vs
PATHWARD FINANCIAL, INC.（CASH）与8X8 INC（EGHT）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8X8 INC的1.5倍（$276.3M vs $185.1M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 2.8%，领先23.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 1.6%）
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。
8x8 Inc是源自美国的企业级云通信与客户体验软件服务商，依托云架构为企业提供统一通信、呼叫中心及通信平台即服务（CPaaS）等产品方案，公司总部位于加利福尼亚州坎贝尔，其股票在纳斯达克交易所挂牌交易。
CASH vs EGHT — 直观对比
营收规模更大
CASH
是对方的1.5倍
$185.1M
净利率更高
CASH
高出23.6%
2.8%
两年增速更快
CASH
近两年复合增速
1.6%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $185.1M |
| 净利润 | $72.9M | $5.1M |
| 毛利率 | — | 63.9% |
| 营业利润率 | — | 5.2% |
| 净利率 | 26.4% | 2.8% |
| 营收同比 | — | 3.4% |
| 净利润同比 | — | 68.4% |
| 每股收益（稀释后） | $3.35 | $0.04 |
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CASHEGHT
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $185.1M | ||
| Q3 25 | $186.7M | $184.1M | ||
| Q2 25 | $195.8M | $181.4M | ||
| Q1 25 | $274.8M | $177.0M | ||
| Q4 24 | $182.6M | $178.9M | ||
| Q3 24 | $179.5M | $181.0M | ||
| Q2 24 | $188.6M | $178.1M |
净利润CASHEGHT
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $5.1M | ||
| Q3 25 | $38.8M | $767.0K | ||
| Q2 25 | $42.1M | $-4.3M | ||
| Q1 25 | $75.0M | $-5.4M | ||
| Q4 24 | $30.0M | $3.0M | ||
| Q3 24 | $33.5M | $-14.5M | ||
| Q2 24 | $44.9M | $-10.3M |
毛利率CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | — | 63.9% | ||
| Q3 25 | — | 64.8% | ||
| Q2 25 | — | 66.4% | ||
| Q1 25 | — | 67.8% | ||
| Q4 24 | — | 67.7% | ||
| Q3 24 | — | 68.1% | ||
| Q2 24 | — | 67.9% |
营业利润率CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.2% | ||
| Q3 25 | 25.9% | 2.9% | ||
| Q2 25 | 24.1% | 0.3% | ||
| Q1 25 | 33.2% | 0.2% | ||
| Q4 24 | 19.8% | 5.0% | ||
| Q3 24 | 20.9% | 4.0% | ||
| Q2 24 | 27.1% | -0.8% |
净利率CASHEGHT
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 2.8% | ||
| Q3 25 | 20.8% | 0.4% | ||
| Q2 25 | 21.5% | -2.4% | ||
| Q1 25 | 27.3% | -3.1% | ||
| Q4 24 | 16.4% | 1.7% | ||
| Q3 24 | 18.7% | -8.0% | ||
| Q2 24 | 23.8% | -5.8% |
每股收益（稀释后）CASHEGHT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.04 | ||
| Q3 25 | $1.69 | $0.01 | ||
| Q2 25 | $1.81 | $-0.03 | ||
| Q1 25 | $3.14 | $-0.04 | ||
| Q4 24 | $1.23 | $0.02 | ||
| Q3 24 | $1.34 | $-0.11 | ||
| Q2 24 | $1.78 | $-0.08 |
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 | $86.9M |
| 总债务越低越好 | $59.5M | $321.2M |
| 股东权益账面价值 | $850.7M | $142.9M |
| 总资产 | $7.1B | $661.5M |
| 负债/权益比越低杠杆越低 | 0.07× | 2.25× |
8季度趋势，按日历期对齐
现金及短期投资CASHEGHT
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $86.9M | ||
| Q3 25 | $120.6M | $75.9M | ||
| Q2 25 | $258.3M | $81.3M | ||
| Q1 25 | $254.2M | $88.0M | ||
| Q4 24 | $597.4M | $104.2M | ||
| Q3 24 | $158.3M | $117.4M | ||
| Q2 24 | $298.9M | $130.8M |
总债务CASHEGHT
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $321.2M | ||
| Q3 25 | $33.5M | $325.8M | ||
| Q2 25 | $33.4M | $335.4M | ||
| Q1 25 | $33.4M | $350.0M | ||
| Q4 24 | $33.4M | $364.5M | ||
| Q3 24 | $33.4M | $396.9M | ||
| Q2 24 | $33.3M | — |
股东权益CASHEGHT
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $142.9M | ||
| Q3 25 | $858.0M | $133.2M | ||
| Q2 25 | $819.0M | $128.2M | ||
| Q1 25 | $814.7M | $122.2M | ||
| Q4 24 | $758.3M | $113.0M | ||
| Q3 24 | $822.5M | $109.8M | ||
| Q2 24 | $748.4M | $104.6M |
总资产CASHEGHT
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $661.5M | ||
| Q3 25 | $7.2B | $670.8M | ||
| Q2 25 | $7.2B | $684.3M | ||
| Q1 25 | $7.0B | $683.2M | ||
| Q4 24 | $7.6B | $698.2M | ||
| Q3 24 | $7.5B | $740.1M | ||
| Q2 24 | $7.5B | $755.7M |
负债/权益比CASHEGHT
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 2.25× | ||
| Q3 25 | 0.04× | 2.45× | ||
| Q2 25 | 0.04× | 2.62× | ||
| Q1 25 | 0.04× | 2.86× | ||
| Q4 24 | 0.04× | 3.23× | ||
| Q3 24 | 0.04× | 3.61× | ||
| Q2 24 | 0.04× | — |
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 | — | $20.7M |
| 自由现金流经营现金流 - 资本支出 | — | $19.1M |
| 自由现金流率自由现金流/营收 | — | 10.3% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | — | 4.07× |
| 过去12个月自由现金流最近4个季度 | — | $43.8M |
8季度趋势，按日历期对齐
经营现金流CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $20.7M | ||
| Q3 25 | $303.7M | $8.8M | ||
| Q2 25 | $30.4M | $11.9M | ||
| Q1 25 | $188.3M | $5.9M | ||
| Q4 24 | $-71.7M | $27.2M | ||
| Q3 24 | $143.1M | $12.3M | ||
| Q2 24 | $113.2M | $18.1M |
自由现金流CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $19.1M | ||
| Q3 25 | $300.3M | $7.7M | ||
| Q2 25 | $27.7M | $11.5M | ||
| Q1 25 | $184.7M | $5.5M | ||
| Q4 24 | $-73.8M | $26.8M | ||
| Q3 24 | $138.8M | $11.1M | ||
| Q2 24 | $111.0M | $17.8M |
自由现金流率CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 10.3% | ||
| Q3 25 | 160.9% | 4.2% | ||
| Q2 25 | 14.1% | 6.3% | ||
| Q1 25 | 67.2% | 3.1% | ||
| Q4 24 | -40.4% | 15.0% | ||
| Q3 24 | 77.3% | 6.1% | ||
| Q2 24 | 58.8% | 10.0% |
资本支出强度CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.9% | ||
| Q3 25 | 1.8% | 0.6% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.3% | 0.2% | ||
| Q4 24 | 1.1% | 0.3% | ||
| Q3 24 | 2.4% | 0.7% | ||
| Q2 24 | 1.2% | 0.2% |
现金转化率CASHEGHT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 4.07× | ||
| Q3 25 | 7.83× | 11.52× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 9.01× | ||
| 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% |
EGHT
| Services | $179.7M | 97% |
| Other | $5.4M | 3% |
