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PATHWARD FINANCIAL, INC.（CASH）与Crane NXT, Co.（CXT）财务数据对比。点击上方公司名可切换其他公司
Crane NXT, Co.的季度营收约是PATHWARD FINANCIAL, INC.的1.7倍（$476.9M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 10.1%，领先16.3%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 13.4%）
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。
Crane NXT是一家总部位于美国康涅狄格州斯坦福德的工业产品企业，由理查德·特勒·克莱恩于1855年创立。曾是美国头部卫浴配件制造商，1990年出售卫浴业务后，自1960年起逐步转型为多元化控股集团，目前核心业务涵盖航空航天与电子、工程材料、流体处理、控制设备四大板块，服务化工等多个行业领域。
CASH vs CXT — 直观对比
营收规模更大
CXT
是对方的1.7倍
$276.3M
净利率更高
CASH
高出16.3%
10.1%
两年增速更快
CASH
近两年复合增速
13.4%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $476.9M |
| 净利润 | $72.9M | $48.0M |
| 毛利率 | — | 42.4% |
| 营业利润率 | — | 16.7% |
| 净利率 | 26.4% | 10.1% |
| 营收同比 | — | 19.5% |
| 净利润同比 | — | -16.7% |
| 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CASHCXT
| Q1 26 | $276.3M | $476.9M | ||
| Q4 25 | $173.1M | $476.9M | ||
| Q3 25 | $186.7M | $445.1M | ||
| Q2 25 | $195.8M | $404.4M | ||
| Q1 25 | $274.8M | $330.3M | ||
| Q4 24 | $182.6M | $399.1M | ||
| Q3 24 | $179.5M | $403.5M | ||
| Q2 24 | $188.6M | $370.6M |
净利润CASHCXT
| Q1 26 | $72.9M | $48.0M | ||
| Q4 25 | $35.2M | $47.5M | ||
| Q3 25 | $38.8M | $50.5M | ||
| Q2 25 | $42.1M | $24.9M | ||
| Q1 25 | $75.0M | $21.7M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $47.1M | ||
| Q2 24 | $44.9M | $41.6M |
毛利率CASHCXT
| Q1 26 | — | 42.4% | ||
| Q4 25 | — | 42.4% | ||
| Q3 25 | — | 43.3% | ||
| Q2 25 | — | 41.7% | ||
| Q1 25 | — | 42.4% | ||
| Q4 24 | — | 45.2% | ||
| Q3 24 | — | 42.5% | ||
| Q2 24 | — | 43.4% |
营业利润率CASHCXT
| Q1 26 | — | 16.7% | ||
| Q4 25 | 24.6% | 16.7% | ||
| Q3 25 | 25.9% | 18.4% | ||
| Q2 25 | 24.1% | 11.8% | ||
| Q1 25 | 33.2% | 11.3% | ||
| Q4 24 | 19.8% | 17.7% | ||
| Q3 24 | 20.9% | 18.6% | ||
| Q2 24 | 27.1% | 18.2% |
净利率CASHCXT
| Q1 26 | 26.4% | 10.1% | ||
| Q4 25 | 20.3% | 10.0% | ||
| Q3 25 | 20.8% | 11.3% | ||
| Q2 25 | 21.5% | 6.2% | ||
| Q1 25 | 27.3% | 6.6% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 11.7% | ||
| Q2 24 | 23.8% | 11.2% |
每股收益（稀释后）CASHCXT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.82 | ||
| Q3 25 | $1.69 | $0.87 | ||
| Q2 25 | $1.81 | $0.43 | ||
| Q1 25 | $3.14 | $0.38 | ||
| Q4 24 | $1.23 | $1.00 | ||
| Q3 24 | $1.34 | $0.81 | ||
| Q2 24 | $1.78 | $0.72 |
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 | $233.8M |
| 总债务越低越好 | $59.5M | $1.1B |
| 股东权益账面价值 | $850.7M | $1.2B |
| 总资产 | $7.1B | $3.1B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资CASHCXT
| Q1 26 | $157.6M | $233.8M | ||
| Q4 25 | $331.2M | $233.8M | ||
| Q3 25 | $120.6M | $182.4M | ||
| Q2 25 | $258.3M | $152.5M | ||
| Q1 25 | $254.2M | $173.8M | ||
