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PATHWARD FINANCIAL, INC.（CASH）与Ecovyst Inc.（ECVT）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Ecovyst Inc.的1.4倍（$276.3M vs $199.4M），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 18.7%）
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。
Ecovyst Inc.是一家全球可持续特种材料供应商，主营高性能催化剂与功能性添加剂的研发、生产，产品服务覆盖工业制造、消费品、环保等核心领域，助力全球客户提升运营效率、降低碳排放。
CASH vs ECVT — 直观对比
营收规模更大
CASH
是对方的1.4倍
$199.4M
两年增速更快
CASH
近两年复合增速
18.7%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $199.4M |
| 净利润 | $72.9M | — |
| 毛利率 | — | 23.4% |
| 营业利润率 | — | 10.9% |
| 净利率 | 26.4% | — |
| 营收同比 | — | 34.0% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $0.06 |
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CASHECVT
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $199.4M | ||
| Q3 25 | $186.7M | $204.9M | ||
| Q2 25 | $195.8M | $176.1M | ||
| Q1 25 | $274.8M | $143.1M | ||
| Q4 24 | $182.6M | $148.9M | ||
| Q3 24 | $179.5M | $153.9M | ||
| Q2 24 | $188.6M | $154.0M |
净利润CASHECVT
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-79.3M | ||
| Q2 25 | $42.1M | $6.0M | ||
| Q1 25 | $75.0M | $-3.6M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $14.3M | ||
| Q2 24 | $44.9M | $8.3M |
毛利率CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | — | 23.4% | ||
| Q3 25 | — | 25.4% | ||
| Q2 25 | — | 22.8% | ||
| Q1 25 | — | 13.3% | ||
| Q4 24 | — | 28.9% | ||
| Q3 24 | — | 29.3% | ||
| Q2 24 | — | 27.3% |
营业利润率CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 10.9% | ||
| Q3 25 | 25.9% | 13.8% | ||
| Q2 25 | 24.1% | 9.0% | ||
| Q1 25 | 33.2% | -0.7% | ||
| Q4 24 | 19.8% | 15.1% | ||
| Q3 24 | 20.9% | 17.9% | ||
| Q2 24 | 27.1% | 14.1% |
净利率CASHECVT
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -38.7% | ||
| Q2 25 | 21.5% | 3.4% | ||
| Q1 25 | 27.3% | -2.5% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 9.3% | ||
| Q2 24 | 23.8% | 5.4% |
每股收益（稀释后）CASHECVT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.06 | ||
| Q3 25 | $1.69 | $-0.69 | ||
| Q2 25 | $1.81 | $0.05 | ||
| Q1 25 | $3.14 | $-0.03 | ||
| Q4 24 | $1.23 | $-0.26 | ||
| Q3 24 | $1.34 | $0.12 | ||
| Q2 24 | $1.78 | $0.07 |
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 | $197.2M |
| 总债务越低越好 | $59.5M | $392.6M |
| 股东权益账面价值 | $850.7M | $603.4M |
| 总资产 | $7.1B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.65× |
8季度趋势，按日历期对齐
现金及短期投资CASHECVT
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $197.2M | ||
| Q3 25 | $120.6M | $82.0M | ||
| Q2 25 | $258.3M | $69.6M | ||
| Q1 25 | $254.2M | $127.5M | ||
| Q4 24 | $597.4M | $131.4M | ||
| Q3 24 | $158.3M | $123.5M | ||
| Q2 24 | $298.9M | $83.3M |
总债务CASHECVT
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $392.6M | ||
| Q3 25 | $33.5M | $854.8M | ||
| Q2 25 | $33.4M | $856.6M | ||
| Q1 25 | $33.4M | $859.0M | ||
| Q4 24 | $33.4M | $860.8M | ||
| Q3 24 | $33.4M | $862.7M | ||
| Q2 24 | $33.3M | $862.4M |
股东权益CASHECVT
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $603.4M | ||
| Q3 25 | $858.0M | $607.9M | ||
| Q2 25 | $819.0M | $692.4M | ||
| Q1 25 | $814.7M | $698.7M | ||
| Q4 24 | $758.3M | $700.5M | ||
| Q3 24 | $822.5M | $729.4M | ||
| Q2 24 | $748.4M | $717.3M |
总资产CASHECVT
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.2B | $1.7B | ||
| Q2 25 | $7.2B | $1.8B | ||
| Q1 25 | $7.0B | $1.8B | ||
| Q4 24 | $7.6B | $1.8B | ||
| Q3 24 | $7.5B | $1.8B | ||
| Q2 24 | $7.5B | $1.8B |
负债/权益比CASHECVT
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.65× | ||
| Q3 25 | 0.04× | 1.41× | ||
| Q2 25 | 0.04× | 1.24× | ||
| Q1 25 | 0.04× | 1.23× | ||
| Q4 24 | 0.04× | 1.23× | ||
| Q3 24 | 0.04× | 1.18× | ||
| Q2 24 | 0.04× | 1.20× |
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 | — | $41.8M |
| 自由现金流经营现金流 - 资本支出 | — | $22.9M |
| 自由现金流率自由现金流/营收 | — | 11.5% |
| 资本支出强度资本支出/营收 | — | 9.4% |
| 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 | — | $69.9M |
8季度趋势，按日历期对齐
经营现金流CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $41.8M | ||
| Q3 25 | $303.7M | $55.3M | ||
| Q2 25 | $30.4M | $33.0M | ||
| Q1 25 | $188.3M | $10.3M | ||
| Q4 24 | $-71.7M | $43.5M | ||
| Q3 24 | $143.1M | $59.9M | ||
| Q2 24 | $113.2M | $10.0M |
自由现金流CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $22.9M | ||
| Q3 25 | $300.3M | $53.2M | ||
| Q2 25 | $27.7M | $7.8M | ||
| Q1 25 | $184.7M | $-14.0M | ||
| Q4 24 | $-73.8M | $30.9M | ||
| Q3 24 | $138.8M | $53.6M | ||
| Q2 24 | $111.0M | $-9.3M |
自由现金流率CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 11.5% | ||
| Q3 25 | 160.9% | 26.0% | ||
| Q2 25 | 14.1% | 4.4% | ||
| Q1 25 | 67.2% | -9.8% | ||
| Q4 24 | -40.4% | 20.7% | ||
| Q3 24 | 77.3% | 34.9% | ||
| Q2 24 | 58.8% | -6.1% |
资本支出强度CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 9.4% | ||
| Q3 25 | 1.8% | 1.0% | ||
| Q2 25 | 1.4% | 14.4% | ||
| Q1 25 | 1.3% | 16.9% | ||
| Q4 24 | 1.1% | 8.5% | ||
| Q3 24 | 2.4% | 4.1% | ||
| Q2 24 | 1.2% | 12.5% |
现金转化率CASHECVT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 5.52× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 4.21× | ||
| Q2 24 | 2.52× | 1.20× |
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% |
ECVT
| Industrial Mining Automotive | $101.3M | 51% |
| Regeneration And Treatment Services | $90.0M | 45% |
| Other | $8.1M | 4% |
