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PATHWARD FINANCIAL, INC.（CASH）与EDGEWELL PERSONAL CARE Co（EPC）财务数据对比。点击上方公司名可切换其他公司
EDGEWELL PERSONAL CARE Co的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$422.8M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -15.5%，领先41.9%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -16.0%）
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。
Edgewell个人护理是一家总部位于美国康涅狄格州谢尔顿的跨国消费品企业，主营业务聚焦个人护理产品领域。公司在2015年从劲量控股分拆后正式成立，目前在全球多个市场开展个人护理相关业务。
CASH vs EPC — 直观对比
营收规模更大
EPC
是对方的1.5倍
$276.3M
净利率更高
CASH
高出41.9%
-15.5%
两年增速更快
CASH
近两年复合增速
-16.0%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $422.8M |
| 净利润 | $72.9M | $-65.7M |
| 毛利率 | — | 38.1% |
| 营业利润率 | — | -4.5% |
| 净利率 | 26.4% | -15.5% |
| 营收同比 | — | -11.6% |
| 净利润同比 | — | -3028.6% |
| 每股收益（稀释后） | $3.35 | $-1.41 |
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CASHEPC
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $422.8M | ||
| Q3 25 | $186.7M | $600.5M | ||
| Q2 25 | $195.8M | $627.2M | ||
| Q1 25 | $274.8M | $580.7M | ||
| Q4 24 | $182.6M | $415.1M | ||
| Q3 24 | $179.5M | $517.6M | ||
| Q2 24 | $188.6M | $647.8M |
净利润CASHEPC
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-65.7M | ||
| Q3 25 | $38.8M | $-30.6M | ||
| Q2 25 | $42.1M | $29.1M | ||
| Q1 25 | $75.0M | $29.0M | ||
| Q4 24 | $30.0M | $-2.1M | ||
| Q3 24 | $33.5M | $8.8M | ||
| Q2 24 | $44.9M | $49.0M |
毛利率CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | — | 38.1% | ||
| Q3 25 | — | 37.9% | ||
| Q2 25 | — | 42.8% | ||
| Q1 25 | — | 44.1% | ||
| Q4 24 | — | 41.6% | ||
| Q3 24 | — | 41.1% | ||
| Q2 24 | — | 44.3% |
营业利润率CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -4.5% | ||
| Q3 25 | 25.9% | -4.2% | ||
| Q2 25 | 24.1% | 8.6% | ||
| Q1 25 | 33.2% | 10.1% | ||
| Q4 24 | 19.8% | 2.2% | ||
| Q3 24 | 20.9% | 3.9% | ||
| Q2 24 | 27.1% | 12.8% |
净利率CASHEPC
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -15.5% | ||
| Q3 25 | 20.8% | -5.1% | ||
| Q2 25 | 21.5% | 4.6% | ||
| Q1 25 | 27.3% | 5.0% | ||
| Q4 24 | 16.4% | -0.5% | ||
| Q3 24 | 18.7% | 1.7% | ||
| Q2 24 | 23.8% | 7.6% |
每股收益（稀释后）CASHEPC
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-1.41 | ||
| Q3 25 | $1.69 | $-0.65 | ||
| Q2 25 | $1.81 | $0.62 | ||
| Q1 25 | $3.14 | $0.60 | ||
| Q4 24 | $1.23 | $-0.04 | ||
| Q3 24 | $1.34 | $0.18 | ||
| Q2 24 | $1.78 | $0.98 |
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 | — |
| 总债务越低越好 | $59.5M | $1.5B |
| 股东权益账面价值 | $850.7M | $1.5B |
| 总资产 | $7.1B | $3.8B |
| 负债/权益比越低杠杆越低 | 0.07× | 1.03× |
8季度趋势，按日历期对齐
现金及短期投资CASHEPC
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | $209.1M | ||
| Q2 24 | $298.9M | — |
总债务CASHEPC
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.5B | ||
| Q3 25 | $33.5M | $1.4B | ||
| Q2 25 | $33.4M | $1.4B | ||
| Q1 25 | $33.4M | $1.4B | ||
| Q4 24 | $33.4M | $1.4B | ||
| Q3 24 | $33.4M | $1.3B | ||
| Q2 24 | $33.3M | $1.3B |
股东权益CASHEPC
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.5B | ||
| Q3 25 | $858.0M | $1.6B | ||
| Q2 25 | $819.0M | $1.6B | ||
| Q1 25 | $814.7M | $1.5B | ||
| Q4 24 | $758.3M | $1.5B | ||
| Q3 24 | $822.5M | $1.6B | ||
| Q2 24 | $748.4M | $1.6B |
总资产CASHEPC
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $3.8B | ||
| Q3 25 | $7.2B | $3.8B | ||
| Q2 25 | $7.2B | $3.8B | ||
| Q1 25 | $7.0B | $3.8B | ||
| Q4 24 | $7.6B | $3.7B | ||
| Q3 24 | $7.5B | $3.7B | ||
| Q2 24 | $7.5B | $3.7B |
负债/权益比CASHEPC
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 1.03× | ||
| Q3 25 | 0.04× | 0.89× | ||
| Q2 25 | 0.04× | 0.88× | ||
| Q1 25 | 0.04× | 0.95× | ||
| Q4 24 | 0.04× | 0.97× | ||
| Q3 24 | 0.04× | 0.81× | ||
| Q2 24 | 0.04× | 0.82× |
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 | — | $-125.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-137.5M |
| 自由现金流率自由现金流/营收 | — | -32.5% |
| 资本支出强度资本支出/营收 | — | 2.7% |
| 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 | — | $36.3M |
8季度趋势，按日历期对齐
经营现金流CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-125.9M | ||
| Q3 25 | $303.7M | $74.1M | ||
| Q2 25 | $30.4M | $114.8M | ||
| Q1 25 | $188.3M | $45.1M | ||
| Q4 24 | $-71.7M | $-115.6M | ||
| Q3 24 | $143.1M | $-388.3M | ||
| Q2 24 | $113.2M | $101.2M |
自由现金流CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-137.5M | ||
| Q3 25 | $300.3M | $46.5M | ||
| Q2 25 | $27.7M | $99.3M | ||
| Q1 25 | $184.7M | $28.0M | ||
| Q4 24 | $-73.8M | $-132.4M | ||
| Q3 24 | $138.8M | $-414.2M | ||
| Q2 24 | $111.0M | $88.6M |
自由现金流率CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -32.5% | ||
| Q3 25 | 160.9% | 7.7% | ||
| Q2 25 | 14.1% | 15.8% | ||
| Q1 25 | 67.2% | 4.8% | ||
| Q4 24 | -40.4% | -31.9% | ||
| Q3 24 | 77.3% | -80.0% | ||
| Q2 24 | 58.8% | 13.7% |
资本支出强度CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.7% | ||
| Q3 25 | 1.8% | 4.6% | ||
| Q2 25 | 1.4% | 2.5% | ||
| Q1 25 | 1.3% | 2.9% | ||
| Q4 24 | 1.1% | 4.0% | ||
| Q3 24 | 2.4% | 5.0% | ||
| Q2 24 | 1.2% | 1.9% |
现金转化率CASHEPC
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 3.95× | ||
| Q1 25 | 2.51× | 1.56× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | -44.13× | ||
| Q2 24 | 2.52× | 2.07× |
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% |
EPC
| Other | $242.0M | 57% |
| Sunand Skin Care Segment | $131.5M | 31% |
| Shavinggelsandcreams | $32.3M | 8% |
| Wipes And Other Skin Care Products | $17.0M | 4% |
