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PATHWARD FINANCIAL, INC.（CASH）与COMPASS MINERALS INTERNATIONAL INC（CMP）财务数据对比。点击上方公司名可切换其他公司
COMPASS MINERALS INTERNATIONAL INC的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$396.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 4.7%，领先21.7%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 4.3%）
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。
指南针矿产国际是一家美国上市矿产企业，总部位于堪萨斯州欧弗兰帕克，是盐、氯化镁和硫酸钾等产品的领先生产商。公司面向北美和英国客户供应经处理与未经处理的散装道路除冰盐，同时向全球种植者提供植物营养产品，此外也生产民用除冰、水质调节产品及相关商用产品。
CASH vs CMP — 直观对比
营收规模更大
CMP
是对方的1.4倍
$276.3M
净利率更高
CASH
高出21.7%
4.7%
两年增速更快
CASH
近两年复合增速
4.3%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $396.1M |
| 净利润 | $72.9M | $18.6M |
| 毛利率 | — | 16.0% |
| 营业利润率 | — | 9.2% |
| 净利率 | 26.4% | 4.7% |
| 营收同比 | — | 28.9% |
| 净利润同比 | — | 178.8% |
| 每股收益（稀释后） | $3.35 | $0.43 |
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CASHCMP
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $396.1M | ||
| Q3 25 | $186.7M | $227.5M | ||
| Q2 25 | $195.8M | $214.6M | ||
| Q1 25 | $274.8M | $494.6M | ||
| Q4 24 | $182.6M | $307.2M | ||
| Q3 24 | $179.5M | $208.8M | ||
| Q2 24 | $188.6M | $202.9M |
净利润CASHCMP
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $18.6M | ||
| Q3 25 | $38.8M | $-7.2M | ||
| Q2 25 | $42.1M | $-17.0M | ||
| Q1 25 | $75.0M | $-32.0M | ||
| Q4 24 | $30.0M | $-23.6M | ||
| Q3 24 | $33.5M | $-48.3M | ||
| Q2 24 | $44.9M | $-43.6M |
毛利率CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | — | 16.0% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 19.2% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 9.3% | ||
| Q2 24 | — | 16.1% |
营业利润率CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 9.2% | ||
| Q3 25 | 25.9% | 5.3% | ||
| Q2 25 | 24.1% | 7.4% | ||
| Q1 25 | 33.2% | -0.6% | ||
| Q4 24 | 19.8% | 0.2% | ||
| Q3 24 | 20.9% | -14.3% | ||
| Q2 24 | 27.1% | 2.9% |
净利率CASHCMP
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 4.7% | ||
| Q3 25 | 20.8% | -3.2% | ||
| Q2 25 | 21.5% | -7.9% | ||
| Q1 25 | 27.3% | -6.5% | ||
| Q4 24 | 16.4% | -7.7% | ||
| Q3 24 | 18.7% | -23.1% | ||
| Q2 24 | 23.8% | -21.5% |
每股收益（稀释后）CASHCMP
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.43 | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | $-0.41 | ||
| Q1 25 | $3.14 | $-0.77 | ||
| Q4 24 | $1.23 | $-0.57 | ||
| Q3 24 | $1.34 | $-1.17 | ||
| Q2 24 | $1.78 | $-1.05 |
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 | $46.7M |
| 总债务越低越好 | $59.5M | $890.0M |
| 股东权益账面价值 | $850.7M | $260.5M |
| 总资产 | $7.1B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.07× | 3.42× |
8季度趋势，按日历期对齐
现金及短期投资CASHCMP
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $46.7M | ||
| Q3 25 | $120.6M | $59.7M | ||
| Q2 25 | $258.3M | $79.4M | ||
| Q1 25 | $254.2M | $49.5M | ||
| Q4 24 | $597.4M | $45.8M | ||
| Q3 24 | $158.3M | $20.2M | ||
| Q2 24 | $298.9M | $12.8M |
总债务CASHCMP
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $890.0M | ||
| Q3 25 | $33.5M | $839.8M | ||
| Q2 25 | $33.4M | $833.4M | ||
| Q1 25 | $33.4M | $807.6M | ||
| Q4 24 | $33.4M | $974.4M | ||
| Q3 24 | $33.4M | $921.2M | ||
| Q2 24 | $33.3M | $875.1M |
股东权益CASHCMP
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $260.5M | ||
| Q3 25 | $858.0M | $234.1M | ||
| Q2 25 | $819.0M | $249.8M | ||
| Q1 25 | $814.7M | $236.5M | ||
| Q4 24 | $758.3M | $263.0M | ||
| Q3 24 | $822.5M | $316.6M | ||
| Q2 24 | $748.4M | $352.1M |
总资产CASHCMP
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.5B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.5B | ||
| Q1 25 | $7.0B | $1.5B | ||
| Q4 24 | $7.6B | $1.7B | ||
| Q3 24 | $7.5B | $1.6B | ||
| Q2 24 | $7.5B | $1.6B |
负债/权益比CASHCMP
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 3.42× | ||
| Q3 25 | 0.04× | 3.59× | ||
| Q2 25 | 0.04× | 3.34× | ||
| Q1 25 | 0.04× | 3.41× | ||
| Q4 24 | 0.04× | 3.70× | ||
| Q3 24 | 0.04× | 2.91× | ||
| Q2 24 | 0.04× | 2.49× |
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 | — | $-37.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-59.8M |
| 自由现金流率自由现金流/营收 | — | -15.1% |
| 资本支出强度资本支出/营收 | — | 5.8% |
| 现金转化率经营现金流/净利润 | — | -1.99× |
| 过去12个月自由现金流最近4个季度 | — | $94.1M |
8季度趋势，按日历期对齐
经营现金流CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-37.0M | ||
| Q3 25 | $303.7M | $-6.9M | ||
| Q2 25 | $30.4M | $21.8M | ||
| Q1 25 | $188.3M | $186.9M | ||
| Q4 24 | $-71.7M | $-4.1M | ||
| Q3 24 | $143.1M | $-12.7M | ||
| Q2 24 | $113.2M | $-6.8M |
自由现金流CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-59.8M | ||
| Q3 25 | $300.3M | $-22.8M | ||
| Q2 25 | $27.7M | $3.8M | ||
| Q1 25 | $184.7M | $172.9M | ||
| Q4 24 | $-73.8M | $-25.9M | ||
| Q3 24 | $138.8M | $-33.6M | ||
| Q2 24 | $111.0M | $-21.5M |
自由现金流率CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -15.1% | ||
| Q3 25 | 160.9% | -10.0% | ||
| Q2 25 | 14.1% | 1.8% | ||
| Q1 25 | 67.2% | 35.0% | ||
| Q4 24 | -40.4% | -8.4% | ||
| Q3 24 | 77.3% | -16.1% | ||
| Q2 24 | 58.8% | -10.6% |
资本支出强度CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 5.8% | ||
| Q3 25 | 1.8% | 7.0% | ||
| Q2 25 | 1.4% | 8.4% | ||
| Q1 25 | 1.3% | 2.8% | ||
| Q4 24 | 1.1% | 7.1% | ||
| Q3 24 | 2.4% | 10.0% | ||
| Q2 24 | 1.2% | 7.2% |
现金转化率CASHCMP
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -1.99× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| 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% |
CMP
| Highway Deicing Salt | $210.8M | 53% |
| Consumer Industrial Salt | $120.7M | 30% |
| Plant Nutrition | $60.8M | 15% |
| Transferred Over Time | $2.8M | 1% |
| Other | $1.0M | 0% |
