vs
PATHWARD FINANCIAL, INC.（CASH）与威伯科（CVGI）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是威伯科的1.8倍（$276.3M vs $154.8M），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -10.8%）
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。
威伯科控股曾是总部位于美国的重型商用车零部件供应商，主打电子制动、稳定性控制、悬挂及传动自动化系统，产品广泛应用于卡车、巴士、挂车以及非道路作业车辆等各类商用车领域，是商用车行业重要的零部件提供商。
CASH vs CVGI — 直观对比
营收规模更大
CASH
是对方的1.8倍
$154.8M
两年增速更快
CASH
近两年复合增速
-10.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $154.8M |
| 净利润 | $72.9M | — |
| 毛利率 | — | 9.7% |
| 营业利润率 | — | -1.2% |
| 净利率 | 26.4% | — |
| 营收同比 | — | -5.2% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | — |
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CASHCVGI
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $154.8M | ||
| Q3 25 | $186.7M | $152.5M | ||
| Q2 25 | $195.8M | $172.0M | ||
| Q1 25 | $274.8M | $169.8M | ||
| Q4 24 | $182.6M | $163.3M | ||
| Q3 24 | $179.5M | $171.8M | ||
| Q2 24 | $188.6M | $193.7M |
净利润CASHCVGI
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-7.1M | ||
| Q2 25 | $42.1M | $-4.8M | ||
| Q1 25 | $75.0M | $-4.3M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $9.5M | ||
| Q2 24 | $44.9M | $-1.6M |
毛利率CASHCVGI
| Q1 26 | — | — | ||
| Q4 25 | — | 9.7% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 11.4% | ||
| Q1 25 | — | 10.5% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 9.6% | ||
| Q2 24 | — | 10.6% |
营业利润率CASHCVGI
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -1.2% | ||
| Q3 25 | 25.9% | -0.7% | ||
| Q2 25 | 24.1% | 0.5% | ||
| Q1 25 | 33.2% | 0.8% | ||
| Q4 24 | 19.8% | -3.2% | ||
| Q3 24 | 20.9% | -0.6% | ||
| Q2 24 | 27.1% | 0.5% |
净利率CASHCVGI
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -4.6% | ||
| Q2 25 | 21.5% | -2.8% | ||
| Q1 25 | 27.3% | -2.5% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 5.5% | ||
| Q2 24 | 23.8% | -0.8% |
每股收益（稀释后）CASHCVGI
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | $-0.05 |
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 | — |
| 总债务越低越好 | $59.5M | $104.9M |
| 股东权益账面价值 | $850.7M | $133.4M |
| 总资产 | $7.1B | $391.7M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.79× |
8季度趋势，按日历期对齐
现金及短期投资CASHCVGI
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHCVGI
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $104.9M | ||
| Q3 25 | $33.5M | $108.2M | ||
| Q2 25 | $33.4M | $118.2M | ||
| Q1 25 | $33.4M | $117.4M | ||
| Q4 24 | $33.4M | $135.5M | ||
| Q3 24 | $33.4M | $128.8M | ||
| Q2 24 | $33.3M | $142.0M |
股东权益CASHCVGI
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $133.4M | ||
| Q3 25 | $858.0M | $136.5M | ||
| Q2 25 | $819.0M | $142.6M | ||
| Q1 25 | $814.7M | $136.7M | ||
| Q4 24 | $758.3M | $135.6M | ||
| Q3 24 | $822.5M | $179.3M | ||
| Q2 24 | $748.4M | $169.6M |
总资产CASHCVGI
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $391.7M | ||
| Q3 25 | $7.2B | $400.3M | ||
| Q2 25 | $7.2B | $429.8M | ||
| Q1 25 | $7.0B | $419.8M | ||
| Q4 24 | $7.6B | $424.6M | ||
| Q3 24 | $7.5B | $495.3M | ||
| Q2 24 | $7.5B | $503.2M |
负债/权益比CASHCVGI
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.79× | ||
| Q3 25 | 0.04× | 0.79× | ||
| Q2 25 | 0.04× | 0.83× | ||
| Q1 25 | 0.04× | 0.86× | ||
| Q4 24 | 0.04× | 1.00× | ||
| Q3 24 | 0.04× | 0.72× | ||
| Q2 24 | 0.04× | 0.84× |
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 | — | $12.3M |
| 自由现金流经营现金流 - 资本支出 | — | $8.7M |
| 自由现金流率自由现金流/营收 | — | 5.6% |
| 资本支出强度资本支出/营收 | — | 2.3% |
| 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 | — | $34.0M |
8季度趋势，按日历期对齐
经营现金流CASHCVGI
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $12.3M | ||
| Q3 25 | $303.7M | $-1.7M | ||
| Q2 25 | $30.4M | $18.9M | ||
| Q1 25 | $188.3M | $15.2M | ||
| Q4 24 | $-71.7M | $-26.6M | ||
| Q3 24 | $143.1M | $-17.1M | ||
| Q2 24 | $113.2M | $12.6M |
自由现金流CASHCVGI
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $8.7M | ||
| Q3 25 | $300.3M | $-3.5M | ||
| Q2 25 | $27.7M | $17.4M | ||
| Q1 25 | $184.7M | $11.4M | ||
| Q4 24 | $-73.8M | $-30.6M | ||
| Q3 24 | $138.8M | $-20.3M | ||
| Q2 24 | $111.0M | $6.4M |
自由现金流率CASHCVGI
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 5.6% | ||
| Q3 25 | 160.9% | -2.3% | ||
| Q2 25 | 14.1% | 10.1% | ||
| Q1 25 | 67.2% | 6.7% | ||
| Q4 24 | -40.4% | -18.7% | ||
| Q3 24 | 77.3% | -11.8% | ||
| Q2 24 | 58.8% | 3.3% |
资本支出强度CASHCVGI
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.3% | ||
| Q3 25 | 1.8% | 1.2% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 1.1% | 2.4% | ||
| Q3 24 | 2.4% | 1.9% | ||
| Q2 24 | 1.2% | 3.2% |
现金转化率CASHCVGI
| 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× | -1.79× | ||
| 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% |
CVGI
| Global Seating | $70.7M | 46% |
| Global Electrical Systems | $49.7M | 32% |
| Trim Systems And Components | $34.4M | 22% |
