | 0.72× | ||
| Q1 25 | 0.12× | 2.51× | ||
| Q4 24 | 4.44× | -2.39× | ||
| Q3 24 | 2.61× | 4.27× | ||
| Q2 24 | 3.39× | 2.52× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AIN
| Transferred At Point In Time | $176.5M | 55% |
| Engineered Composites Other | $99.3M | 31% |
| Engineered Composites ASC | $44.5M | 14% |
| Transferred Over Time | $1.0M | 0% |
CASH
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
