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PATHWARD FINANCIAL, INC.（CASH）与优尼威（CLMB）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是优尼威的1.5倍（$276.3M vs $182.4M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 1.8%，领先24.6%），过去两年优尼威的营收复合增速更高（40.7% vs 21.0%）
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。
优尼威解决方案是一家全球化学品与原料分销商，同时可为客户提供各类增值服务，在行业内拥有广泛的全球布局与专业服务能力。
CASH vs CLMB — 直观对比
营收规模更大
CASH
是对方的1.5倍
$182.4M
净利率更高
CASH
高出24.6%
1.8%
两年增速更快
CLMB
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $182.4M |
| 净利润 | $72.9M | $3.3M |
| 毛利率 | — | 14.5% |
| 营业利润率 | — | 2.1% |
| 净利率 | 26.4% | 1.8% |
| 营收同比 | — | 32.1% |
| 净利润同比 | — | -9.5% |
| 每股收益（稀释后） | $3.35 | $0.18 |
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CASHCLMB
| Q1 26 | $276.3M | $182.4M | ||
| Q4 25 | $173.1M | $193.8M | ||
| Q3 25 | $186.7M | $161.3M | ||
| Q2 25 | $195.8M | $159.3M | ||
| Q1 25 | $274.8M | $138.0M | ||
| Q4 24 | $182.6M | $161.8M | ||
| Q3 24 | $179.5M | $119.3M | ||
| Q2 24 | $188.6M | $92.1M |
净利润CASHCLMB
| Q1 26 | $72.9M | $3.3M | ||
| Q4 25 | $35.2M | $7.0M | ||
| Q3 25 | $38.8M | $4.7M | ||
| Q2 25 | $42.1M | $6.0M | ||
| Q1 25 | $75.0M | $3.7M | ||
| Q4 24 | $30.0M | $7.0M | ||
| Q3 24 | $33.5M | $5.5M | ||
| Q2 24 | $44.9M | $3.4M |
毛利率CASHCLMB
| Q1 26 | — | 14.5% | ||
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.9% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 16.9% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 20.2% |
营业利润率CASHCLMB
| Q1 26 | — | 2.1% | ||
| Q4 25 | 24.6% | 4.9% | ||
| Q3 25 | 25.9% | 4.3% | ||
| Q2 25 | 24.1% | 5.0% | ||
| Q1 25 | 33.2% | 3.5% | ||
| Q4 24 | 19.8% | 7.2% | ||
| Q3 24 | 20.9% | 7.1% | ||
| Q2 24 | 27.1% | 4.6% |
净利率CASHCLMB
| Q1 26 | 26.4% | 1.8% | ||
| Q4 25 | 20.3% | 3.6% | ||
| Q3 25 | 20.8% | 2.9% | ||
| Q2 25 | 21.5% | 3.7% | ||
| Q1 25 | 27.3% | 2.7% | ||
| Q4 24 | 16.4% | 4.3% | ||
| Q3 24 | 18.7% | 4.6% | ||
| Q2 24 | 23.8% | 3.7% |
每股收益（稀释后）CASHCLMB
| Q1 26 | $3.35 | $0.18 | ||
| Q4 25 | $1.57 | $1.51 | ||
| Q3 25 | $1.69 | $1.02 | ||
| Q2 25 | $1.81 | $1.30 | ||
| Q1 25 | $3.14 | $0.81 | ||
| Q4 24 | $1.23 | $1.52 | ||
| Q3 24 | $1.34 | $1.19 | ||
| Q2 24 | $1.78 | $0.75 |
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 | $41.8M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $118.4M |
| 总资产 | $7.1B | $458.8M |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHCLMB
| Q1 26 | $157.6M | $41.8M | ||
| Q4 25 | $331.2M | $36.6M | ||
| Q3 25 | $120.6M | $49.8M | ||
| Q2 25 | $258.3M | $28.6M | ||
| Q1 25 | $254.2M | $32.5M | ||
| Q4 24 | $597.4M | $29.8M | ||
| Q3 24 | $158.3M | $22.1M | ||
| Q2 24 | $298.9M | $48.4M |
总债务CASHCLMB
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHCLMB
| Q1 26 | $850.7M | $118.4M | ||
| Q4 25 | $854.5M | $116.6M | ||
| Q3 25 | $858.0M | $109.3M | ||
| Q2 25 | $819.0M | $105.2M | ||
| Q1 25 | $814.7M | $95.6M | ||
| Q4 24 | $758.3M | $90.6M | ||
| Q3 24 | $822.5M | $87.7M | ||
| Q2 24 | $748.4M | $79.8M |
总资产CASHCLMB
| Q1 26 | $7.1B | $458.8M | ||
| Q4 25 | $7.6B | $460.2M | ||
| Q3 25 | $7.2B | $376.1M | ||
| Q2 25 | $7.2B | $420.7M | ||
| Q1 25 | $7.0B | $370.1M | ||
| Q4 24 | $7.6B | $469.2M | ||
| Q3 24 | $7.5B | $371.9M | ||
| Q2 24 | $7.5B | $302.8M |
负债/权益比CASHCLMB
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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% |
CLMB
暂无分部数据
