vs
PATHWARD FINANCIAL, INC.（CASH）与Esperion Therapeutics, Inc.（ESPR）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Esperion Therapeutics, Inc.的1.6倍（$276.3M vs $168.4M），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 10.6%）
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。
Esperion Therapeutics, Inc.是一家上市美国药企，专注开发用于降低低密度脂蛋白胆固醇的口服小分子药物苯哌多酸，公司总部位于密歇根州安娜堡，目前核心研发管线围绕这款降脂创新药物推进，深耕血脂异常治疗领域的创新药物开发。
CASH vs ESPR — 直观对比
营收规模更大
CASH
是对方的1.6倍
$168.4M
两年增速更快
CASH
近两年复合增速
10.6%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $168.4M |
| 净利润 | $72.9M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 50.6% |
| 净利率 | 26.4% | — |
| 营收同比 | — | 143.7% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $0.32 |
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CASHESPR
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $168.4M | ||
| Q3 25 | $186.7M | $87.3M | ||
| Q2 25 | $195.8M | $82.4M | ||
| Q1 25 | $274.8M | $65.0M | ||
| Q4 24 | $182.6M | $69.1M | ||
| Q3 24 | $179.5M | $51.6M | ||
| Q2 24 | $188.6M | $73.8M |
净利润CASHESPR
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-31.3M | ||
| Q2 25 | $42.1M | $-12.7M | ||
| Q1 25 | $75.0M | $-40.5M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $-29.5M | ||
| Q2 24 | $44.9M | $-61.9M |
营业利润率CASHESPR
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 50.6% | ||
| Q3 25 | 25.9% | -11.4% | ||
| Q2 25 | 24.1% | 8.6% | ||
| Q1 25 | 33.2% | -34.0% | ||
| Q4 24 | 19.8% | -6.4% | ||
| Q3 24 | 20.9% | -31.0% | ||
| Q2 24 | 27.1% | 3.5% |
净利率CASHESPR
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -35.9% | ||
| Q2 25 | 21.5% | -15.4% | ||
| Q1 25 | 27.3% | -62.2% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | -57.2% | ||
| Q2 24 | 23.8% | -83.9% |
每股收益（稀释后）CASHESPR
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.32 | ||
| Q3 25 | $1.69 | $-0.16 | ||
| Q2 25 | $1.81 | $-0.06 | ||
| Q1 25 | $3.14 | $-0.21 | ||
| Q4 24 | $1.23 | $-0.14 | ||
| Q3 24 | $1.34 | $-0.15 | ||
| Q2 24 | $1.78 | $-0.33 |
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 | $167.9M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $-302.0M |
| 总资产 | $7.1B | $465.9M |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHESPR
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $167.9M | ||
| Q3 25 | $120.6M | $92.4M | ||
| Q2 25 | $258.3M | $86.1M | ||
| Q1 25 | $254.2M | $114.6M | ||
| Q4 24 | $597.4M | $144.8M | ||
| Q3 24 | $158.3M | $144.7M | ||
| Q2 24 | $298.9M | $189.3M |
总债务CASHESPR
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHESPR
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $-302.0M | ||
| Q3 25 | $858.0M | $-451.4M | ||
| Q2 25 | $819.0M | $-433.5M | ||
| Q1 25 | $814.7M | $-426.2M | ||
| Q4 24 | $758.3M | $-388.7M | ||
| Q3 24 | $822.5M | $-370.2M | ||
| Q2 24 | $748.4M | $-344.2M |
总资产CASHESPR
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $465.9M | ||
| Q3 25 | $7.2B | $364.0M | ||
| Q2 25 | $7.2B | $347.1M | ||
| Q1 25 | $7.0B | $324.0M | ||
| Q4 24 | $7.6B | $343.8M | ||
| Q3 24 | $7.5B | $314.1M | ||
| Q2 24 | $7.5B | $352.3M |
负债/权益比CASHESPR
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| 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 | — | $45.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHESPR
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $45.2M | ||
| Q3 25 | $303.7M | $-4.3M | ||
| Q2 25 | $30.4M | $-31.4M | ||
| Q1 25 | $188.3M | $-22.6M | ||
| Q4 24 | $-71.7M | $-35.0M | ||
| Q3 24 | $143.1M | $-35.3M | ||
| Q2 24 | $113.2M | $-7.2M |
自由现金流CASHESPR
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | $-35.5M | ||
| Q2 24 | $111.0M | $-7.3M |
自由现金流率CASHESPR
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | -68.7% | ||
| Q2 24 | 58.8% | -9.9% |
资本支出强度CASHESPR
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.0% | ||
| Q3 25 | 1.8% | 0.0% | ||
| Q2 25 | 1.4% | 0.0% | ||
| Q1 25 | 1.3% | 0.0% | ||
| Q4 24 | 1.1% | 0.0% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 0.1% |
现金转化率CASHESPR
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| 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% |
ESPR
| Collaboration Revenue | $124.7M | 74% |
| Products | $43.7M | 26% |
