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PATHWARD FINANCIAL, INC.（CASH）与化石集团（FOSL）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是化石集团的1.0倍（$276.3M vs $270.2M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -14.8%，领先41.2%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -11.4%）
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。
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
CASH vs FOSL — 直观对比
营收规模更大
CASH
是对方的1.0倍
$270.2M
净利率更高
CASH
高出41.2%
-14.8%
两年增速更快
CASH
近两年复合增速
-11.4%
损益表 — Q2 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $270.2M |
| 净利润 | $72.9M | $-40.0M |
| 毛利率 | — | 49.0% |
| 营业利润率 | — | -8.0% |
| 净利率 | 26.4% | -14.8% |
| 营收同比 | — | -21.1% |
| 净利润同比 | — | -257.8% |
| 每股收益（稀释后） | $3.35 | $-0.76 |
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CASHFOSL
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $270.2M | ||
| Q3 25 | $186.7M | $220.4M | ||
| Q2 25 | $195.8M | $233.3M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $342.3M | ||
| Q3 24 | $179.5M | $287.8M | ||
| Q2 24 | $188.6M | $260.0M |
净利润CASHFOSL
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-40.0M | ||
| Q3 25 | $38.8M | $-2.1M | ||
| Q2 25 | $42.1M | $-17.9M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $-11.2M | ||
| Q3 24 | $33.5M | $-31.9M | ||
| Q2 24 | $44.9M | $-38.8M |
毛利率CASHFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 57.5% | ||
| Q2 25 | — | 61.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 53.9% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 52.6% |
营业利润率CASHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -8.0% | ||
| Q3 25 | 25.9% | 3.9% | ||
| Q2 25 | 24.1% | -2.9% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | -4.8% | ||
| Q3 24 | 20.9% | -8.5% | ||
| Q2 24 | 27.1% | -13.1% |
净利率CASHFOSL
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -14.8% | ||
| Q3 25 | 20.8% | -1.0% | ||
| Q2 25 | 21.5% | -7.7% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | -3.3% | ||
| Q3 24 | 18.7% | -11.1% | ||
| Q2 24 | 23.8% | -14.9% |
每股收益（稀释后）CASHFOSL
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.76 | ||
| Q3 25 | $1.69 | $-0.04 | ||
| Q2 25 | $1.81 | $-0.33 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $-0.15 | ||
| Q3 24 | $1.34 | $-0.60 | ||
| Q2 24 | $1.78 | $-0.73 |
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 | $79.2M |
| 总债务越低越好 | $59.5M | $169.1M |
| 股东权益账面价值 | $850.7M | $112.6M |
| 总资产 | $7.1B | $701.0M |
| 负债/权益比越低杠杆越低 | 0.07× | 1.50× |
8季度趋势，按日历期对齐
现金及短期投资CASHFOSL
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $79.2M | ||
| Q3 25 | $120.6M | $109.9M | ||
| Q2 25 | $258.3M | $78.3M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $123.6M | ||
| Q3 24 | $158.3M | $106.3M | ||
| Q2 24 | $298.9M | $104.9M |
总债务CASHFOSL
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $169.1M | ||
| Q3 25 | $33.5M | $165.6M | ||
| Q2 25 | $33.4M | $167.2M | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $162.7M | ||
| Q3 24 | $33.4M | $173.4M | ||
| Q2 24 | $33.3M | $156.5M |
股东权益CASHFOSL
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $112.6M | ||
| Q3 25 | $858.0M | $150.3M | ||
| Q2 25 | $819.0M | $140.6M | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $148.7M | ||
| Q3 24 | $822.5M | $164.4M | ||
| Q2 24 | $748.4M | $189.6M |
总资产CASHFOSL
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $701.0M | ||
| Q3 25 | $7.2B | $704.5M | ||
| Q2 25 | $7.2B | $686.0M | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $763.6M | ||
| Q3 24 | $7.5B | $812.4M | ||
| Q2 24 | $7.5B | $785.7M |
负债/权益比CASHFOSL
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 1.50× | ||
| Q3 25 | 0.04× | 1.10× | ||
| Q2 25 | 0.04× | 1.19× | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 1.09× | ||
| Q3 24 | 0.04× | 1.06× | ||
| Q2 24 | 0.04× | 0.83× |
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 | — | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.5M |
| 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 | — | 0.1% |
| 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 | — | $-46.0M |
8季度趋势，按日历期对齐
经营现金流CASHFOSL
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-22.2M | ||
| Q3 25 | $303.7M | $9.4M | ||
| Q2 25 | $30.4M | $-60.4M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $30.5M | ||
| Q3 24 | $143.1M | $-22.8M | ||
| Q2 24 | $113.2M | $38.4M |
自由现金流CASHFOSL
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-22.5M | ||
| Q3 25 | $300.3M | $8.6M | ||
| Q2 25 | $27.7M | $-60.6M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $28.5M | ||
| Q3 24 | $138.8M | $-24.1M | ||
| Q2 24 | $111.0M | $36.6M |
自由现金流率CASHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -8.3% | ||
| Q3 25 | 160.9% | 3.9% | ||
| Q2 25 | 14.1% | -26.0% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | 8.3% | ||
| Q3 24 | 77.3% | -8.4% | ||
| Q2 24 | 58.8% | 14.1% |
资本支出强度CASHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.1% | ||
| Q3 25 | 1.8% | 0.4% | ||
| Q2 25 | 1.4% | 0.1% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 0.6% | ||
| Q3 24 | 2.4% | 0.4% | ||
| Q2 24 | 1.2% | 0.7% |
现金转化率CASHFOSL
| 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% |
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
