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PATHWARD FINANCIAL, INC.（CASH）与Civeo Corp（CVEO）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是Civeo Corp的1.7倍（$276.3M vs $161.6M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -4.0%，领先30.4%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -1.4%）
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。
希维欧公司（Civeo Corporation）是一家美国住宿服务跨国企业，从石油国家国际公司（Oil States International）拆分而来，目前是在纽约证券交易所挂牌上市的公众公司，主要为能源等行业项目提供人员住宿配套服务解决方案。
CASH vs CVEO — 直观对比
营收规模更大
CASH
是对方的1.7倍
$161.6M
净利率更高
CASH
高出30.4%
-4.0%
两年增速更快
CASH
近两年复合增速
-1.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $161.6M |
| 净利润 | $72.9M | $-6.5M |
| 毛利率 | — | 22.7% |
| 营业利润率 | — | -0.1% |
| 净利率 | 26.4% | -4.0% |
| 营收同比 | — | 7.1% |
| 净利润同比 | — | 58.1% |
| 每股收益（稀释后） | $3.35 | $-0.58 |
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CASHCVEO
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $161.6M | ||
| Q3 25 | $186.7M | $170.5M | ||
| Q2 25 | $195.8M | $162.7M | ||
| Q1 25 | $274.8M | $144.0M | ||
| Q4 24 | $182.6M | $151.0M | ||
| Q3 24 | $179.5M | $176.3M | ||
| Q2 24 | $188.6M | $188.7M |
净利润CASHCVEO
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-6.5M | ||
| Q3 25 | $38.8M | $-455.0K | ||
| Q2 25 | $42.1M | $-3.3M | ||
| Q1 25 | $75.0M | $-9.8M | ||
| Q4 24 | $30.0M | $-15.4M | ||
| Q3 24 | $33.5M | $-5.1M | ||
| Q2 24 | $44.9M | $8.2M |
毛利率CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | — | 22.7% | ||
| Q3 25 | — | 25.7% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 20.4% | ||
| Q4 24 | — | 18.6% | ||
| Q3 24 | — | 21.4% | ||
| Q2 24 | — | 25.4% |
营业利润率CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -0.1% | ||
| Q3 25 | 25.9% | 4.1% | ||
| Q2 25 | 24.1% | 1.7% | ||
| Q1 25 | 33.2% | -3.8% | ||
| Q4 24 | 19.8% | -6.7% | ||
| Q3 24 | 20.9% | 0.0% | ||
| Q2 24 | 27.1% | 6.9% |
净利率CASHCVEO
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -4.0% | ||
| Q3 25 | 20.8% | -0.3% | ||
| Q2 25 | 21.5% | -2.0% | ||
| Q1 25 | 27.3% | -6.8% | ||
| Q4 24 | 16.4% | -10.2% | ||
| Q3 24 | 18.7% | -2.9% | ||
| Q2 24 | 23.8% | 4.4% |
每股收益（稀释后）CASHCVEO
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.58 | ||
| Q3 25 | $1.69 | $-0.04 | ||
| Q2 25 | $1.81 | $-0.25 | ||
| Q1 25 | $3.14 | $-0.72 | ||
| Q4 24 | $1.23 | $-1.04 | ||
| Q3 24 | $1.34 | $-0.36 | ||
| Q2 24 | $1.78 | $0.56 |
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 | $14.4M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $174.4M |
| 总资产 | $7.1B | $477.4M |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHCVEO
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $14.4M | ||
| Q3 25 | $120.6M | $12.0M | ||
| Q2 25 | $258.3M | $14.6M | ||
| Q1 25 | $254.2M | $28.4M | ||
| Q4 24 | $597.4M | $5.2M | ||
| Q3 24 | $158.3M | $17.9M | ||
| Q2 24 | $298.9M | $7.4M |
总债务CASHCVEO
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $43.3M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHCVEO
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $174.4M | ||
| Q3 25 | $858.0M | $182.5M | ||
| Q2 25 | $819.0M | $209.4M | ||
| Q1 25 | $814.7M | $220.7M | ||
| Q4 24 | $758.3M | $236.4M | ||
| Q3 24 | $822.5M | $282.2M | ||
| Q2 24 | $748.4M | $297.4M |
总资产CASHCVEO
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $477.4M | ||
| Q3 25 | $7.2B | $491.1M | ||
| Q2 25 | $7.2B | $508.8M | ||
| Q1 25 | $7.0B | $423.8M | ||
| Q4 24 | $7.6B | $405.1M | ||
| Q3 24 | $7.5B | $477.6M | ||
| Q2 24 | $7.5B | $483.2M |
负债/权益比CASHCVEO
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.18× | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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 | — | $19.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.5M |
| 自由现金流率自由现金流/营收 | — | 8.9% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $2.1M |
8季度趋势，按日历期对齐
经营现金流CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $19.3M | ||
| Q3 25 | $303.7M | $13.8M | ||
| Q2 25 | $30.4M | $-2.3M | ||
| Q1 25 | $188.3M | $-8.4M | ||
| Q4 24 | $-71.7M | $9.5M | ||
| Q3 24 | $143.1M | $35.7M | ||
| Q2 24 | $113.2M | $32.4M |
自由现金流CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $14.5M | ||
| Q3 25 | $300.3M | $8.2M | ||
| Q2 25 | $27.7M | $-6.8M | ||
| Q1 25 | $184.7M | $-13.7M | ||
| Q4 24 | $-73.8M | $1.8M | ||
| Q3 24 | $138.8M | $28.2M | ||
| Q2 24 | $111.0M | $27.0M |
自由现金流率CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 8.9% | ||
| Q3 25 | 160.9% | 4.8% | ||
| Q2 25 | 14.1% | -4.2% | ||
| Q1 25 | 67.2% | -9.5% | ||
| Q4 24 | -40.4% | 1.2% | ||
| Q3 24 | 77.3% | 16.0% | ||
| Q2 24 | 58.8% | 14.3% |
资本支出强度CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.0% | ||
| Q3 25 | 1.8% | 3.3% | ||
| Q2 25 | 1.4% | 2.8% | ||
| Q1 25 | 1.3% | 3.7% | ||
| Q4 24 | 1.1% | 5.1% | ||
| Q3 24 | 2.4% | 4.2% | ||
| Q2 24 | 1.2% | 2.8% |
现金转化率CASHCVEO
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | 3.93× |
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% |
CVEO
暂无分部数据
