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PATHWARD FINANCIAL, INC.（CASH）与DigitalOcean Holdings, Inc.（DOCN）财务数据对比。点击上方公司名可切换其他公司
DigitalOcean Holdings, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$242.4M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 10.6%，领先9.7%），DigitalOcean Holdings, Inc.同比增速更快（18.3% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $31.1M），过去两年DigitalOcean Holdings, Inc.的营收复合增速更高（14.5% vs -18.0%）
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。
DigitalOcean Holdings, Inc.是美国跨国科技企业及云服务提供商，总部位于美国科罗拉多州布鲁姆菲尔德，在全球布局15个数据中心，面向开发者、初创企业及中小微企业提供稳定易用的云基础设施即服务平台，助力各类技术团队高效开展业务。
CASH vs DOCN — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $242.4M |
| 净利润 | $35.2M | $25.7M |
| 毛利率 | — | 58.7% |
| 营业利润率 | 24.6% | 16.0% |
| 净利率 | 20.3% | 10.6% |
| 营收同比 | -0.2% | 18.3% |
| 净利润同比 | 11.9% | 40.5% |
| 每股收益（稀释后） | $1.57 | $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
| Q4 25 | $173.1M | $242.4M | ||
| Q3 25 | $186.7M | $229.6M | ||
| Q2 25 | $195.8M | $218.7M | ||
| Q1 25 | $274.8M | $210.7M | ||
| Q4 24 | $182.6M | $204.9M | ||
| Q3 24 | $179.5M | $198.5M | ||
| Q2 24 | $188.6M | $192.5M | ||
| Q1 24 | $257.6M | $184.7M |
| Q4 25 | $35.2M | $25.7M | ||
| Q3 25 | $38.8M | $158.4M | ||
| Q2 25 | $42.1M | $37.0M | ||
| Q1 25 | $75.0M | $38.2M | ||
| Q4 24 | $30.0M | $18.3M | ||
| Q3 24 | $33.5M | $32.9M | ||
| Q2 24 | $44.9M | $19.1M | ||
| Q1 24 | $69.9M | $14.1M |
| Q4 25 | — | 58.7% | ||
| Q3 25 | — | 59.6% | ||
| Q2 25 | — | 59.9% | ||
| Q1 25 | — | 61.4% | ||
| Q4 24 | — | 57.1% | ||
| Q3 24 | — | 60.2% | ||
| Q2 24 | — | 61.0% | ||
| Q1 24 | — | 60.7% |
| Q4 25 | 24.6% | 16.0% | ||
| Q3 25 | 25.9% | 19.6% | ||
| Q2 25 | 24.1% | 16.3% | ||
| Q1 25 | 33.2% | 17.9% | ||
| Q4 24 | 19.8% | 15.9% | ||
| Q3 24 | 20.9% | 12.4% | ||
| Q2 24 | 27.1% | 11.6% | ||
| Q1 24 | 33.8% | 6.2% |
| Q4 25 | 20.3% | 10.6% | ||
| Q3 25 | 20.8% | 69.0% | ||
| Q2 25 | 21.5% | 16.9% | ||
| Q1 25 | 27.3% | 18.1% | ||
| Q4 24 | 16.4% | 8.9% | ||
| Q3 24 | 18.7% | 16.6% | ||
| Q2 24 | 23.8% | 9.9% | ||
| Q1 24 | 27.1% | 7.7% |
| Q4 25 | $1.57 | $0.23 | ||
| Q3 25 | $1.69 | $1.51 | ||
| Q2 25 | $1.81 | $0.39 | ||
| Q1 25 | $3.14 | $0.39 | ||
| Q4 24 | $1.23 | $0.21 | ||
| Q3 24 | $1.34 | $0.33 | ||
| Q2 24 | $1.78 | $0.20 | ||
| Q1 24 | $2.74 | $0.15 |
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 | $331.2M | $254.5M |
| 总债务越低越好 | $33.5M | $1.3B |
| 股东权益账面价值 | $854.5M | $-28.7M |
| 总资产 | $7.6B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
| Q4 25 | $331.2M | $254.5M | ||
| Q3 25 | $120.6M | $236.6M | ||
| Q2 25 | $258.3M | $387.7M | ||
