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PATHWARD FINANCIAL, INC.（CASH）与Certara, Inc.（CERT）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是Certara, Inc.的1.7倍（$173.1M vs $103.6M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -5.7%，领先26.0%），Certara, Inc.同比增速更快（3.3% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $27.8M），过去两年Certara, Inc.的营收复合增速更高（3.6% vs -18.0%）
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。
Certara是全球领先的生物制药软件及咨询服务提供商，专注于建模模拟、监管科学领域的解决方案，服务药企、生物技术企业及医疗相关方，覆盖药物研发全周期，助力加快新疗法上市，降低研发风险与综合成本。
CASH vs CERT — 直观对比
营收规模更大
CASH
是对方的1.7倍
$103.6M
营收增速更快
CERT
高出3.5%
-0.2%
净利率更高
CASH
高出26.0%
-5.7%
自由现金流更多
CASH
多$76.3M
$27.8M
两年增速更快
CERT
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $103.6M |
| 净利润 | $35.2M | $-5.9M |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | 0.8% |
| 净利率 | 20.3% | -5.7% |
| 营收同比 | -0.2% | 3.3% |
| 净利润同比 | 11.9% | -189.6% |
| 每股收益（稀释后） | $1.57 | $-0.04 |
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CASHCERT
| Q4 25 | $173.1M | $103.6M | ||
| Q3 25 | $186.7M | $104.6M | ||
| Q2 25 | $195.8M | $104.6M | ||
| Q1 25 | $274.8M | $106.0M | ||
| Q4 24 | $182.6M | $100.4M | ||
| Q3 24 | $179.5M | $94.8M | ||
| Q2 24 | $188.6M | $93.3M | ||
| Q1 24 | $257.6M | $96.7M |
净利润CASHCERT
| Q4 25 | $35.2M | $-5.9M | ||
| Q3 25 | $38.8M | $1.5M | ||
| Q2 25 | $42.1M | $-2.0M | ||
| Q1 25 | $75.0M | $4.7M | ||
| Q4 24 | $30.0M | $6.6M | ||
| Q3 24 | $33.5M | $-1.4M | ||
| Q2 24 | $44.9M | $-12.6M | ||
| Q1 24 | $69.9M | $-4.7M |
营业利润率CASHCERT
| Q4 25 | 24.6% | 0.8% | ||
| Q3 25 | 25.9% | 2.9% | ||
| Q2 25 | 24.1% | 9.1% | ||
| Q1 25 | 33.2% | 7.2% | ||
| Q4 24 | 19.8% | 6.0% | ||
| Q3 24 | 20.9% | 2.7% | ||
| Q2 24 | 27.1% | -9.7% | ||
| Q1 24 | 33.8% | -1.3% |
净利率CASHCERT
| Q4 25 | 20.3% | -5.7% | ||
| Q3 25 | 20.8% | 1.5% | ||
| Q2 25 | 21.5% | -1.9% | ||
| Q1 25 | 27.3% | 4.5% | ||
| Q4 24 | 16.4% | 6.6% | ||
| Q3 24 | 18.7% | -1.4% | ||
| Q2 24 | 23.8% | -13.5% | ||
| Q1 24 | 27.1% | -4.8% |
每股收益（稀释后）CASHCERT
| Q4 25 | $1.57 | $-0.04 | ||
| Q3 25 | $1.69 | $0.01 | ||
| Q2 25 | $1.81 | $-0.01 | ||
| Q1 25 | $3.14 | $0.03 | ||
| Q4 24 | $1.23 | $0.04 | ||
| Q3 24 | $1.34 | $-0.01 | ||
| Q2 24 | $1.78 | $-0.08 | ||
| Q1 24 | $2.74 | $-0.03 |
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 | $331.2M | $189.4M |
| 总债务越低越好 | $33.5M | $293.1M |
| 股东权益账面价值 | $854.5M | $1.1B |
| 总资产 | $7.6B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.04× | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资CASHCERT
| Q4 25 | $331.2M | $189.4M | ||
| Q3 25 | $120.6M | $172.7M | ||
| Q2 25 | $258.3M | $162.3M | ||
| Q1 25 | $254.2M | $179.1M | ||
| Q4 24 | $597.4M | $179.2M | ||