| Q4 24 | $597.4M | $165.8M | ||
| Q3 24 | $158.3M | $165.1M | ||
| Q2 24 | $298.9M | $175.5M |
总债务CASHCXT
| Q1 26 | $59.5M | $1.1B | ||
| Q4 25 | $33.5M | $1.0B | ||
| Q3 25 | $33.5M | $834.3M | ||
| Q2 25 | $33.4M | $861.8M | ||
| Q1 25 | $33.4M | $541.1M | ||
| Q4 24 | $33.4M | $540.6M | ||
| Q3 24 | $33.4M | $638.2M | ||
| Q2 24 | $33.3M | $638.9M |
股东权益CASHCXT
| Q1 26 | $850.7M | $1.2B | ||
| Q4 25 | $854.5M | $1.3B | ||
| Q3 25 | $858.0M | $1.2B | ||
| Q2 25 | $819.0M | $1.2B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.1B | ||
| Q3 24 | $822.5M | $1.1B | ||
| Q2 24 | $748.4M | $989.8M |
总资产CASHCXT
| Q1 26 | $7.1B | $3.1B | ||
| Q4 25 | $7.6B | $3.1B | ||
| Q3 25 | $7.2B | $2.9B | ||
| Q2 25 | $7.2B | $2.9B | ||
| Q1 25 | $7.0B | $2.4B | ||
| Q4 24 | $7.6B | $2.4B | ||
| Q3 24 | $7.5B | $2.4B | ||
| Q2 24 | $7.5B | $2.4B |
负债/权益比CASHCXT
| Q1 26 | 0.07× | 0.91× | ||
| Q4 25 | 0.04× | 0.80× | ||
| Q3 25 | 0.04× | 0.69× | ||
| Q2 25 | 0.04× | 0.73× | ||
| Q1 25 | 0.04× | 0.49× | ||
| Q4 24 | 0.04× | 0.51× | ||
| Q3 24 | 0.04× | 0.60× | ||
| Q2 24 | 0.04× | 0.65× |
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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $96.0M |
| 自由现金流率自由现金流/营收 | — | 20.1% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHCXT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $105.8M | ||
| Q3 25 | $303.7M | $92.0M | ||
| Q2 25 | $30.4M | $62.8M | ||
| Q1 25 | $188.3M | $-19.1M | ||
| Q4 24 | $-71.7M | $81.1M | ||
| Q3 24 | $143.1M | $66.7M | ||
| Q2 24 | $113.2M | $56.8M |
自由现金流CASHCXT
| Q1 26 | — | $96.0M | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | $78.7M | ||
| Q2 25 | $27.7M | $55.8M | ||
| Q1 25 | $184.7M | $-32.2M | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | $53.5M | ||
| Q2 24 | $111.0M | $47.9M |
自由现金流率CASHCXT
| Q1 26 | — | 20.1% | ||
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | 17.7% | ||
| Q2 25 | 14.1% | 13.8% | ||
| Q1 25 | 67.2% | -9.7% | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | 13.3% | ||
| Q2 24 | 58.8% | 12.9% |
资本支出强度CASHCXT
| Q1 26 | — | 2.1% | ||
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | 3.0% | ||
| Q2 25 | 1.4% | 1.7% | ||
| Q1 25 | 1.3% | 4.0% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | 3.3% | ||
| Q2 24 | 1.2% | 2.4% |
现金转化率CASHCXT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 2.23× | ||
| Q3 25 | 7.83× | 1.82× | ||
| Q2 25 | 0.72× | 2.52× | ||
| Q1 25 | 2.51× | -0.88× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 1.42× | ||
| Q2 24 | 2.52× | 1.37× |
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% |
CXT
| Security and Authentication Technologies | $260.9M | 55% |
| Crane Payment Innovations | $216.0M | 45% |
