vs
PATHWARD FINANCIAL, INC.（CASH）与CI&T Inc（CINT）财务数据对比。点击上方公司名可切换其他公司
CI&T Inc的季度营收约是PATHWARD FINANCIAL, INC.的1.8倍（$489.6M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 8.3%，领先18.1%）
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。
CI&T Inc是全球数字化转型服务提供商，提供定制软件开发、云迁移、数据分析、用户体验设计、人工智能落地等端到端解决方案，服务零售、金融、医疗、制造等多个行业客户，业务覆盖美洲、欧洲及亚太地区。
CASH vs CINT — 直观对比
营收规模更大
CINT
是对方的1.8倍
$276.3M
净利率更高
CASH
高出18.1%
8.3%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $489.6M |
| 净利润 | $72.9M | $40.6M |
| 毛利率 | — | 32.0% |
| 营业利润率 | — | 13.4% |
| 净利率 | 26.4% | 8.3% |
| 营收同比 | — | 11.5% |
| 净利润同比 | — | 37.7% |
| 每股收益（稀释后） | $3.35 | $0.30 |
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CASHCINT
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $489.6M | ||
| Q3 25 | $186.7M | — | ||
| Q2 25 | $195.8M | — | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $439.0M | ||
| Q3 24 | $179.5M | — | ||
| Q2 24 | $188.6M | — |
净利润CASHCINT
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $40.6M | ||
| Q3 25 | $38.8M | — | ||
| Q2 25 | $42.1M | — | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $29.5M | ||
| Q3 24 | $33.5M | — | ||
| Q2 24 | $44.9M | — |
毛利率CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | — | 32.0% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 34.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 13.4% | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | 12.7% | ||
| Q3 24 | 20.9% | — | ||
| Q2 24 | 27.1% | — |
净利率CASHCINT
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 8.3% | ||
| Q3 25 | 20.8% | — | ||
| Q2 25 | 21.5% | — | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | 6.7% | ||
| Q3 24 | 18.7% | — | ||
| Q2 24 | 23.8% | — |
每股收益（稀释后）CASHCINT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.30 | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $0.22 | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $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 | $157.6M | $47.9M |
| 总债务越低越好 | $59.5M | $122.6M |
| 股东权益账面价值 | $850.7M | $308.9M |
| 总资产 | $7.1B | $550.5M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.40× |
8季度趋势，按日历期对齐
现金及短期投资CASHCINT
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $47.9M | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $56.6M | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHCINT
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $122.6M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $138.7M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHCINT
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $308.9M | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $819.0M | — | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $280.1M | ||
| Q3 24 | $822.5M | — | ||
| Q2 24 | $748.4M | — |
总资产CASHCINT
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $550.5M | ||
| Q3 25 | $7.2B | — | ||
| Q2 25 | $7.2B | — | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $526.4M | ||
| Q3 24 | $7.5B | — | ||
| Q2 24 | $7.5B | — |
负债/权益比CASHCINT
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.40× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.50× | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 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 | — | $60.6M |
| 自由现金流经营现金流 - 资本支出 | — | $45.8M |
| 自由现金流率自由现金流/营收 | — | 9.4% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.49× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $60.6M | ||
| Q3 25 | $303.7M | — | ||
| Q2 25 | $30.4M | — | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $69.0M | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | — |
自由现金流CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $45.8M | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $58.4M | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | — |
自由现金流率CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 9.4% | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | 13.3% | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | — |
资本支出强度CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.0% | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 2.4% | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
现金转化率CASHCINT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.49× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 2.34× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 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
CASH
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
CINT
暂无分部数据
