vs
PATHWARD FINANCIAL, INC.（CASH）与GRAFTECH INTERNATIONAL LTD（EAF）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GRAFTECH INTERNATIONAL LTD的2.2倍（$276.3M vs $125.1M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -34.6%，领先61.0%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -4.6%）
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。
格瑞泰克国际有限公司是石墨电极与石油焦生产商，其产品是电弧炉炼钢及其他金属生产的核心原材料。公司总部位于俄亥俄州布鲁克林海茨，在法国加来、西班牙潘普洛纳、墨西哥蒙特雷以及美国宾夕法尼亚州圣玛丽斯均设有生产基地。
CASH vs EAF — 直观对比
营收规模更大
CASH
是对方的2.2倍
$125.1M
净利率更高
CASH
高出61.0%
-34.6%
两年增速更快
CASH
近两年复合增速
-4.6%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $125.1M |
| 净利润 | $72.9M | $-43.3M |
| 毛利率 | — | -7.8% |
| 营业利润率 | — | — |
| 净利率 | 26.4% | -34.6% |
| 营收同比 | — | 11.9% |
| 净利润同比 | — | -10.0% |
| 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CASHEAF
| Q1 26 | $276.3M | $125.1M | ||
| Q4 25 | $173.1M | $116.5M | ||
| Q3 25 | $186.7M | $144.0M | ||
| Q2 25 | $195.8M | $131.8M | ||
| Q1 25 | $274.8M | $111.8M | ||
| Q4 24 | $182.6M | $134.2M | ||
| Q3 24 | $179.5M | $130.7M | ||
| Q2 24 | $188.6M | $137.3M |
净利润CASHEAF
| Q1 26 | $72.9M | $-43.3M | ||
| Q4 25 | $35.2M | $-65.1M | ||
| Q3 25 | $38.8M | $-28.5M | ||
| Q2 25 | $42.1M | $-86.9M | ||
| Q1 25 | $75.0M | $-39.4M | ||
| Q4 24 | $30.0M | $-49.5M | ||
| Q3 24 | $33.5M | $-36.1M | ||
| Q2 24 | $44.9M | $-14.8M |
毛利率CASHEAF
| Q1 26 | — | -7.8% | ||
| Q4 25 | — | -20.9% | ||
| Q3 25 | — | 7.2% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | -1.5% | ||
| Q4 24 | — | -7.8% | ||
| Q3 24 | — | -9.2% | ||
| Q2 24 | — | 2.9% |
营业利润率CASHEAF
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -33.6% | ||
| Q3 25 | 25.9% | -3.6% | ||
| Q2 25 | 24.1% | -11.0% | ||
| Q1 25 | 33.2% | -16.3% | ||
| Q4 24 | 19.8% | -18.6% | ||
| Q3 24 | 20.9% | -20.1% | ||
| Q2 24 | 27.1% | -2.0% |
净利率CASHEAF
| Q1 26 | 26.4% | -34.6% | ||
| Q4 25 | 20.3% | -55.9% | ||
| Q3 25 | 20.8% | -19.8% | ||
| Q2 25 | 21.5% | -65.9% | ||
| Q1 25 | 27.3% | -35.2% | ||
| Q4 24 | 16.4% | -36.9% | ||
| Q3 24 | 18.7% | -27.6% | ||
| Q2 24 | 23.8% | -10.7% |
每股收益（稀释后）CASHEAF
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-6.86 | ||
| Q3 25 | $1.69 | $-1.10 | ||
| Q2 25 | $1.81 | $-0.34 | ||
| Q1 25 | $3.14 | $-0.15 | ||
| Q4 24 | $1.23 | $-3.51 | ||
| Q3 24 | $1.34 | $-1.40 | ||
| Q2 24 | $1.78 | $-0.06 |
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 | $120.2M |
| 总债务越低越好 | $59.5M | $1.1B |
| 股东权益账面价值 | $850.7M | — |
| 总资产 | $7.1B | $997.2M |
| 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CASHEAF
| Q1 26 | $157.6M | $120.2M | ||
| 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 | $120.7M |
总债务CASHEAF
| Q1 26 | $59.5M | $1.1B | ||
| Q4 25 | $33.5M | $1.1B | ||
| Q3 25 | $33.5M | $1.1B | ||
| Q2 25 | $33.4M | $1.1B | ||
| Q1 25 | $33.4M | $1.1B | ||
| Q4 24 | $33.4M | $1.1B | ||
| Q3 24 | $33.4M | $929.5M | ||
| Q2 24 | $33.3M | $928.2M |
股东权益CASHEAF
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $-259.6M | ||
| Q3 25 | $858.0M | $-194.4M | ||
| Q2 25 | $819.0M | $-168.4M | ||
| Q1 25 | $814.7M | $-105.3M | ||
| Q4 24 | $758.3M | $-78.9M | ||
| Q3 24 | $822.5M | $-9.0M | ||
| Q2 24 | $748.4M | $16.2M |
总资产CASHEAF
| Q1 26 | $7.1B | $997.2M | ||
| Q4 25 | $7.6B | $1.0B | ||
| Q3 25 | $7.2B | $1.1B | ||
| Q2 25 | $7.2B | $1.1B | ||
| Q1 25 | $7.0B | $1.2B | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.1B | ||
| Q2 24 | $7.5B | $1.2B |
负债/权益比CASHEAF
| 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× | 57.16× |
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 | — | $-14.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-27.1M |
| 自由现金流率自由现金流/营收 | — | -21.6% |
| 资本支出强度资本支出/营收 | — | 9.7% |
| 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 | — | $-105.1M |
8季度趋势，按日历期对齐
经营现金流CASHEAF
| Q1 26 | — | $-14.9M | ||
| Q4 25 | $108.3M | $-20.9M | ||
| Q3 25 | $303.7M | $24.7M | ||
| Q2 25 | $30.4M | $-53.2M | ||
| Q1 25 | $188.3M | $-32.2M | ||
| Q4 24 | $-71.7M | $-26.4M | ||
| Q3 24 | $143.1M | $23.7M | ||
| Q2 24 | $113.2M | $-36.9M |
自由现金流CASHEAF
| Q1 26 | — | $-27.1M | ||
| Q4 25 | $104.1M | $-39.3M | ||
| Q3 25 | $300.3M | $18.4M | ||
| Q2 25 | $27.7M | $-57.1M | ||
| Q1 25 | $184.7M | $-42.5M | ||
| Q4 24 | $-73.8M | $-39.2M | ||
| Q3 24 | $138.8M | $19.7M | ||
| Q2 24 | $111.0M | $-43.8M |
自由现金流率CASHEAF
| Q1 26 | — | -21.6% | ||
| Q4 25 | 60.1% | -33.7% | ||
| Q3 25 | 160.9% | 12.8% | ||
| Q2 25 | 14.1% | -43.3% | ||
| Q1 25 | 67.2% | -38.0% | ||
| Q4 24 | -40.4% | -29.2% | ||
| Q3 24 | 77.3% | 15.1% | ||
| Q2 24 | 58.8% | -31.9% |
资本支出强度CASHEAF
| Q1 26 | — | 9.7% | ||
| Q4 25 | 2.4% | 15.8% | ||
| Q3 25 | 1.8% | 4.4% | ||
| Q2 25 | 1.4% | 3.0% | ||
| Q1 25 | 1.3% | 9.2% | ||
| Q4 24 | 1.1% | 9.5% | ||
| Q3 24 | 2.4% | 3.1% | ||
| Q2 24 | 1.2% | 5.1% |
现金转化率CASHEAF
| 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× | — | ||
| 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% |
EAF
暂无分部数据
