vs
PATHWARD FINANCIAL, INC.（CASH）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是PATHWARD FINANCIAL, INC.的1.9倍（$512.0M vs $276.3M），Fair Isaac净利率更高（30.9% vs 26.4%，领先4.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 8.6%）
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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
CASH vs FICO — 直观对比
营收规模更大
FICO
是对方的1.9倍
$276.3M
净利率更高
FICO
高出4.5%
26.4%
两年增速更快
CASH
近两年复合增速
8.6%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $512.0M |
| 净利润 | $72.9M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 26.4% | 30.9% |
| 营收同比 | — | 16.4% |
| 净利润同比 | — | 3.8% |
| 每股收益（稀释后） | $3.35 | $6.61 |
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CASHFICO
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $512.0M | ||
| Q3 25 | $186.7M | $515.8M | ||
| Q2 25 | $195.8M | $536.4M | ||
| Q1 25 | $274.8M | $498.7M | ||
| Q4 24 | $182.6M | $440.0M | ||
| Q3 24 | $179.5M | $453.8M | ||
| Q2 24 | $188.6M | $447.8M |
净利润CASHFICO
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $158.4M | ||
| Q3 25 | $38.8M | $155.0M | ||
| Q2 25 | $42.1M | $181.8M | ||
| Q1 25 | $75.0M | $162.6M | ||
| Q4 24 | $30.0M | $152.5M | ||
| Q3 24 | $33.5M | $135.7M | ||
| Q2 24 | $44.9M | $126.3M |
毛利率CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% |
营业利润率CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 45.7% | ||
| Q3 25 | 25.9% | 46.0% | ||
| Q2 25 | 24.1% | 48.9% | ||
| Q1 25 | 33.2% | 49.3% | ||
| Q4 24 | 19.8% | 40.8% | ||
| Q3 24 | 20.9% | 43.4% | ||
| Q2 24 | 27.1% | 42.5% |
净利率CASHFICO
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 30.9% | ||
| Q3 25 | 20.8% | 30.1% | ||
| Q2 25 | 21.5% | 33.9% | ||
| Q1 25 | 27.3% | 32.6% | ||
| Q4 24 | 16.4% | 34.7% | ||
| Q3 24 | 18.7% | 29.9% | ||
| Q2 24 | 23.8% | 28.2% |
每股收益（稀释后）CASHFICO
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $6.61 | ||
| Q3 25 | $1.69 | $6.41 | ||
| Q2 25 | $1.81 | $7.40 | ||
| Q1 25 | $3.14 | $6.59 | ||
| Q4 24 | $1.23 | $6.14 | ||
| Q3 24 | $1.34 | $5.44 | ||
| Q2 24 | $1.78 | $5.05 |
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 | $162.0M |
| 总债务越低越好 | $59.5M | $3.2B |
| 股东权益账面价值 | $850.7M | $-1.8B |
| 总资产 | $7.1B | $1.9B |
| 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CASHFICO
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $162.0M | ||
| Q3 25 | $120.6M | $134.1M | ||
| Q2 25 | $258.3M | $189.0M | ||
| Q1 25 | $254.2M | $146.6M | ||
| Q4 24 | $597.4M | $184.3M | ||
| Q3 24 | $158.3M | $150.7M | ||
| Q2 24 | $298.9M | $156.0M |
总债务CASHFICO
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $3.2B | ||
| Q3 25 | $33.5M | $3.1B | ||
| Q2 25 | $33.4M | $2.8B | ||
| Q1 25 | $33.4M | $2.5B | ||
| Q4 24 | $33.4M | $2.4B | ||
| Q3 24 | $33.4M | $2.2B | ||
| Q2 24 | $33.3M | $2.1B |
股东权益CASHFICO
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $-1.8B | ||
| Q3 25 | $858.0M | $-1.7B | ||
| Q2 25 | $819.0M | $-1.4B | ||
| Q1 25 | $814.7M | $-1.1B | ||
| Q4 24 | $758.3M | $-1.1B | ||
| Q3 24 | $822.5M | $-962.7M | ||
| Q2 24 | $748.4M | $-829.3M |
总资产CASHFICO
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.9B | ||
| Q3 25 | $7.2B | $1.9B | ||
| Q2 25 | $7.2B | $1.9B | ||
| Q1 25 | $7.0B | $1.8B | ||
| Q4 24 | $7.6B | $1.7B | ||
| Q3 24 | $7.5B | $1.7B | ||
| Q2 24 | $7.5B | $1.7B |
负债/权益比CASHFICO
| 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 | — | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 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 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $174.1M | ||
| Q3 25 | $303.7M | $223.7M | ||
| Q2 25 | $30.4M | $286.2M | ||
| Q1 25 | $188.3M | $74.9M | ||
| Q4 24 | $-71.7M | $194.0M | ||
| Q3 24 | $143.1M | $226.5M | ||
| Q2 24 | $113.2M | $213.3M |
自由现金流CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $173.9M | ||
| Q3 25 | $300.3M | $219.5M | ||
| Q2 25 | $27.7M | $284.4M | ||
| Q1 25 | $184.7M | $72.8M | ||
| Q4 24 | $-73.8M | $193.2M | ||
| Q3 24 | $138.8M | $224.7M | ||
| Q2 24 | $111.0M | $211.6M |
自由现金流率CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 34.0% | ||
| Q3 25 | 160.9% | 42.6% | ||
| Q2 25 | 14.1% | 53.0% | ||
| Q1 25 | 67.2% | 14.6% | ||
| Q4 24 | -40.4% | 43.9% | ||
| Q3 24 | 77.3% | 49.5% | ||
| Q2 24 | 58.8% | 47.2% |
资本支出强度CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.0% | ||
| Q3 25 | 1.8% | 0.8% | ||
| Q2 25 | 1.4% | 0.3% | ||
| Q1 25 | 1.3% | 0.4% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.4% | 0.4% | ||
| Q2 24 | 1.2% | 0.4% |
现金转化率CASHFICO
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.10× | ||
| Q3 25 | 7.83× | 1.44× | ||
| Q2 25 | 0.72× | 1.57× | ||
| Q1 25 | 2.51× | 0.46× | ||
| Q4 24 | -2.39× | 1.27× | ||
| Q3 24 | 4.27× | 1.67× | ||
| Q2 24 | 2.52× | 1.69× |
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% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
