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PATHWARD FINANCIAL, INC.（CASH）与达尔科技（DIOD）财务数据对比。点击上方公司名可切换其他公司
达尔科技的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$391.6M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 2.6%，领先23.8%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 13.9%）
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。
达尔科技是一家全球性半导体制造商，主营分立器件、模拟及混合信号半导体产品的设计、生产与销售，产品广泛应用于汽车、工业、消费电子、计算及通信基础设施等核心领域，服务全球各地客户。
CASH vs DIOD — 直观对比
营收规模更大
DIOD
是对方的1.4倍
$276.3M
净利率更高
CASH
高出23.8%
2.6%
两年增速更快
CASH
近两年复合增速
13.9%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $391.6M |
| 净利润 | $72.9M | $10.2M |
| 毛利率 | — | 31.1% |
| 营业利润率 | — | 3.4% |
| 净利率 | 26.4% | 2.6% |
| 营收同比 | — | 15.4% |
| 净利润同比 | — | 23.8% |
| 每股收益（稀释后） | $3.35 | $0.23 |
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CASHDIOD
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $391.6M | ||
| Q3 25 | $186.7M | $392.2M | ||
| Q2 25 | $195.8M | $366.2M | ||
| Q1 25 | $274.8M | $332.1M | ||
| Q4 24 | $182.6M | $339.3M | ||
| Q3 24 | $179.5M | $350.1M | ||
| Q2 24 | $188.6M | $319.8M |
净利润CASHDIOD
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $10.2M | ||
| Q3 25 | $38.8M | $14.3M | ||
| Q2 25 | $42.1M | $46.1M | ||
| Q1 25 | $75.0M | $-4.4M | ||
| Q4 24 | $30.0M | $8.2M | ||
| Q3 24 | $33.5M | $13.7M | ||
| Q2 24 | $44.9M | $8.0M |
毛利率CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | — | 31.1% | ||
| Q3 25 | — | 30.7% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 31.5% | ||
| Q4 24 | — | 32.7% | ||
| Q3 24 | — | 33.7% | ||
| Q2 24 | — | 33.6% |
营业利润率CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 3.4% | ||
| Q3 25 | 25.9% | 3.0% | ||
| Q2 25 | 24.1% | 2.6% | ||
| Q1 25 | 33.2% | 0.4% | ||
| Q4 24 | 19.8% | 3.5% | ||
| Q3 24 | 20.9% | 6.2% | ||
| Q2 24 | 27.1% | 1.2% |
净利率CASHDIOD
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 2.6% | ||
| Q3 25 | 20.8% | 3.6% | ||
| Q2 25 | 21.5% | 12.6% | ||
| Q1 25 | 27.3% | -1.3% | ||
| Q4 24 | 16.4% | 2.4% | ||
| Q3 24 | 18.7% | 3.9% | ||
| Q2 24 | 23.8% | 2.5% |
每股收益（稀释后）CASHDIOD
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.23 | ||
| Q3 25 | $1.69 | $0.31 | ||
| Q2 25 | $1.81 | $0.99 | ||
| Q1 25 | $3.14 | $-0.10 | ||
| Q4 24 | $1.23 | $0.18 | ||
| Q3 24 | $1.34 | $0.30 | ||
| Q2 24 | $1.78 | $0.17 |
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 | $377.0M |
| 总债务越低越好 | $59.5M | $25.7M |
| 股东权益账面价值 | $850.7M | $1.9B |
| 总资产 | $7.1B | $2.4B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资CASHDIOD
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $377.0M | ||
| Q3 25 | $120.6M | $386.4M | ||
| Q2 25 | $258.3M | $327.3M | ||
| Q1 25 | $254.2M | $343.9M | ||
| Q4 24 | $597.4M | $316.1M | ||
| Q3 24 | $158.3M | $319.3M | ||
| Q2 24 | $298.9M | $273.9M |
总债务CASHDIOD
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $25.7M | ||
| Q3 25 | $33.5M | $24.9M | ||
| Q2 25 | $33.4M | $26.4M | ||
| Q1 25 | $33.4M | $20.5M | ||
| Q4 24 | $33.4M | $20.7M | ||
| Q3 24 | $33.4M | $22.2M | ||
| Q2 24 | $33.3M | $20.3M |
股东权益CASHDIOD
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.9B | ||
| Q3 25 | $858.0M | $1.9B | ||
| Q2 25 | $819.0M | $1.9B | ||
| Q1 25 | $814.7M | $1.8B | ||
| Q4 24 | $758.3M | $1.8B | ||
| Q3 24 | $822.5M | $1.8B | ||
| Q2 24 | $748.4M | $1.8B |
总资产CASHDIOD
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.4B | ||
| Q3 25 | $7.2B | $2.5B | ||
| Q2 25 | $7.2B | $2.5B | ||
| 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CASHDIOD
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.01× | ||
| Q3 25 | 0.04× | 0.01× | ||
| Q2 25 | 0.04× | 0.01× | ||
| Q1 25 | 0.04× | 0.01× | ||
| Q4 24 | 0.04× | 0.01× | ||
| Q3 24 | 0.04× | 0.01× | ||
| Q2 24 | 0.04× | 0.01× |
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 | — | $38.1M |
| 自由现金流经营现金流 - 资本支出 | — | $12.4M |
| 自由现金流率自由现金流/营收 | — | 3.2% |
| 资本支出强度资本支出/营收 | — | 6.6% |
| 现金转化率经营现金流/净利润 | — | 3.74× |
| 过去12个月自由现金流最近4个季度 | — | $137.2M |
8季度趋势，按日历期对齐
经营现金流CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $38.1M | ||
| Q3 25 | $303.7M | $79.1M | ||
| Q2 25 | $30.4M | $41.5M | ||
| Q1 25 | $188.3M | $56.7M | ||
| Q4 24 | $-71.7M | $81.8M | ||
| Q3 24 | $143.1M | $54.4M | ||
| Q2 24 | $113.2M | $14.4M |
自由现金流CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $12.4M | ||
| Q3 25 | $300.3M | $62.8M | ||
| Q2 25 | $27.7M | $21.1M | ||
| Q1 25 | $184.7M | $40.8M | ||
| Q4 24 | $-73.8M | $62.1M | ||
| Q3 24 | $138.8M | $39.4M | ||
| Q2 24 | $111.0M | $-3.5M |
自由现金流率CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 3.2% | ||
| Q3 25 | 160.9% | 16.0% | ||
| Q2 25 | 14.1% | 5.8% | ||
| Q1 25 | 67.2% | 12.3% | ||
| Q4 24 | -40.4% | 18.3% | ||
| Q3 24 | 77.3% | 11.2% | ||
| Q2 24 | 58.8% | -1.1% |
资本支出强度CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 6.6% | ||
| Q3 25 | 1.8% | 4.2% | ||
| Q2 25 | 1.4% | 5.6% | ||
| Q1 25 | 1.3% | 4.8% | ||
| Q4 24 | 1.1% | 5.8% | ||
| Q3 24 | 2.4% | 4.3% | ||
| Q2 24 | 1.2% | 5.6% |
现金转化率CASHDIOD
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 3.74× | ||
| Q3 25 | 7.83× | 5.54× | ||
| Q2 25 | 0.72× | 0.90× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 9.93× | ||
| Q3 24 | 4.27× | 3.95× | ||
| Q2 24 | 2.52× | 1.80× |
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% |
DIOD
| Distributor | $253.1M | 65% |
| Direct Sales | $138.5M | 35% |
