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PATHWARD FINANCIAL, INC.（CASH）与e.l.f. Beauty, Inc.（ELF）财务数据对比。点击上方公司名可切换其他公司
e.l.f. Beauty, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.8倍（$489.5M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 8.0%，领先18.3%）
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。
e.l.f. Beauty是美国知名彩妆品牌，2004年创立，总部位于加利福尼亚州奥克兰。品牌产品线丰富，涵盖沐浴护肤产品、矿物彩妆、专业美妆工具、眼线笔、口红、腮红、睫毛膏等多个品类，产品销往全球18个国家，入驻Target、沃尔玛等主流零售渠道，过半营收来自品牌官网。
CASH vs ELF — 直观对比
营收规模更大
ELF
是对方的1.8倍
$276.3M
净利率更高
CASH
高出18.3%
8.0%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $489.5M |
| 净利润 | $72.9M | $39.4M |
| 毛利率 | — | 71.0% |
| 营业利润率 | — | 13.8% |
| 净利率 | 26.4% | 8.0% |
| 营收同比 | — | 37.8% |
| 净利润同比 | — | 128.1% |
| 每股收益（稀释后） | $3.35 | $0.65 |
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CASHELF
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $489.5M | ||
| Q3 25 | $186.7M | $343.9M | ||
| Q2 25 | $195.8M | $353.7M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | — | ||
| Q3 24 | $179.5M | — | ||
| Q2 24 | $188.6M | — |
净利润CASHELF
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $39.4M | ||
| Q3 25 | $38.8M | $3.0M | ||
| Q2 25 | $42.1M | $33.3M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | — | ||
| Q2 24 | $44.9M | — |
毛利率CASHELF
| Q1 26 | — | — | ||
| Q4 25 | — | 71.0% | ||
| Q3 25 | — | 69.4% | ||
| Q2 25 | — | 69.1% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CASHELF
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 13.8% | ||
| Q3 25 | 25.9% | 2.2% | ||
| Q2 25 | 24.1% | 13.8% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | — | ||
| Q2 24 | 27.1% | — |
净利率CASHELF
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 8.0% | ||
| Q3 25 | 20.8% | 0.9% | ||
| Q2 25 | 21.5% | 9.4% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | — | ||
| Q2 24 | 23.8% | — |
每股收益（稀释后）CASHELF
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.65 | ||
| Q3 25 | $1.69 | $0.05 | ||
| Q2 25 | $1.81 | $0.58 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | — |
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 | $196.8M |
| 总债务越低越好 | $59.5M | $816.7M |
| 股东权益账面价值 | $850.7M | $1.2B |
| 总资产 | $7.1B | $2.3B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.70× |
8季度趋势，按日历期对齐
现金及短期投资CASHELF
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $196.8M | ||
| Q3 25 | $120.6M | $194.4M | ||
| Q2 25 | $258.3M | $170.0M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHELF
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $816.7M | ||
| Q3 25 | $33.5M | $831.6M | ||
| Q2 25 | $33.4M | $256.7M | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHELF
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.2B | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $804.9M | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | — | ||
| Q3 24 | $822.5M | — | ||
| Q2 24 | $748.4M | — |
总资产CASHELF
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.3B | ||
| Q3 25 | $7.2B | $2.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | — | ||
| Q3 24 | $7.5B | — | ||
| Q2 24 | $7.5B | — |
负债/权益比CASHELF
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.70× | ||
| Q3 25 | 0.04× | 0.73× | ||
| Q2 25 | 0.04× | 0.32× | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| 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 | — | $59.4M |
| 自由现金流经营现金流 - 资本支出 | — | $52.8M |
| 自由现金流率自由现金流/营收 | — | 10.8% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | 1.51× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHELF
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $59.4M | ||
| Q3 25 | $303.7M | $23.4M | ||
| Q2 25 | $30.4M | $27.2M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | — |
自由现金流CASHELF
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $52.8M | ||
| Q3 25 | $300.3M | $16.6M | ||
| Q2 25 | $27.7M | $20.1M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | — |
自由现金流率CASHELF
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 10.8% | ||
| Q3 25 | 160.9% | 4.8% | ||
| Q2 25 | 14.1% | 5.7% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | — |
资本支出强度CASHELF
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.4% | ||
| Q3 25 | 1.8% | 2.0% | ||
| Q2 25 | 1.4% | 2.0% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
现金转化率CASHELF
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.51× | ||
| Q3 25 | 7.83× | 7.82× | ||
| Q2 25 | 0.72× | 0.82× | ||
| 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% |
ELF
暂无分部数据
