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PATHWARD FINANCIAL, INC.（CASH）与CSW INDUSTRIALS, INC.（CSW）财务数据对比。点击上方公司名可切换其他公司
CSW INDUSTRIALS, INC.的季度营收约是PATHWARD FINANCIAL, INC.的1.3倍（$233.0M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 4.4%，领先15.9%），CSW INDUSTRIALS, INC.同比增速更快（20.3% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $22.7M），过去两年CSW INDUSTRIALS, INC.的营收复合增速更高（5.1% vs -18.0%）
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。
CASH vs CSW — 直观对比
营收规模更大
CSW
是对方的1.3倍
$173.1M
营收增速更快
CSW
高出20.6%
-0.2%
净利率更高
CASH
高出15.9%
4.4%
自由现金流更多
CASH
多$81.3M
$22.7M
两年增速更快
CSW
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $233.0M |
| 净利润 | $35.2M | $10.3M |
| 毛利率 | — | 39.7% |
| 营业利润率 | 24.6% | 7.4% |
| 净利率 | 20.3% | 4.4% |
| 营收同比 | -0.2% | 20.3% |
| 净利润同比 | 11.9% | -61.9% |
| 每股收益（稀释后） | $1.57 | $0.62 |
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CASHCSW
| Q4 25 | $173.1M | $233.0M | ||
| Q3 25 | $186.7M | $277.0M | ||
| Q2 25 | $195.8M | $263.6M | ||
| Q1 25 | $274.8M | $230.5M | ||
| Q4 24 | $182.6M | $193.6M | ||
| Q3 24 | $179.5M | $227.9M | ||
| Q2 24 | $188.6M | $226.2M | ||
| Q1 24 | $257.6M | $210.9M |
净利润CASHCSW
| Q4 25 | $35.2M | $10.3M | ||
| Q3 25 | $38.8M | $40.7M | ||
| Q2 25 | $42.1M | $40.9M | ||
| Q1 25 | $75.0M | $35.1M | ||
| Q4 24 | $30.0M | $26.9M | ||
| Q3 24 | $33.5M | $36.1M | ||
| Q2 24 | $44.9M | $38.6M | ||
| Q1 24 | $69.9M | $31.8M |
毛利率CASHCSW
| Q4 25 | — | 39.7% | ||
| Q3 25 | — | 43.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.4% |
营业利润率CASHCSW
| Q4 25 | 24.6% | 7.4% | ||
| Q3 25 | 25.9% | 20.5% | ||
| Q2 25 | 24.1% | 20.8% | ||
| Q1 25 | 33.2% | 19.5% | ||
| Q4 24 | 19.8% | 15.3% | ||
| Q3 24 | 20.9% | 22.6% | ||
| Q2 24 | 27.1% | 24.3% | ||
| Q1 24 | 33.8% | 21.0% |
净利率CASHCSW
| Q4 25 | 20.3% | 4.4% | ||
| Q3 25 | 20.8% | 14.7% | ||
| Q2 25 | 21.5% | 15.5% | ||
| Q1 25 | 27.3% | 15.2% | ||
| Q4 24 | 16.4% | 13.9% | ||
| Q3 24 | 18.7% | 15.8% | ||
| Q2 24 | 23.8% | 17.1% | ||
| Q1 24 | 27.1% | 15.1% |
每股收益（稀释后）CASHCSW
| Q4 25 | $1.57 | $0.62 | ||
| Q3 25 | $1.69 | $2.41 | ||
| Q2 25 | $1.81 | $2.43 | ||
| Q1 25 | $3.14 | $2.05 | ||
| Q4 24 | $1.23 | $1.60 | ||
| Q3 24 | $1.34 | $2.26 | ||
| Q2 24 | $1.78 | $2.47 | ||
| Q1 24 | $2.74 | $2.03 |
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 | $331.2M | $40.2M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $1.1B |
| 总资产 | $7.6B | $2.3B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHCSW
| Q4 25 | $331.2M | $40.2M | ||
| Q3 25 | $120.6M | $31.5M | ||
| Q2 25 | $258.3M | $38.0M | ||