| Q3 24 | $158.3M | $233.0M | ||
| Q2 24 | $298.9M | $224.6M | ||
| Q1 24 | $347.9M | $224.8M |
总债务CASHCERT
| Q4 25 | $33.5M | $293.1M | ||
| Q3 25 | $33.5M | $293.5M | ||
| Q2 25 | $33.4M | $294.2M | ||
| Q1 25 | $33.4M | $294.8M | ||
| Q4 24 | $33.4M | $295.4M | ||
| Q3 24 | $33.4M | $296.1M | ||
| Q2 24 | $33.3M | $296.7M | ||
| Q1 24 | $33.4M | $290.8M |
股东权益CASHCERT
| Q4 25 | $854.5M | $1.1B | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.1B | ||
| Q3 24 | $822.5M | $1.1B | ||
| Q2 24 | $748.4M | $1.0B | ||
| Q1 24 | $719.5M | $1.1B |
总资产CASHCERT
| Q4 25 | $7.6B | $1.6B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.5B | ||
| Q1 25 | $7.0B | $1.6B | ||
| Q4 24 | $7.6B | $1.6B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.5B | ||
| Q1 24 | $7.4B | $1.5B |
负债/权益比CASHCERT
| Q4 25 | 0.04× | 0.28× | ||
| Q3 25 | 0.04× | 0.28× | ||
| Q2 25 | 0.04× | 0.27× | ||
| Q1 25 | 0.04× | 0.27× | ||
| Q4 24 | 0.04× | 0.28× | ||
| Q3 24 | 0.04× | 0.28× | ||
| Q2 24 | 0.04× | 0.28× | ||
| Q1 24 | 0.05× | 0.28× |
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 | $108.3M | $28.8M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $27.8M |
| 自由现金流率自由现金流/营收 | 60.1% | 26.8% |
| 资本支出强度资本支出/营收 | 2.4% | 1.0% |
| 现金转化率经营现金流/净利润 | 3.08× | — |
| 过去12个月自由现金流最近4个季度 | $616.8M | $94.4M |
8季度趋势，按日历期对齐
经营现金流CASHCERT
| Q4 25 | $108.3M | $28.8M | ||
| Q3 25 | $303.7M | $32.3M | ||
| Q2 25 | $30.4M | $17.8M | ||
| Q1 25 | $188.3M | $17.4M | ||
| Q4 24 | $-71.7M | $49.4M | ||
| Q3 24 | $143.1M | $17.0M | ||
| Q2 24 | $113.2M | $9.8M | ||
| Q1 24 | $203.0M | $4.3M |
自由现金流CASHCERT
| Q4 25 | $104.1M | $27.8M | ||
| Q3 25 | $300.3M | $32.1M | ||
| Q2 25 | $27.7M | $17.8M | ||
| Q1 25 | $184.7M | $16.8M | ||
| Q4 24 | $-73.8M | $49.0M | ||
| Q3 24 | $138.8M | $16.8M | ||
| Q2 24 | $111.0M | $9.4M | ||
| Q1 24 | $201.3M | $3.7M |
自由现金流率CASHCERT
| Q4 25 | 60.1% | 26.8% | ||
| Q3 25 | 160.9% | 30.7% | ||
| Q2 25 | 14.1% | 17.0% | ||
| Q1 25 | 67.2% | 15.8% | ||
| Q4 24 | -40.4% | 48.8% | ||
| Q3 24 | 77.3% | 17.7% | ||
| Q2 24 | 58.8% | 10.1% | ||
| Q1 24 | 78.1% | 3.8% |
资本支出强度CASHCERT
| Q4 25 | 2.4% | 1.0% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 1.4% | 0.1% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 1.1% | 0.4% | ||
| Q3 24 | 2.4% | 0.2% | ||
| Q2 24 | 1.2% | 0.5% | ||
| Q1 24 | 0.7% | 0.6% |
现金转化率CASHCERT
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 21.19× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 3.66× | ||
| Q4 24 | -2.39× | 7.51× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | — |
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
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% |
CERT
暂无分部数据
