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PATHWARD FINANCIAL, INC.（CASH）与Sprinklr, Inc.（CXM）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Sprinklr, Inc.的1.3倍（$276.3M vs $219.1M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 1.3%，领先25.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 6.2%）
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。
Sprinklr是美国的一家SaaS企业，专注于客户体验管理（CXM）平台研发。其同名产品整合了社媒营销、社交广告、内容管理、团队协作、员工倡导、客户服务、社媒调研与监测等多类应用模块，为企业提供全链路的客户体验管理解决方案。
CASH vs CXM — 直观对比
营收规模更大
CASH
是对方的1.3倍
$219.1M
净利率更高
CASH
高出25.1%
1.3%
两年增速更快
CASH
近两年复合增速
6.2%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $219.1M |
| 净利润 | $72.9M | $2.9M |
| 毛利率 | — | 66.4% |
| 营业利润率 | — | 5.3% |
| 净利率 | 26.4% | 1.3% |
| 营收同比 | — | 9.2% |
| 净利润同比 | — | -72.2% |
| 每股收益（稀释后） | $3.35 | $0.01 |
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CASHCXM
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $219.1M | ||
| Q3 25 | $186.7M | $212.0M | ||
| Q2 25 | $195.8M | $205.5M | ||
| Q1 25 | $274.8M | $202.5M | ||
| Q4 24 | $182.6M | $200.7M | ||
| Q3 24 | $179.5M | $197.2M | ||
| Q2 24 | $188.6M | $196.0M |
净利润CASHCXM
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $2.9M | ||
| Q3 25 | $38.8M | $12.6M | ||
| Q2 25 | $42.1M | $-1.6M | ||
| Q1 25 | $75.0M | $98.7M | ||
| Q4 24 | $30.0M | $10.5M | ||
| Q3 24 | $33.5M | $1.8M | ||
| Q2 24 | $44.9M | $10.6M |
毛利率CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | — | 66.4% | ||
| Q3 25 | — | 68.2% | ||
| Q2 25 | — | 69.5% | ||
| Q1 25 | — | 71.0% | ||
| Q4 24 | — | 71.2% | ||
| Q3 24 | — | 72.6% | ||
| Q2 24 | — | 73.9% |
营业利润率CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.3% | ||
| Q3 25 | 25.9% | 7.7% | ||
| Q2 25 | 24.1% | -0.9% | ||
| Q1 25 | 33.2% | 5.2% | ||
| Q4 24 | 19.8% | 3.9% | ||
| Q3 24 | 20.9% | -0.0% | ||
| Q2 24 | 27.1% | 2.9% |
净利率CASHCXM
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 1.3% | ||
| Q3 25 | 20.8% | 5.9% | ||
| Q2 25 | 21.5% | -0.8% | ||
| Q1 25 | 27.3% | 48.7% | ||
| Q4 24 | 16.4% | 5.2% | ||
| Q3 24 | 18.7% | 0.9% | ||
| Q2 24 | 23.8% | 5.4% |
每股收益（稀释后）CASHCXM
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.01 | ||
| Q3 25 | $1.69 | $0.05 | ||
| Q2 25 | $1.81 | $-0.01 | ||
| Q1 25 | $3.14 | $0.35 | ||
| Q4 24 | $1.23 | $0.04 | ||
| Q3 24 | $1.34 | $0.01 | ||
| Q2 24 | $1.78 | $0.04 |
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 | $189.6M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $558.1M |
| 总资产 | $7.1B | $1.1B |
| 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CASHCXM
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $189.6M | ||
| Q3 25 | $120.6M | $125.4M | ||
| Q2 25 | $258.3M | $126.4M | ||
| Q1 25 | $254.2M | $145.3M | ||
| Q4 24 | $597.4M | $93.2M | ||
| Q3 24 | $158.3M | $119.1M | ||
| Q2 24 | $298.9M | $126.8M |
总债务CASHCXM
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHCXM
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $558.1M | ||
| Q3 25 | $858.0M | $543.4M | ||
| Q2 25 | $819.0M | $639.8M | ||
| Q1 25 | $814.7M | $612.1M | ||
| Q4 24 | $758.3M | $497.0M | ||
| Q3 24 | $822.5M | $469.0M | ||
| Q2 24 | $748.4M | $610.9M |
总资产CASHCXM
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.1B | ||
| Q3 25 | $7.2B | $1.1B | ||
| Q2 25 | $7.2B | $1.2B | ||
| Q1 25 | $7.0B | $1.2B | ||
| Q4 24 | $7.6B | $970.3M | ||
| Q3 24 | $7.5B | $983.8M | ||
| Q2 24 | $7.5B | $1.1B |
负债/权益比CASHCXM
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| 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 | — | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $19.8M |
| 自由现金流率自由现金流/营收 | — | 9.0% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 6.87× |
| 过去12个月自由现金流最近4个季度 | — | $142.3M |
8季度趋势，按日历期对齐
经营现金流CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $20.0M | ||
| Q3 25 | $303.7M | $34.8M | ||
| Q2 25 | $30.4M | $83.8M | ||
| Q1 25 | $188.3M | $5.4M | ||
| Q4 24 | $-71.7M | $9.2M | ||
| Q3 24 | $143.1M | $21.3M | ||
| Q2 24 | $113.2M | $41.7M |
自由现金流CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $19.8M | ||
| Q3 25 | $300.3M | $34.4M | ||
| Q2 25 | $27.7M | $83.5M | ||
| Q1 25 | $184.7M | $4.6M | ||
| Q4 24 | $-73.8M | $8.2M | ||
| Q3 24 | $138.8M | $19.8M | ||
| Q2 24 | $111.0M | $39.2M |
自由现金流率CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 9.0% | ||
| Q3 25 | 160.9% | 16.2% | ||
| Q2 25 | 14.1% | 40.6% | ||
| Q1 25 | 67.2% | 2.3% | ||
| Q4 24 | -40.4% | 4.1% | ||
| Q3 24 | 77.3% | 10.1% | ||
| Q2 24 | 58.8% | 20.0% |
资本支出强度CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.1% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 1.4% | 0.1% | ||
| Q1 25 | 1.3% | 0.4% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.8% | ||
| Q2 24 | 1.2% | 1.3% |
现金转化率CASHCXM
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 6.87× | ||
| Q3 25 | 7.83× | 2.76× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 0.05× | ||
| Q4 24 | -2.39× | 0.88× | ||
| Q3 24 | 4.27× | 11.58× | ||
| Q2 24 | 2.52× | 3.92× |
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% |
CXM
| License And Service | $190.3M | 87% |
| Professional Services | $28.8M | 13% |
