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PATHWARD FINANCIAL, INC.（CASH）与GRID DYNAMICS HOLDINGS, INC.（GDYN）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GRID DYNAMICS HOLDINGS, INC.的1.7倍（$173.1M vs $104.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -1.4%，领先21.7%），GRID DYNAMICS HOLDINGS, INC.同比增速更快（3.7% vs -0.2%），过去两年GRID DYNAMICS HOLDINGS, INC.的营收复合增速更高（12.0% vs -18.0%）
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。
Escape Dynamics Inc.是一家总部位于科罗拉多州的科技企业，活跃于2010年至2015年，核心业务方向是研发可单级入轨、依靠电磁驱动的可重复使用航天飞机，并推动该项目实现商业化落地。
CASH vs GDYN — 直观对比
营收规模更大
CASH
是对方的1.7倍
$104.1M
营收增速更快
GDYN
高出3.9%
-0.2%
净利率更高
CASH
高出21.7%
-1.4%
两年增速更快
GDYN
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $104.1M |
| 净利润 | $35.2M | $-1.5M |
| 毛利率 | — | 34.8% |
| 营业利润率 | 24.6% | 61.7% |
| 净利率 | 20.3% | -1.4% |
| 营收同比 | -0.2% | 3.7% |
| 净利润同比 | 11.9% | -150.6% |
| 每股收益（稀释后） | $1.57 | $-0.02 |
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CASHGDYN
| Q1 26 | — | $104.1M | ||
| Q4 25 | $173.1M | $106.2M | ||
| Q3 25 | $186.7M | $104.2M | ||
| Q2 25 | $195.8M | $101.1M | ||
| Q1 25 | $274.8M | $100.4M | ||
| Q4 24 | $182.6M | $100.3M | ||
| Q3 24 | $179.5M | $87.4M | ||
| Q2 24 | $188.6M | $83.0M |
净利润CASHGDYN
| Q1 26 | — | $-1.5M | ||
| Q4 25 | $35.2M | $306.0K | ||
| Q3 25 | $38.8M | $1.2M | ||
| Q2 25 | $42.1M | $5.3M | ||
| Q1 25 | $75.0M | $2.9M | ||
| Q4 24 | $30.0M | $4.5M | ||
| Q3 24 | $33.5M | $4.3M | ||
| Q2 24 | $44.9M | $-817.0K |
毛利率CASHGDYN
| Q1 26 | — | 34.8% | ||
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 33.3% | ||
| Q2 25 | — | 34.1% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 36.9% | ||
| Q3 24 | — | 37.4% | ||
| Q2 24 | — | 35.6% |
营业利润率CASHGDYN
| Q1 26 | — | 61.7% | ||
| Q4 25 | 24.6% | 0.5% | ||
| Q3 25 | 25.9% | -0.2% | ||
| Q2 25 | 24.1% | -0.1% | ||
| Q1 25 | 33.2% | -2.0% | ||
| Q4 24 | 19.8% | 1.3% | ||
| Q3 24 | 20.9% | 2.4% | ||
| Q2 24 | 27.1% | 0.0% |
净利率CASHGDYN
| Q1 26 | — | -1.4% | ||
| Q4 25 | 20.3% | 0.3% | ||
| Q3 25 | 20.8% | 1.1% | ||
| Q2 25 | 21.5% | 5.2% | ||
| Q1 25 | 27.3% | 2.9% | ||
| Q4 24 | 16.4% | 4.5% | ||
| Q3 24 | 18.7% | 4.9% | ||
| Q2 24 | 23.8% | -1.0% |
每股收益（稀释后）CASHGDYN
| Q1 26 | — | $-0.02 | ||
| Q4 25 | $1.57 | $0.01 | ||
| Q3 25 | $1.69 | $0.01 | ||
| Q2 25 | $1.81 | $0.06 | ||
| Q1 25 | $3.14 | $0.03 | ||
| Q4 24 | $1.23 | $0.06 | ||
| Q3 24 | $1.34 | $0.05 | ||
| Q2 24 | $1.78 | $-0.01 |
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 | $331.2M | $327.5M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $530.1M |