| Q1 25 | $254.2M | $225.8M | ||
| Q4 24 | $597.4M | $213.8M | ||
| Q3 24 | $158.3M | $273.2M | ||
| Q2 24 | $298.9M | $18.9M | ||
| Q1 24 | $347.9M | $22.2M |
总债务CASHCSW
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | $800.1M | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | $166.0M |
股东权益CASHCSW
| Q4 25 | $854.5M | $1.1B | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.0B | ||
| Q3 24 | $822.5M | $1.0B | ||
| Q2 24 | $748.4M | $650.2M | ||
| Q1 24 | $719.5M | $615.7M |
总资产CASHCSW
| Q4 25 | $7.6B | $2.3B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.5B | ||
| Q1 25 | $7.0B | $1.4B | ||
| Q4 24 | $7.6B | $1.4B | ||
| Q3 24 | $7.5B | $1.4B | ||
| Q2 24 | $7.5B | $1.1B | ||
| Q1 24 | $7.4B | $1.0B |
负债/权益比CASHCSW
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | 0.75× | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.05× | 0.27× |
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 | $108.3M | $28.9M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $22.7M |
| 自由现金流率自由现金流/营收 | 60.1% | 9.8% |
| 资本支出强度资本支出/营收 | 2.4% | 2.6% |
| 现金转化率经营现金流/净利润 | 3.08× | 2.81× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $162.0M |
8季度趋势，按日历期对齐
经营现金流CASHCSW
| Q4 25 | $108.3M | $28.9M | ||
| Q3 25 | $303.7M | $61.8M | ||
| Q2 25 | $30.4M | $60.6M | ||
| Q1 25 | $188.3M | $27.3M | ||
| Q4 24 | $-71.7M | $11.6M | ||
| Q3 24 | $143.1M | $66.8M | ||
| Q2 24 | $113.2M | $62.7M | ||
| Q1 24 | $203.0M | $22.4M |
自由现金流CASHCSW
| Q4 25 | $104.1M | $22.7M | ||
| Q3 25 | $300.3M | $58.7M | ||
| Q2 25 | $27.7M | $57.7M | ||
| Q1 25 | $184.7M | $22.8M | ||
| Q4 24 | $-73.8M | $8.5M | ||
| Q3 24 | $138.8M | $61.3M | ||
| Q2 24 | $111.0M | $59.6M | ||
| Q1 24 | $201.3M | $17.5M |
自由现金流率CASHCSW
| Q4 25 | 60.1% | 9.8% | ||
| Q3 25 | 160.9% | 21.2% | ||
| Q2 25 | 14.1% | 21.9% | ||
| Q1 25 | 67.2% | 9.9% | ||
| Q4 24 | -40.4% | 4.4% | ||
| Q3 24 | 77.3% | 26.9% | ||
| Q2 24 | 58.8% | 26.3% | ||
| Q1 24 | 78.1% | 8.3% |
资本支出强度CASHCSW
| Q4 25 | 2.4% | 2.6% | ||
| Q3 25 | 1.8% | 1.1% | ||
| Q2 25 | 1.4% | 1.1% | ||
| Q1 25 | 1.3% | 2.0% | ||
| Q4 24 | 1.1% | 1.6% | ||
| Q3 24 | 2.4% | 2.4% | ||
| Q2 24 | 1.2% | 1.4% | ||
| Q1 24 | 0.7% | 2.3% |
现金转化率CASHCSW
| Q4 25 | 3.08× | 2.81× | ||
| Q3 25 | 7.83× | 1.52× | ||
| Q2 25 | 0.72× | 1.48× | ||
| Q1 25 | 2.51× | 0.78× | ||
| Q4 24 | -2.39× | 0.43× | ||
| Q3 24 | 4.27× | 1.85× | ||
| Q2 24 | 2.52× | 1.62× | ||
| Q1 24 | 2.90× | 0.71× |
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
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
