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PATHWARD FINANCIAL, INC.（CASH）与1 800 FLOWERS COM INC（FLWS）财务数据对比。点击上方公司名可切换其他公司
1 800 FLOWERS COM INC的季度营收约是PATHWARD FINANCIAL, INC.的1.1倍（$293.0M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -34.1%，领先60.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -12.1%）
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。
1 800 FLOWERS COM INC是美国知名的全渠道鲜花礼品零售企业，主营鲜花花束、礼品篮、美食礼盒、定制礼物及家居装饰品，服务北美地区个人及企业客户，覆盖节日、生日、纪念日等各类送礼场景。
CASH vs FLWS — 直观对比
营收规模更大
FLWS
是对方的1.1倍
$276.3M
净利率更高
CASH
高出60.5%
-34.1%
两年增速更快
CASH
近两年复合增速
-12.1%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $293.0M |
| 净利润 | $72.9M | $-100.1M |
| 毛利率 | — | 33.2% |
| 营业利润率 | — | 34.5% |
| 净利率 | 26.4% | -34.1% |
| 营收同比 | — | -11.6% |
| 净利润同比 | — | 44.3% |
| 每股收益（稀释后） | $3.35 | $-1.56 |
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CASHFLWS
| Q1 26 | $276.3M | $293.0M | ||
| Q4 25 | $173.1M | $702.2M | ||
| Q3 25 | $186.7M | $215.2M | ||
| Q2 25 | $195.8M | $336.6M | ||
| Q1 25 | $274.8M | $331.5M | ||
| Q4 24 | $182.6M | $775.5M | ||
| Q3 24 | $179.5M | $242.1M | ||
| Q2 24 | $188.6M | — |
净利润CASHFLWS
| Q1 26 | $72.9M | $-100.1M | ||
| Q4 25 | $35.2M | $70.6M | ||
| Q3 25 | $38.8M | $-53.0M | ||
| Q2 25 | $42.1M | $-51.9M | ||
| Q1 25 | $75.0M | $-178.2M | ||
| Q4 24 | $30.0M | $64.3M | ||
| Q3 24 | $33.5M | $-34.2M | ||
| Q2 24 | $44.9M | — |
毛利率CASHFLWS
| Q1 26 | — | 33.2% | ||
| Q4 25 | — | 42.1% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 31.7% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 38.1% | ||
| Q2 24 | — | — |
营业利润率CASHFLWS
| Q1 26 | — | 34.5% | ||
| Q4 25 | 24.6% | 10.6% | ||
| Q3 25 | 25.9% | -23.5% | ||
| Q2 25 | 24.1% | -16.5% | ||
| Q1 25 | 33.2% | -58.4% | ||
| Q4 24 | 19.8% | 11.7% | ||
| Q3 24 | 20.9% | -19.4% | ||
| Q2 24 | 27.1% | — |
净利率CASHFLWS
| Q1 26 | 26.4% | -34.1% | ||
| Q4 25 | 20.3% | 10.0% | ||
| Q3 25 | 20.8% | -24.6% | ||
| Q2 25 | 21.5% | -15.4% | ||
| Q1 25 | 27.3% | -53.8% | ||
| Q4 24 | 16.4% | 8.3% | ||
| Q3 24 | 18.7% | -14.1% | ||
| Q2 24 | 23.8% | — |
每股收益（稀释后）CASHFLWS
| Q1 26 | $3.35 | $-1.56 | ||
| Q4 25 | $1.57 | $1.10 | ||
| Q3 25 | $1.69 | $-0.83 | ||
| Q2 25 | $1.81 | $-0.80 | ||
| Q1 25 | $3.14 | $-2.80 | ||
| Q4 24 | $1.23 | $1.00 | ||
| Q3 24 | $1.34 | $-0.53 | ||
| Q2 24 | $1.78 | — |
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 | $50.7M |
| 总债务越低越好 | $59.5M | $24.0M |
| 股东权益账面价值 | $850.7M | $192.5M |
| 总资产 | $7.1B | $679.9M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资CASHFLWS
| Q1 26 | $157.6M | $50.7M | ||
| Q4 25 | $331.2M | $193.3M | ||
| Q3 25 | $120.6M | $7.7M | ||
| Q2 25 | $258.3M | $46.5M | ||
| Q1 25 | $254.2M | $84.7M | ||