| 总资产 | $7.6B | $605.0M |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHGDYN
| Q1 26 | — | $327.5M | ||
| Q4 25 | $331.2M | $342.1M | ||
| Q3 25 | $120.6M | $338.6M | ||
| Q2 25 | $258.3M | $336.8M | ||
| Q1 25 | $254.2M | $325.5M | ||
| Q4 24 | $597.4M | $334.7M | ||
| Q3 24 | $158.3M | $231.3M | ||
| Q2 24 | $298.9M | $256.0M |
总债务CASHGDYN
| Q1 26 | — | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHGDYN
| Q1 26 | — | $530.1M | ||
| Q4 25 | $854.5M | $542.1M | ||
| Q3 25 | $858.0M | $537.7M | ||
| Q2 25 | $819.0M | $532.2M | ||
| Q1 25 | $814.7M | $517.4M | ||
| Q4 24 | $758.3M | $517.8M | ||
| Q3 24 | $822.5M | $400.2M | ||
| Q2 24 | $748.4M | $388.4M |
总资产CASHGDYN
| Q1 26 | — | $605.0M | ||
| Q4 25 | $7.6B | $612.9M | ||
| Q3 25 | $7.2B | $613.2M | ||
| Q2 25 | $7.2B | $608.9M | ||
| Q1 25 | $7.0B | $590.9M | ||
| Q4 24 | $7.6B | $592.2M | ||
| Q3 24 | $7.5B | $477.3M | ||
| Q2 24 | $7.5B | $443.6M |
负债/权益比CASHGDYN
| Q1 26 | — | — | ||
| 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 | $108.3M | — |
| 自由现金流经营现金流 - 资本支出 | $104.1M | — |
| 自由现金流率自由现金流/营收 | 60.1% | — |
| 资本支出强度资本支出/营收 | 2.4% | — |
| 现金转化率经营现金流/净利润 | 3.08× | — |
| 过去12个月自由现金流最近4个季度 | $616.8M | — |
8季度趋势，按日历期对齐
经营现金流CASHGDYN
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $9.9M | ||
| Q3 25 | $303.7M | $7.0M | ||
| Q2 25 | $30.4M | $14.4M | ||
| Q1 25 | $188.3M | $9.4M | ||
| Q4 24 | $-71.7M | $7.1M | ||
| Q3 24 | $143.1M | $9.2M | ||
| Q2 24 | $113.2M | $10.7M |
自由现金流CASHGDYN
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $6.1M | ||
| Q3 25 | $300.3M | $2.9M | ||
| Q2 25 | $27.7M | $10.2M | ||
| Q1 25 | $184.7M | $6.0M | ||
| Q4 24 | $-73.8M | $4.4M | ||
| Q3 24 | $138.8M | $5.9M | ||
| Q2 24 | $111.0M | $8.0M |
自由现金流率CASHGDYN
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 5.7% | ||
| Q3 25 | 160.9% | 2.8% | ||
| Q2 25 | 14.1% | 10.1% | ||
| Q1 25 | 67.2% | 6.0% | ||
| Q4 24 | -40.4% | 4.4% | ||
| Q3 24 | 77.3% | 6.8% | ||
| Q2 24 | 58.8% | 9.7% |
资本支出强度CASHGDYN
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.6% | ||
| Q3 25 | 1.8% | 3.9% | ||
| Q2 25 | 1.4% | 4.1% | ||
| Q1 25 | 1.3% | 3.3% | ||
| Q4 24 | 1.1% | 2.6% | ||
| Q3 24 | 2.4% | 3.7% | ||
| Q2 24 | 1.2% | 3.2% |
现金转化率CASHGDYN
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 32.34× | ||
| Q3 25 | 7.83× | 5.92× | ||
| Q2 25 | 0.72× | 2.73× | ||
| Q1 25 | 2.51× | 3.21× | ||
| Q4 24 | -2.39× | 1.56× | ||
| Q3 24 | 4.27× | 2.15× | ||
| 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
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
GDYN
暂无分部数据