| Q1 25 | $254.2M | $360.4M | ||
| Q4 24 | $597.4M | $428.4M | ||
| Q3 24 | $158.3M | $439.9M | ||
| Q2 24 | $298.9M | $443.1M | ||
| Q1 24 | $347.9M | $419.1M |
| Q4 25 | $33.5M | $1.3B | ||
| Q3 25 | $33.5M | $1.3B | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $1.5B | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
| Q4 25 | $854.5M | $-28.7M | ||
| Q3 25 | $858.0M | $-69.6M | ||
| Q2 25 | $819.0M | $-175.2M | ||
| Q1 25 | $814.7M | $-210.7M | ||
| Q4 24 | $758.3M | $-203.0M | ||
| Q3 24 | $822.5M | $-211.7M | ||
| Q2 24 | $748.4M | $-253.8M | ||
| Q1 24 | $719.5M | $-286.1M |
| Q4 25 | $7.6B | $1.8B | ||
| Q3 25 | $7.2B | $1.7B | ||
| Q2 25 | $7.2B | $1.7B | ||
| Q1 25 | $7.0B | $1.6B | ||
| Q4 24 | $7.6B | $1.6B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.5B | ||
| Q1 24 | $7.4B | $1.5B |
| 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× | — | ||
| Q1 24 | 0.05× | — |
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 | $108.3M | $57.3M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $31.1M |
| 自由现金流率自由现金流/营收 | 60.1% | 12.8% |
| 资本支出强度资本支出/营收 | 2.4% | 10.8% |
| 现金转化率经营现金流/净利润 | 3.08× | 2.23× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $180.5M |
8季度趋势，按日历期对齐
| Q4 25 | $108.3M | $57.3M | ||
| Q3 25 | $303.7M | $95.8M | ||
| Q2 25 | $30.4M | $92.4M | ||
| Q1 25 | $188.3M | $64.1M | ||
| Q4 24 | $-71.7M | $71.3M | ||
| Q3 24 | $143.1M | $73.4M | ||
| Q2 24 | $113.2M | $71.3M | ||
| Q1 24 | $203.0M | $66.7M |
| Q4 25 | $104.1M | $31.1M | ||
| Q3 25 | $300.3M | $88.0M | ||
| Q2 25 | $27.7M | $59.3M | ||
| Q1 25 | $184.7M | $2.1M | ||
| Q4 24 | $-73.8M | $26.1M | ||
| Q3 24 | $138.8M | $16.0M | ||
| Q2 24 | $111.0M | $39.5M | ||
| Q1 24 | $201.3M | $23.0M |
| Q4 25 | 60.1% | 12.8% | ||
| Q3 25 | 160.9% | 38.3% | ||
| Q2 25 | 14.1% | 27.1% | ||
| Q1 25 | 67.2% | 1.0% | ||
| Q4 24 | -40.4% | 12.7% | ||
| Q3 24 | 77.3% | 8.1% | ||
| Q2 24 | 58.8% | 20.5% | ||
| Q1 24 | 78.1% | 12.5% |
| Q4 25 | 2.4% | 10.8% | ||
| Q3 25 | 1.8% | 3.4% | ||
| Q2 25 | 1.4% | 15.2% | ||
| Q1 25 | 1.3% | 29.4% | ||
| Q4 24 | 1.1% | 22.1% | ||
| Q3 24 | 2.4% | 28.9% | ||
| Q2 24 | 1.2% | 16.6% | ||
| Q1 24 | 0.7% | 23.6% |
| Q4 25 | 3.08× | 2.23× | ||
| Q3 25 | 7.83× | 0.60× | ||
| Q2 25 | 0.72× | 2.50× | ||
| Q1 25 | 2.51× | 1.68× | ||
| Q4 24 | -2.39× | 3.91× | ||
| Q3 24 | 4.27× | 2.23× | ||
| Q2 24 | 2.52× | 3.73× | ||
| Q1 24 | 2.90× | 4.72× |
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
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
DOCN
| Scalers | $84.3M | 35% |
| Scalers Plus | $69.9M | 29% |
| Builders | $64.1M | 26% |
| Learners Testers And Other | $24.1M | 10% |