| Q4 24 | $597.4M | $247.2M | ||
| Q3 24 | $158.3M | $8.4M | ||
| Q2 24 | $298.9M | — |
总债务CASHFLWS
| Q1 26 | $59.5M | $24.0M | ||
| Q4 25 | $33.5M | $123.5M | ||
| Q3 25 | $33.5M | $128.9M | ||
| Q2 25 | $33.4M | $134.8M | ||
| Q1 25 | $33.4M | $142.3M | ||
| Q4 24 | $33.4M | $157.5M | ||
| Q3 24 | $33.4M | $172.3M | ||
| Q2 24 | $33.3M | — |
股东权益CASHFLWS
| Q1 26 | $850.7M | $192.5M | ||
| Q4 25 | $854.5M | $289.7M | ||
| Q3 25 | $858.0M | $217.5M | ||
| Q2 25 | $819.0M | $268.3M | ||
| Q1 25 | $814.7M | $317.7M | ||
| Q4 24 | $758.3M | $495.1M | ||
| Q3 24 | $822.5M | $433.4M | ||
| Q2 24 | $748.4M | — |
总资产CASHFLWS
| Q1 26 | $7.1B | $679.9M | ||
| Q4 25 | $7.6B | $893.1M | ||
| Q3 25 | $7.2B | $840.5M | ||
| Q2 25 | $7.2B | $772.6M | ||
| Q1 25 | $7.0B | $806.2M | ||
| Q4 24 | $7.6B | $1.1B | ||
| Q3 24 | $7.5B | $1.0B | ||
| Q2 24 | $7.5B | — |
负债/权益比CASHFLWS
| Q1 26 | 0.07× | 0.12× | ||
| Q4 25 | 0.04× | 0.43× | ||
| Q3 25 | 0.04× | 0.59× | ||
| Q2 25 | 0.04× | 0.50× | ||
| Q1 25 | 0.04× | 0.45× | ||
| Q4 24 | 0.04× | 0.32× | ||
| Q3 24 | 0.04× | 0.40× | ||
| 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 | — | $42.9M |
| 自由现金流经营现金流 - 资本支出 | — | $20.0M |
| 自由现金流率自由现金流/营收 | — | 6.8% |
| 资本支出强度资本支出/营收 | — | 7.8% |
| 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 | — | $140.5M |
8季度趋势，按日历期对齐
经营现金流CASHFLWS
| Q1 26 | — | $42.9M | ||
| Q4 25 | $108.3M | $309.9M | ||
| Q3 25 | $303.7M | $-139.0M | ||
| Q2 25 | $30.4M | $-27.1M | ||
| Q1 25 | $188.3M | $-150.6M | ||
| Q4 24 | $-71.7M | $328.5M | ||
| Q3 24 | $143.1M | $-177.2M | ||
| Q2 24 | $113.2M | — |
自由现金流CASHFLWS
| Q1 26 | — | $20.0M | ||
| Q4 25 | $104.1M | $302.2M | ||
| Q3 25 | $300.3M | $-145.6M | ||
| Q2 25 | $27.7M | $-36.1M | ||
| Q1 25 | $184.7M | $-160.0M | ||
| Q4 24 | $-73.8M | $317.6M | ||
| Q3 24 | $138.8M | $-189.3M | ||
| Q2 24 | $111.0M | — |
自由现金流率CASHFLWS
| Q1 26 | — | 6.8% | ||
| Q4 25 | 60.1% | 43.0% | ||
| Q3 25 | 160.9% | -67.7% | ||
| Q2 25 | 14.1% | -10.7% | ||
| Q1 25 | 67.2% | -48.3% | ||
| Q4 24 | -40.4% | 41.0% | ||
| Q3 24 | 77.3% | -78.2% | ||
| Q2 24 | 58.8% | — |
资本支出强度CASHFLWS
| Q1 26 | — | 7.8% | ||
| Q4 25 | 2.4% | 1.1% | ||
| Q3 25 | 1.8% | 3.1% | ||
| Q2 25 | 1.4% | 2.7% | ||
| Q1 25 | 1.3% | 2.8% | ||
| Q4 24 | 1.1% | 1.4% | ||
| Q3 24 | 2.4% | 5.0% | ||
| Q2 24 | 1.2% | — |
现金转化率CASHFLWS
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 4.39× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 5.11× | ||
| 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% |
FLWS
| Consumer Floral & Gifts | $159.4M | 54% |
| Gourmet Foods & Gift Baskets | $106.9M | 36% |
| BloomNet | $26.9M | 9% |
| Corporate | $50.0K | 0% |
