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PATHWARD FINANCIAL, INC.（CASH）与EverCommerce Inc.（EVCM）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EverCommerce Inc.的1.8倍（$276.3M vs $151.2M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 4.0%，领先22.4%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 4.7%）
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。
EverCommerce Inc.是面向服务类中小企业的领先集成SaaS解决方案提供商，核心市场覆盖北美及部分全球区域，产品线包含业务管理、支付处理、客户互动、营销工具等，服务家庭服务、健康康养、健身等多个细分领域。
CASH vs EVCM — 直观对比
营收规模更大
CASH
是对方的1.8倍
$151.2M
净利率更高
CASH
高出22.4%
4.0%
两年增速更快
CASH
近两年复合增速
4.7%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $151.2M |
| 净利润 | $72.9M | $6.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 8.8% |
| 净利率 | 26.4% | 4.0% |
| 营收同比 | — | 5.2% |
| 净利润同比 | — | 149.4% |
| 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CASHEVCM
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $151.2M | ||
| Q3 25 | $186.7M | $147.5M | ||
| Q2 25 | $195.8M | $148.0M | ||
| Q1 25 | $274.8M | $142.3M | ||
| Q4 24 | $182.6M | $143.7M | ||
| Q3 24 | $179.5M | $140.1M | ||
| Q2 24 | $188.6M | $140.5M |
净利润CASHEVCM
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $6.0M | ||
| Q3 25 | $38.8M | $11.1M | ||
| Q2 25 | $42.1M | $8.2M | ||
| Q1 25 | $75.0M | $-7.7M | ||
| Q4 24 | $30.0M | $-12.2M | ||
| Q3 24 | $33.5M | $-9.2M | ||
| Q2 24 | $44.9M | $-3.4M |
营业利润率CASHEVCM
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 8.8% | ||
| Q3 25 | 25.9% | 10.8% | ||
| Q2 25 | 24.1% | 10.7% | ||
| Q1 25 | 33.2% | 10.0% | ||
| Q4 24 | 19.8% | 8.8% | ||
| Q3 24 | 20.9% | 7.2% | ||
| Q2 24 | 27.1% | 5.5% |
净利率CASHEVCM
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 4.0% | ||
| Q3 25 | 20.8% | 7.5% | ||
| Q2 25 | 21.5% | 5.5% | ||
| Q1 25 | 27.3% | -5.4% | ||
| Q4 24 | 16.4% | -8.5% | ||
| Q3 24 | 18.7% | -6.5% | ||
| Q2 24 | 23.8% | -2.4% |
每股收益（稀释后）CASHEVCM
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.04 | ||
| Q3 25 | $1.69 | $0.06 | ||
| Q2 25 | $1.81 | $0.04 | ||
| Q1 25 | $3.14 | $-0.04 | ||
| Q4 24 | $1.23 | $-0.06 | ||
| Q3 24 | $1.34 | $-0.05 | ||
| Q2 24 | $1.78 | $-0.02 |
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 | $129.7M |
| 总债务越低越好 | $59.5M | $523.4M |
| 股东权益账面价值 | $850.7M | $716.9M |
| 总资产 | $7.1B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.73× |
8季度趋势，按日历期对齐
现金及短期投资CASHEVCM
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $129.7M | ||
| Q3 25 | $120.6M | $106.9M | ||
| Q2 25 | $258.3M | $151.1M | ||
| Q1 25 | $254.2M | $148.4M | ||
| Q4 24 | $597.4M | $135.8M | ||
| Q3 24 | $158.3M | $101.6M | ||
| Q2 24 | $298.9M | $86.7M |
总债务CASHEVCM
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $523.4M | ||
| Q3 25 | $33.5M | $524.6M | ||
| Q2 25 | $33.4M | $525.8M | ||
| Q1 25 | $33.4M | $526.9M | ||
| Q4 24 | $33.4M | $527.9M | ||
| Q3 24 | $33.4M | $529.0M | ||
| Q2 24 | $33.3M | $530.1M |
股东权益CASHEVCM
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $716.9M | ||
| Q3 25 | $858.0M | $728.5M | ||
| Q2 25 | $819.0M | $744.0M | ||
| Q1 25 | $814.7M | $739.6M | ||
| Q4 24 | $758.3M | $750.8M | ||
| Q3 24 | $822.5M | $770.7M | ||
| Q2 24 | $748.4M | $784.1M |
总资产CASHEVCM
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.4B | ||
| Q3 25 | $7.2B | $1.4B | ||
| Q2 25 | $7.2B | $1.4B | ||
| Q1 25 | $7.0B | $1.4B | ||
| Q4 24 | $7.6B | $1.4B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.5B |
负债/权益比CASHEVCM
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.73× | ||
| Q3 25 | 0.04× | 0.72× | ||
| Q2 25 | 0.04× | 0.71× | ||
| Q1 25 | 0.04× | 0.71× | ||
| Q4 24 | 0.04× | 0.70× | ||
| Q3 24 | 0.04× | 0.69× | ||
| Q2 24 | 0.04× | 0.68× |
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 | — | $21.3M |
| 自由现金流经营现金流 - 资本支出 | — | $21.0M |
| 自由现金流率自由现金流/营收 | — | 13.9% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 现金转化率经营现金流/净利润 | — | 3.52× |
| 过去12个月自由现金流最近4个季度 | — | $109.2M |
8季度趋势，按日历期对齐
经营现金流CASHEVCM
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $21.3M | ||
| Q3 25 | $303.7M | $32.5M | ||
| Q2 25 | $30.4M | $27.0M | ||
| Q1 25 | $188.3M | $30.7M | ||
| Q4 24 | $-71.7M | $48.4M | ||
| Q3 24 | $143.1M | $27.5M | ||
| Q2 24 | $113.2M | $23.9M |
自由现金流CASHEVCM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $21.0M | ||
| Q3 25 | $300.3M | $31.6M | ||
| Q2 25 | $27.7M | $26.5M | ||
| Q1 25 | $184.7M | $30.2M | ||
| Q4 24 | $-73.8M | $48.2M | ||
| Q3 24 | $138.8M | $27.4M | ||
| Q2 24 | $111.0M | $23.3M |
自由现金流率CASHEVCM
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 13.9% | ||
| Q3 25 | 160.9% | 21.4% | ||
| Q2 25 | 14.1% | 17.9% | ||
| Q1 25 | 67.2% | 21.2% | ||
| Q4 24 | -40.4% | 33.5% | ||
| Q3 24 | 77.3% | 19.5% | ||
| Q2 24 | 58.8% | 16.6% |
资本支出强度CASHEVCM
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.2% | ||
| Q3 25 | 1.8% | 0.6% | ||
| Q2 25 | 1.4% | 0.3% | ||
| Q1 25 | 1.3% | 0.3% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.4% | 0.1% | ||
| Q2 24 | 1.2% | 0.5% |
现金转化率CASHEVCM
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 3.52× | ||
| Q3 25 | 7.83× | 2.93× | ||
| Q2 25 | 0.72× | 3.31× | ||
| 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% |
EVCM
| Transferred Over Time | $146.4M | 97% |
| Transferred At Point In Time | $4.8M | 3% |
