vs
PATHWARD FINANCIAL, INC.（CASH）与ENERPAC TOOL GROUP CORP（EPAC）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ENERPAC TOOL GROUP CORP的1.9倍（$276.3M vs $144.2M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 13.3%，领先13.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 2.1%）
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。
恩派克工具集团前身为Actuant公司，成立于1910年，总部位于美国威斯康星州梅诺莫尼福尔斯，是一家历史悠久的工业工具企业，其普通股在纽约证券交易所上市，股票代码为EPAC。
CASH vs EPAC — 直观对比
营收规模更大
CASH
是对方的1.9倍
$144.2M
净利率更高
CASH
高出13.1%
13.3%
两年增速更快
CASH
近两年复合增速
2.1%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $144.2M |
| 净利润 | $72.9M | $19.1M |
| 毛利率 | — | 50.7% |
| 营业利润率 | — | 19.8% |
| 净利率 | 26.4% | 13.3% |
| 营收同比 | — | -0.7% |
| 净利润同比 | — | -11.9% |
| 每股收益（稀释后） | $3.35 | $0.36 |
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CASHEPAC
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $144.2M | ||
| Q3 25 | $186.7M | $167.5M | ||
| Q2 25 | $195.8M | $158.7M | ||
| Q1 25 | $274.8M | $145.5M | ||
| Q4 24 | $182.6M | $145.2M | ||
| Q3 24 | $179.5M | $158.7M | ||
| Q2 24 | $188.6M | $150.4M |
净利润CASHEPAC
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $19.1M | ||
| Q3 25 | $38.8M | $28.1M | ||
| Q2 25 | $42.1M | $22.0M | ||
| Q1 25 | $75.0M | $20.9M | ||
| Q4 24 | $30.0M | $21.7M | ||
| Q3 24 | $33.5M | $24.4M | ||
| Q2 24 | $44.9M | $25.8M |
毛利率CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | — | 50.7% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 50.4% | ||
| Q1 25 | — | 50.5% | ||
| Q4 24 | — | 51.4% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 51.8% |
营业利润率CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 19.8% | ||
| Q3 25 | 25.9% | 23.8% | ||
| Q2 25 | 24.1% | 20.0% | ||
| Q1 25 | 33.2% | 21.2% | ||
| Q4 24 | 19.8% | 21.4% | ||
| Q3 24 | 20.9% | 18.9% | ||
| Q2 24 | 27.1% | 22.2% |
净利率CASHEPAC
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 13.3% | ||
| Q3 25 | 20.8% | 16.8% | ||
| Q2 25 | 21.5% | 13.9% | ||
| Q1 25 | 27.3% | 14.4% | ||
| Q4 24 | 16.4% | 15.0% | ||
| Q3 24 | 18.7% | 15.4% | ||
| Q2 24 | 23.8% | 17.1% |
每股收益（稀释后）CASHEPAC
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.36 | ||
| Q3 25 | $1.69 | $0.51 | ||
| Q2 25 | $1.81 | $0.41 | ||
| Q1 25 | $3.14 | $0.38 | ||
| Q4 24 | $1.23 | $0.40 | ||
| Q3 24 | $1.34 | $0.44 | ||
| Q2 24 | $1.78 | $0.47 |
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 | $139.0M |
| 总债务越低越好 | $59.5M | $188.8M |
| 股东权益账面价值 | $850.7M | $431.1M |
| 总资产 | $7.1B | $818.1M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资CASHEPAC
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $139.0M | ||
| Q3 25 | $120.6M | $151.6M | ||
| Q2 25 | $258.3M | $140.5M | ||
| Q1 25 | $254.2M | $119.5M | ||
| Q4 24 | $597.4M | $130.7M | ||
| Q3 24 | $158.3M | $167.1M | ||
