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PATHWARD FINANCIAL, INC.（CASH）与南玻集团（CSGS）财务数据对比。点击上方公司名可切换其他公司
南玻集团的季度营收约是PATHWARD FINANCIAL, INC.的1.2倍（$323.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 2.2%，领先24.2%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 4.6%）
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。
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
CASH vs CSGS — 直观对比
营收规模更大
CSGS
是对方的1.2倍
$276.3M
净利率更高
CASH
高出24.2%
2.2%
两年增速更快
CASH
近两年复合增速
4.6%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $323.1M |
| 净利润 | $72.9M | $7.0M |
| 毛利率 | — | 50.0% |
| 营业利润率 | — | 9.0% |
| 净利率 | 26.4% | 2.2% |
| 营收同比 | — | 2.0% |
| 净利润同比 | — | -79.7% |
| 每股收益（稀释后） | $3.35 | $0.24 |
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CASHCSGS
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $323.1M | ||
| Q3 25 | $186.7M | $303.6M | ||
| Q2 25 | $195.8M | $297.1M | ||
| Q1 25 | $274.8M | $299.5M | ||
| Q4 24 | $182.6M | $316.7M | ||
| Q3 24 | $179.5M | $295.1M | ||
| Q2 24 | $188.6M | $290.3M |
净利润CASHCSGS
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $7.0M | ||
| Q3 25 | $38.8M | $20.5M | ||
| Q2 25 | $42.1M | $12.3M | ||
| Q1 25 | $75.0M | $16.1M | ||
| Q4 24 | $30.0M | $34.5M | ||
| Q3 24 | $33.5M | $19.1M | ||
| Q2 24 | $44.9M | $13.8M |
毛利率CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 48.1% | ||
| Q2 25 | — | 49.5% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 47.3% |
营业利润率CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 9.0% | ||
| Q3 25 | 25.9% | 10.0% | ||
| Q2 25 | 24.1% | 10.0% | ||
| Q1 25 | 33.2% | 9.8% | ||
| Q4 24 | 19.8% | 13.4% | ||
| Q3 24 | 20.9% | 10.8% | ||
| Q2 24 | 27.1% | 8.8% |
净利率CASHCSGS
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 2.2% | ||
| Q3 25 | 20.8% | 6.7% | ||
| Q2 25 | 21.5% | 4.1% | ||
| Q1 25 | 27.3% | 5.4% | ||
| Q4 24 | 16.4% | 10.9% | ||
| Q3 24 | 18.7% | 6.5% | ||
| Q2 24 | 23.8% | 4.8% |
每股收益（稀释后）CASHCSGS
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.24 | ||
| Q3 25 | $1.69 | $0.73 | ||
| Q2 25 | $1.81 | $0.44 | ||
| Q1 25 | $3.14 | $0.57 | ||
| Q4 24 | $1.23 | $1.20 | ||
| Q3 24 | $1.34 | $0.67 | ||
| Q2 24 | $1.78 | $0.48 |
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 | $180.0M |
| 总债务越低越好 | $59.5M | $539.5M |
| 股东权益账面价值 | $850.7M | $283.7M |
| 总资产 | $7.1B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.07× | 1.90× |
8季度趋势，按日历期对齐
现金及短期投资CASHCSGS
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $180.0M | ||
| Q3 25 | $120.6M | $158.4M | ||
| Q2 25 | $258.3M | $145.9M | ||
| Q1 25 | $254.2M | $136.0M | ||
| Q4 24 | $597.4M | $161.8M | ||
| Q3 24 | $158.3M | $118.4M | ||
| Q2 24 | $298.9M | $110.4M |
总债务CASHCSGS
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $539.5M | ||
| Q3 25 | $33.5M | $538.6M | ||
| Q2 25 | $33.4M | $537.8M | ||
| Q1 25 | $33.4M | $537.6M | ||
| Q4 24 | $33.4M | $538.5M | ||
| Q3 24 | $33.4M | $539.5M | ||
| Q2 24 | $33.3M | $540.5M |
股东权益CASHCSGS
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $283.7M | ||
| Q3 25 | $858.0M | $289.5M | ||
| Q2 25 | $819.0M | $290.7M | ||
| Q1 25 | $814.7M | $283.1M | ||
| Q4 24 | $758.3M | $282.6M | ||
| Q3 24 | $822.5M | $288.4M | ||
| Q2 24 | $748.4M | $273.3M |
总资产CASHCSGS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.5B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.4B | ||
| Q1 25 | $7.0B | $1.4B | ||
| Q4 24 | $7.6B | $1.5B | ||
| Q3 24 | $7.5B | $1.4B | ||
| Q2 24 | $7.5B | $1.4B |
负债/权益比CASHCSGS
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 1.90× | ||
| Q3 25 | 0.04× | 1.86× | ||
| Q2 25 | 0.04× | 1.85× | ||
| Q1 25 | 0.04× | 1.90× | ||
| Q4 24 | 0.04× | 1.91× | ||
| Q3 24 | 0.04× | 1.87× | ||
| Q2 24 | 0.04× | 1.98× |
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 | — | $59.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.8M |
| 自由现金流率自由现金流/营收 | — | 17.3% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | — | 8.46× |
| 过去12个月自由现金流最近4个季度 | — | $141.4M |
8季度趋势，按日历期对齐
经营现金流CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $59.2M | ||
| Q3 25 | $303.7M | $47.9M | ||
| Q2 25 | $30.4M | $37.3M | ||
| Q1 25 | $188.3M | $11.5M | ||
| Q4 24 | $-71.7M | $82.5M | ||
| Q3 24 | $143.1M | $39.5M | ||
| Q2 24 | $113.2M | $43.1M |
自由现金流CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $55.8M | ||
| Q3 25 | $300.3M | $43.9M | ||
| Q2 25 | $27.7M | $34.6M | ||
| Q1 25 | $184.7M | $7.1M | ||
| Q4 24 | $-73.8M | $76.6M | ||
| Q3 24 | $138.8M | $32.0M | ||
| Q2 24 | $111.0M | $38.8M |
自由现金流率CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 17.3% | ||
| Q3 25 | 160.9% | 14.5% | ||
| Q2 25 | 14.1% | 11.6% | ||
| Q1 25 | 67.2% | 2.4% | ||
| Q4 24 | -40.4% | 24.2% | ||
| Q3 24 | 77.3% | 10.8% | ||
| Q2 24 | 58.8% | 13.4% |
资本支出强度CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.1% | ||
| Q3 25 | 1.8% | 1.3% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.3% | 1.5% | ||
| Q4 24 | 1.1% | 1.9% | ||
| Q3 24 | 2.4% | 2.5% | ||
| Q2 24 | 1.2% | 1.5% |
现金转化率CASHCSGS
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 8.46× | ||
| Q3 25 | 7.83× | 2.34× | ||
| Q2 25 | 0.72× | 3.04× | ||
| Q1 25 | 2.51× | 0.71× | ||
| Q4 24 | -2.39× | 2.39× | ||
| Q3 24 | 4.27× | 2.07× | ||
| Q2 24 | 2.52× | 3.12× |
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% |
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
