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PATHWARD FINANCIAL, INC.（CASH）与Custom Truck One Source, Inc.（CTOS）财务数据对比。点击上方公司名可切换其他公司
Custom Truck One Source, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$422.2M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -4.2%，领先30.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 14.8%）
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。
Custom Truck One Source是北美领先的专用重型卡车及设备解决方案提供商，业务覆盖定制车辆制造、设备销售与租赁、售后配件供应及维保服务，主要服务基建、公用事业、建筑、能源等核心领域。
CASH vs CTOS — 直观对比
营收规模更大
CTOS
是对方的1.5倍
$276.3M
净利率更高
CASH
高出30.6%
-4.2%
两年增速更快
CASH
近两年复合增速
14.8%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $422.2M |
| 净利润 | $72.9M | $-17.8M |
| 毛利率 | — | 20.3% |
| 营业利润率 | — | 2.9% |
| 净利率 | 26.4% | -4.2% |
| 营收同比 | — | -8.5% |
| 净利润同比 | — | -333.7% |
| 每股收益（稀释后） | $3.35 | $-0.08 |
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CASHCTOS
| Q1 26 | $276.3M | $422.2M | ||
| Q4 25 | $173.1M | $387.3M | ||
| Q3 25 | $186.7M | $359.9M | ||
| Q2 25 | $195.8M | $392.2M | ||
| Q1 25 | $274.8M | $307.1M | ||
| Q4 24 | $182.6M | $398.3M | ||
| Q3 24 | $179.5M | $337.5M | ||
| Q2 24 | $188.6M | $320.6M |
净利润CASHCTOS
| Q1 26 | $72.9M | $-17.8M | ||
| Q4 25 | $35.2M | $20.9M | ||
| Q3 25 | $38.8M | $-5.8M | ||
| Q2 25 | $42.1M | $-28.4M | ||
| Q1 25 | $75.0M | $-17.8M | ||
| Q4 24 | $30.0M | $27.6M | ||
| Q3 24 | $33.5M | $-17.4M | ||
| Q2 24 | $44.9M | $-24.5M |
毛利率CASHCTOS
| Q1 26 | — | 20.3% | ||
| Q4 25 | — | 31.8% | ||
| Q3 25 | — | 28.0% | ||
| Q2 25 | — | 26.1% | ||
| Q1 25 | — | 27.9% | ||
| Q4 24 | — | 29.7% | ||
| Q3 24 | — | 27.2% | ||
| Q2 24 | — | 27.8% |
营业利润率CASHCTOS
| Q1 26 | — | 2.9% | ||
| Q4 25 | 24.6% | 13.4% | ||
| Q3 25 | 25.9% | 9.1% | ||
| Q2 25 | 24.1% | 7.1% | ||
| Q1 25 | 33.2% | 4.0% | ||
| Q4 24 | 19.8% | 16.9% | ||
| Q3 24 | 20.9% | 6.8% | ||
| Q2 24 | 27.1% | 5.5% |
净利率CASHCTOS
| Q1 26 | 26.4% | -4.2% | ||
| Q4 25 | 20.3% | 5.4% | ||
| Q3 25 | 20.8% | -1.6% | ||
| Q2 25 | 21.5% | -7.2% | ||
| Q1 25 | 27.3% | -5.8% | ||
| Q4 24 | 16.4% | 6.9% | ||
| Q3 24 | 18.7% | -5.2% | ||
| Q2 24 | 23.8% | -7.6% |
每股收益（稀释后）CASHCTOS
| Q1 26 | $3.35 | $-0.08 | ||
| Q4 25 | $1.57 | $0.10 | ||
| Q3 25 | $1.69 | $-0.03 | ||
| Q2 25 | $1.81 | $-0.13 | ||
| Q1 25 | $3.14 | $-0.08 | ||
| Q4 24 | $1.23 | $0.11 | ||
| Q3 24 | $1.34 | $-0.07 | ||
| Q2 24 | $1.78 | $-0.10 |
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 | $6.3M |
| 总债务越低越好 | $59.5M | $25.9M |
| 股东权益账面价值 | $850.7M | $809.1M |
| 总资产 | $7.1B | $3.4B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.03× |
8季度趋势，按日历期对齐
现金及短期投资CASHCTOS
| Q1 26 | $157.6M | $6.3M | ||
| Q4 25 | $331.2M | $6.3M | ||
| Q3 25 | $120.6M | $13.1M | ||
| Q2 25 | $258.3M | $5.3M | ||
| Q1 25 | $254.2M | $5.4M | ||
| Q4 24 | $597.4M | $3.8M | ||
| Q3 24 | $158.3M | $8.4M | ||
| Q2 24 | $298.9M | $8.1M |
总债务CASHCTOS
| Q1 26 | $59.5M | $25.9M | ||
| Q4 25 | $33.5M | $1.6B | ||
| Q3 25 | $33.5M | $1.6B | ||
| Q2 25 | $33.4M | $1.6B | ||
| Q1 25 | $33.4M | $1.6B | ||
| Q4 24 | $33.4M | $1.5B | ||
| Q3 24 | $33.4M | $1.6B | ||
| Q2 24 | $33.3M | $1.5B |
股东权益CASHCTOS
| Q1 26 | $850.7M | $809.1M | ||
| Q4 25 | $854.5M | $809.1M | ||
| Q3 25 | $858.0M | $784.7M | ||
| Q2 25 | $819.0M | $790.1M | ||
| Q1 25 | $814.7M | $813.4M | ||
| Q4 24 | $758.3M | $861.3M | ||
| Q3 24 | $822.5M | $837.5M | ||
| Q2 24 | $748.4M | $856.7M |
总资产CASHCTOS
| Q1 26 | $7.1B | $3.4B | ||
| Q4 25 | $7.6B | $3.4B | ||
| Q3 25 | $7.2B | $3.5B | ||
| Q2 25 | $7.2B | $3.6B | ||
| Q1 25 | $7.0B | $3.5B | ||
| Q4 24 | $7.6B | $3.5B | ||
| Q3 24 | $7.5B | $3.6B | ||
| Q2 24 | $7.5B | $3.5B |
负债/权益比CASHCTOS
| Q1 26 | 0.07× | 0.03× | ||
| Q4 25 | 0.04× | 2.03× | ||
| Q3 25 | 0.04× | 2.10× | ||
| Q2 25 | 0.04× | 2.04× | ||
| Q1 25 | 0.04× | 1.97× | ||
| Q4 24 | 0.04× | 1.77× | ||
| Q3 24 | 0.04× | 1.87× | ||
| Q2 24 | 0.04× | 1.79× |
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% |
CTOS
| Equipment sales | $273.9M | 65% |
| Rental revenue | $116.3M | 28% |
| Parts sales and services | $32.1M | 8% |