| Q2 24 | $298.9M | $132.4M |
总债务CASHEPAC
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $188.8M | ||
| Q3 25 | $33.5M | $190.0M | ||
| Q2 25 | $33.4M | $191.3M | ||
| Q1 25 | $33.4M | $192.5M | ||
| Q4 24 | $33.4M | $193.8M | ||
| Q3 24 | $33.4M | $195.0M | ||
| Q2 24 | $33.3M | $196.3M |
股东权益CASHEPAC
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $431.1M | ||
| Q3 25 | $858.0M | $433.7M | ||
| Q2 25 | $819.0M | $438.2M | ||
| Q1 25 | $814.7M | $406.0M | ||
| Q4 24 | $758.3M | $398.0M | ||
| Q3 24 | $822.5M | $392.0M | ||
| Q2 24 | $748.4M | $365.8M |
总资产CASHEPAC
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $818.1M | ||
| Q3 25 | $7.2B | $827.9M | ||
| Q2 25 | $7.2B | $828.1M | ||
| Q1 25 | $7.0B | $776.6M | ||
| Q4 24 | $7.6B | $775.4M | ||
| Q3 24 | $7.5B | $777.3M | ||
| Q2 24 | $7.5B | $749.5M |
负债/权益比CASHEPAC
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.44× | ||
| Q3 25 | 0.04× | 0.44× | ||
| Q2 25 | 0.04× | 0.44× | ||
| Q1 25 | 0.04× | 0.47× | ||
| Q4 24 | 0.04× | 0.49× | ||
| Q3 24 | 0.04× | 0.50× | ||
| Q2 24 | 0.04× | 0.54× |
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 | — | $16.0M |
| 自由现金流经营现金流 - 资本支出 | — | $13.3M |
| 自由现金流率自由现金流/营收 | — | 9.2% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 现金转化率经营现金流/净利润 | — | 0.84× |
| 过去12个月自由现金流最近4个季度 | — | $102.5M |
8季度趋势，按日历期对齐
经营现金流CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $16.0M | ||
| Q3 25 | $303.7M | $55.3M | ||
| Q2 25 | $30.4M | $39.9M | ||
| Q1 25 | $188.3M | $7.5M | ||
| Q4 24 | $-71.7M | $8.6M | ||
| Q3 24 | $143.1M | $44.4M | ||
| Q2 24 | $113.2M | $30.3M |
自由现金流CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $13.3M | ||
| Q3 25 | $300.3M | $52.3M | ||
| Q2 25 | $27.7M | $35.1M | ||
| Q1 25 | $184.7M | $1.8M | ||
| Q4 24 | $-73.8M | $2.8M | ||
| Q3 24 | $138.8M | $37.9M | ||
| Q2 24 | $111.0M | $28.5M |
自由现金流率CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 9.2% | ||
| Q3 25 | 160.9% | 31.2% | ||
| Q2 25 | 14.1% | 22.1% | ||
| Q1 25 | 67.2% | 1.2% | ||
| Q4 24 | -40.4% | 1.9% | ||
| Q3 24 | 77.3% | 23.9% | ||
| Q2 24 | 58.8% | 18.9% |
资本支出强度CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.9% | ||
| Q3 25 | 1.8% | 1.8% | ||
| Q2 25 | 1.4% | 3.1% | ||
| Q1 25 | 1.3% | 3.9% | ||
| Q4 24 | 1.1% | 4.0% | ||
| Q3 24 | 2.4% | 4.1% | ||
| Q2 24 | 1.2% | 1.2% |
现金转化率CASHEPAC
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.84× | ||
| Q3 25 | 7.83× | 1.97× | ||
| Q2 25 | 0.72× | 1.81× | ||
| Q1 25 | 2.51× | 0.36× | ||
| Q4 24 | -2.39× | 0.40× | ||
| Q3 24 | 4.27× | 1.82× | ||
| Q2 24 | 2.52× | 1.18× |
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% |
EPAC
| Transferred At Point In Time | $126.0M | 87% |
| Other | $12.1M | 8% |
| Other Operating Segment | $6.1M | 4% |
