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PATHWARD FINANCIAL, INC.（CASH）与Concentra Group Holdings Parent, Inc.（CON）财务数据对比。点击上方公司名可切换其他公司
Concentra Group Holdings Parent, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的2.0倍（$539.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 6.4%，领先20.0%）
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。
Concentra是美国的职业医疗服务商，1979年成立于得克萨斯州阿马里洛，总部位于得克萨斯州艾迪生。业务覆盖美国47个州，运营627家职业医疗中心和410个雇主驻地现场诊所，美国每7起职业伤害案例中就有1起由该机构提供诊疗服务。
CASH vs CON — 直观对比
营收规模更大
CON
是对方的2.0倍
$276.3M
净利率更高
CASH
高出20.0%
6.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $539.1M |
| 净利润 | $72.9M | $34.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 12.9% |
| 净利率 | 26.4% | 6.4% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $0.27 |
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CASHCON
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $539.1M | ||
| Q3 25 | $186.7M | $572.8M | ||
| Q2 25 | $195.8M | $550.8M | ||
| Q1 25 | $274.8M | $500.8M | ||
| Q4 24 | $182.6M | — | ||
| Q3 24 | $179.5M | $489.6M | ||
| Q2 24 | $188.6M | $477.9M |
净利润CASHCON
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $34.7M | ||
| Q3 25 | $38.8M | $48.3M | ||
| Q2 25 | $42.1M | $44.6M | ||
| Q1 25 | $75.0M | $38.9M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $44.3M | ||
| Q2 24 | $44.9M | $51.7M |
营业利润率CASHCON
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 12.9% | ||
| Q3 25 | 25.9% | 16.5% | ||
| Q2 25 | 24.1% | 16.3% | ||
| Q1 25 | 33.2% | 16.0% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | 17.6% | ||
| Q2 24 | 27.1% | 17.6% |
净利率CASHCON
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 6.4% | ||
| Q3 25 | 20.8% | 8.4% | ||
| Q2 25 | 21.5% | 8.1% | ||
| Q1 25 | 27.3% | 7.8% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 9.1% | ||
| Q2 24 | 23.8% | 10.8% |
每股收益（稀释后）CASHCON
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.27 | ||
| Q3 25 | $1.69 | $0.38 | ||
| Q2 25 | $1.81 | $0.35 | ||
| Q1 25 | $3.14 | $0.30 | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | $0.37 | ||
| Q2 24 | $1.78 | $0.50 |
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 | $79.9M |
| 总债务越低越好 | $59.5M | $1.6B |
| 股东权益账面价值 | $850.7M | $393.3M |
| 总资产 | $7.1B | $2.9B |
| 负债/权益比越低杠杆越低 | 0.07× | 3.98× |
8季度趋势，按日历期对齐
现金及短期投资CASHCON
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $79.9M | ||
| Q3 25 | $120.6M | $49.9M | ||
| Q2 25 | $258.3M | $73.9M | ||
| Q1 25 | $254.2M | $52.1M | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | $136.8M | ||
| Q2 24 | $298.9M | $50.7M |
总债务CASHCON
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.6B | ||
| Q3 25 | $33.5M | $1.6B | ||
| Q2 25 | $33.4M | $1.7B | ||
| Q1 25 | $33.4M | $1.6B | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | $1.5B | ||
| Q2 24 | $33.3M | $3.0M |
股东权益CASHCON
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $393.3M | ||
| Q3 25 | $858.0M | $385.5M | ||
| Q2 25 | $819.0M | $342.6M | ||
| Q1 25 | $814.7M | $307.1M | ||
| Q4 24 | $758.3M | — | ||
| Q3 24 | $822.5M | $277.8M | ||
| Q2 24 | $748.4M | $1.2B |
总资产CASHCON
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.9B | ||
| Q3 25 | $7.2B | $2.8B | ||
| Q2 25 | $7.2B | $2.8B | ||
| Q1 25 | $7.0B | $2.7B | ||
| Q4 24 | $7.6B | — | ||
| Q3 24 | $7.5B | $2.5B | ||
| Q2 24 | $7.5B | $2.4B |
负债/权益比CASHCON
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 3.98× | ||
| Q3 25 | 0.04× | 4.15× | ||
| Q2 25 | 0.04× | 4.82× | ||
| Q1 25 | 0.04× | 5.27× | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | 5.30× | ||
| Q2 24 | 0.04× | 0.00× |
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 | — | $118.7M |
| 自由现金流经营现金流 - 资本支出 | — | $98.5M |
| 自由现金流率自由现金流/营收 | — | 18.3% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | — | 3.42× |
| 过去12个月自由现金流最近4个季度 | — | $197.1M |
8季度趋势，按日历期对齐
经营现金流CASHCON
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $118.7M | ||
| Q3 25 | $303.7M | $60.6M | ||
| Q2 25 | $30.4M | $88.4M | ||
| Q1 25 | $188.3M | $11.7M | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | $65.9M | ||
| Q2 24 | $113.2M | — |
自由现金流CASHCON
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $98.5M | ||
| Q3 25 | $300.3M | $39.4M | ||
| Q2 25 | $27.7M | $63.2M | ||
| Q1 25 | $184.7M | $-4.0M | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | $50.8M | ||
| Q2 24 | $111.0M | — |
自由现金流率CASHCON
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 18.3% | ||
| Q3 25 | 160.9% | 6.9% | ||
| Q2 25 | 14.1% | 11.5% | ||
| Q1 25 | 67.2% | -0.8% | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | 10.4% | ||
| Q2 24 | 58.8% | — |
资本支出强度CASHCON
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.7% | ||
| Q3 25 | 1.8% | 3.7% | ||
| Q2 25 | 1.4% | 4.6% | ||
| Q1 25 | 1.3% | 3.1% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | 3.1% | ||
| Q2 24 | 1.2% | — |
现金转化率CASHCON
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 3.42× | ||
| Q3 25 | 7.83× | 1.26× | ||
| Q2 25 | 0.72× | 1.98× | ||
| Q1 25 | 2.51× | 0.30× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 1.49× | ||
| 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% |
CON
| Occupational Health Center Workers Compensation | $328.5M | 61% |
| Occupational Health Center Employer Services | $151.9M | 28% |
| Onsite Health Clinics | $36.2M | 7% |
| Other Businesses | $12.3M | 2% |
| Occupational Health Center Consumer Health | $8.1M | 2% |
| Occupational Health Center Other | $2.1M | 0% |
