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PATHWARD FINANCIAL, INC.（CASH）与EZCORP INC（EZPW）财务数据对比。点击上方公司名可切换其他公司
EZCORP INC的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$382.0M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 11.6%，领先14.8%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 15.6%）
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。
EZCORP是总部位于美国得克萨斯州奥斯汀的典当行运营商，业务覆盖美国及拉丁美洲地区，是美国第二大典当行运营商，仅次于Cash America International，目前在纳斯达克挂牌上市。
CASH vs EZPW — 直观对比
营收规模更大
EZPW
是对方的1.4倍
$276.3M
净利率更高
CASH
高出14.8%
11.6%
两年增速更快
CASH
近两年复合增速
15.6%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $382.0M |
| 净利润 | $72.9M | $44.3M |
| 毛利率 | — | 58.4% |
| 营业利润率 | — | 15.9% |
| 净利率 | 26.4% | 11.6% |
| 营收同比 | — | 19.3% |
| 净利润同比 | — | 42.8% |
| 每股收益（稀释后） | $3.35 | $0.55 |
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CASHEZPW
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $382.0M | ||
| Q3 25 | $186.7M | $336.8M | ||
| Q2 25 | $195.8M | $311.0M | ||
| Q1 25 | $274.8M | $306.3M | ||
| Q4 24 | $182.6M | $320.2M | ||
| Q3 24 | $179.5M | $294.6M | ||
| Q2 24 | $188.6M | $281.4M |
净利润CASHEZPW
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $44.3M | ||
| Q3 25 | $38.8M | $26.7M | ||
| Q2 25 | $42.1M | $26.5M | ||
| Q1 25 | $75.0M | $25.4M | ||
| Q4 24 | $30.0M | $31.0M | ||
| Q3 24 | $33.5M | $15.2M | ||
| Q2 24 | $44.9M | $17.9M |
毛利率CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | — | 58.4% | ||
| Q3 25 | — | 59.0% | ||
| Q2 25 | — | 59.1% | ||
| Q1 25 | — | 58.3% | ||
| Q4 24 | — | 57.9% | ||
| Q3 24 | — | 59.5% | ||
| Q2 24 | — | 59.2% |
营业利润率CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 15.9% | ||
| Q3 25 | 25.9% | 11.0% | ||
| Q2 25 | 24.1% | 11.6% | ||
| Q1 25 | 33.2% | 11.2% | ||
| Q4 24 | 19.8% | 13.1% | ||
| Q3 24 | 20.9% | 8.8% | ||
| Q2 24 | 27.1% | 7.9% |
净利率CASHEZPW
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 11.6% | ||
| Q3 25 | 20.8% | 7.9% | ||
| Q2 25 | 21.5% | 8.5% | ||
| Q1 25 | 27.3% | 8.3% | ||
| Q4 24 | 16.4% | 9.7% | ||
| Q3 24 | 18.7% | 5.2% | ||
| Q2 24 | 23.8% | 6.4% |
每股收益（稀释后）CASHEZPW
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.55 | ||
| Q3 25 | $1.69 | $0.35 | ||
| Q2 25 | $1.81 | $0.34 | ||
| Q1 25 | $3.14 | $0.33 | ||
| Q4 24 | $1.23 | $0.40 | ||
| Q3 24 | $1.34 | $0.20 | ||
| Q2 24 | $1.78 | $0.25 |
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 | $465.9M |
| 总债务越低越好 | $59.5M | $518.6M |
| 股东权益账面价值 | $850.7M | $1.1B |
| 总资产 | $7.1B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.48× |
8季度趋势，按日历期对齐
现金及短期投资CASHEZPW
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $465.9M | ||
| Q3 25 | $120.6M | $469.5M | ||
| Q2 25 | $258.3M | $472.1M | ||
| Q1 25 | $254.2M | $505.2M | ||
| Q4 24 | $597.4M | $174.5M | ||
| Q3 24 | $158.3M | $170.5M | ||
| Q2 24 | $298.9M | $218.0M |
总债务CASHEZPW
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $518.6M | ||
| Q3 25 | $33.5M | $518.1M | ||
| Q2 25 | $33.4M | $517.6M | ||
| Q1 25 | $33.4M | $620.5M | ||
| Q4 24 | $33.4M | $327.7M | ||
| Q3 24 | $33.4M | $327.3M | ||
| Q2 24 | $33.3M | $361.3M |
股东权益CASHEZPW
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.1B | ||
| Q3 25 | $858.0M | $1.0B | ||
| Q2 25 | $819.0M | $990.1M | ||
| Q1 25 | $814.7M | $851.6M | ||
| Q4 24 | $758.3M | $823.9M | ||
| Q3 24 | $822.5M | $804.6M | ||
| Q2 24 | $748.4M | $801.5M |
总资产CASHEZPW
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.0B | ||
| Q3 25 | $7.2B | $2.0B | ||
| Q2 25 | $7.2B | $1.9B | ||
| Q1 25 | $7.0B | $1.8B | ||
| Q4 24 | $7.6B | $1.5B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.5B |
负债/权益比CASHEZPW
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.48× | ||
| Q3 25 | 0.04× | 0.51× | ||
| Q2 25 | 0.04× | 0.52× | ||
| Q1 25 | 0.04× | 0.73× | ||
| Q4 24 | 0.04× | 0.40× | ||
| Q3 24 | 0.04× | 0.41× | ||
| Q2 24 | 0.04× | 0.45× |
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 | — | $39.1M |
| 自由现金流经营现金流 - 资本支出 | — | $31.7M |
| 自由现金流率自由现金流/营收 | — | 8.3% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 0.88× |
| 过去12个月自由现金流最近4个季度 | — | $121.7M |
8季度趋势，按日历期对齐
经营现金流CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $39.1M | ||
| Q3 25 | $303.7M | $51.3M | ||
| Q2 25 | $30.4M | $34.8M | ||
| Q1 25 | $188.3M | $36.9M | ||
| Q4 24 | $-71.7M | $26.0M | ||
| Q3 24 | $143.1M | $43.3M | ||
| Q2 24 | $113.2M | $33.7M |
自由现金流CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $31.7M | ||
| Q3 25 | $300.3M | $35.7M | ||
| Q2 25 | $27.7M | $25.7M | ||
| Q1 25 | $184.7M | $28.6M | ||
| Q4 24 | $-73.8M | $20.4M | ||
| Q3 24 | $138.8M | $24.4M | ||
| Q2 24 | $111.0M | $30.5M |
自由现金流率CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 8.3% | ||
| Q3 25 | 160.9% | 10.6% | ||
| Q2 25 | 14.1% | 8.3% | ||
| Q1 25 | 67.2% | 9.3% | ||
| Q4 24 | -40.4% | 6.4% | ||
| Q3 24 | 77.3% | 8.3% | ||
| Q2 24 | 58.8% | 10.8% |
资本支出强度CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.0% | ||
| Q3 25 | 1.8% | 4.6% | ||
| Q2 25 | 1.4% | 2.9% | ||
| Q1 25 | 1.3% | 2.7% | ||
| Q4 24 | 1.1% | 1.8% | ||
| Q3 24 | 2.4% | 6.4% | ||
| Q2 24 | 1.2% | 1.1% |
现金转化率CASHEZPW
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.88× | ||
| Q3 25 | 7.83× | 1.92× | ||
| Q2 25 | 0.72× | 1.31× | ||
| Q1 25 | 2.51× | 1.45× | ||
| Q4 24 | -2.39× | 0.84× | ||
| Q3 24 | 4.27× | 2.85× | ||
| Q2 24 | 2.52× | 1.88× |
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% |
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
