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PATHWARD FINANCIAL, INC.（CASH）与null（GPRO）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null的1.4倍（$276.3M vs $201.7M），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 13.9%）
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。
GoPro, Inc.是2002年由尼克·伍德曼创立的美国科技企业，最初注册名为伍德曼实验室，总部坐落于加利福尼亚州圣马特奥。该公司主营运动相机生产制造，同时还自主开发配套移动端应用与视频编辑软件。
CASH vs GPRO — 直观对比
营收规模更大
CASH
是对方的1.4倍
$201.7M
两年增速更快
CASH
近两年复合增速
13.9%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $201.7M |
| 净利润 | $72.9M | — |
| 毛利率 | — | 31.8% |
| 营业利润率 | — | -4.1% |
| 净利率 | 26.4% | — |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $-0.06 |
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CASHGPRO
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $201.7M | ||
| Q3 25 | $186.7M | $162.9M | ||
| Q2 25 | $195.8M | $152.6M | ||
| Q1 25 | $274.8M | $134.3M | ||
| Q4 24 | $182.6M | $200.9M | ||
| Q3 24 | $179.5M | $258.9M | ||
| Q2 24 | $188.6M | $186.2M |
净利润CASHGPRO
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-21.3M | ||
| Q2 25 | $42.1M | $-16.4M | ||
| Q1 25 | $75.0M | $-46.7M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $-8.2M | ||
| Q2 24 | $44.9M | $-47.8M |
毛利率CASHGPRO
| Q1 26 | — | — | ||
| Q4 25 | — | 31.8% | ||
| Q3 25 | — | 35.1% | ||
| Q2 25 | — | 35.8% | ||
| Q1 25 | — | 32.1% | ||
| Q4 24 | — | 34.7% | ||
| Q3 24 | — | 35.5% | ||
| Q2 24 | — | 30.5% |
营业利润率CASHGPRO
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -4.1% | ||
| Q3 25 | 25.9% | -9.8% | ||
| Q2 25 | 24.1% | -9.2% | ||
| Q1 25 | 33.2% | -33.7% | ||
| Q4 24 | 19.8% | -19.5% | ||
| Q3 24 | 20.9% | -3.1% | ||
| Q2 24 | 27.1% | -25.0% |
净利率CASHGPRO
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -13.0% | ||
| Q2 25 | 21.5% | -10.8% | ||
| Q1 25 | 27.3% | -34.8% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | -3.2% | ||
| Q2 24 | 23.8% | -25.7% |
每股收益（稀释后）CASHGPRO
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.06 | ||
| Q3 25 | $1.69 | $-0.13 | ||
| Q2 25 | $1.81 | $-0.10 | ||
| Q1 25 | $3.14 | $-0.30 | ||
| Q4 24 | $1.23 | $-0.22 | ||
| Q3 24 | $1.34 | $-0.05 | ||
| Q2 24 | $1.78 | $-0.31 |
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 | $49.7M |
| 总债务越低越好 | $59.5M | $44.3M |
| 股东权益账面价值 | $850.7M | $76.5M |
| 总资产 | $7.1B | $428.0M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资CASHGPRO
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $49.7M | ||
| Q3 25 | $120.6M | $152.8M | ||
| Q2 25 | $258.3M | $58.6M | ||
| Q1 25 | $254.2M | $69.6M | ||
| Q4 24 | $597.4M | $102.8M | ||
| Q3 24 | $158.3M | $130.2M | ||
| Q2 24 | $298.9M | $133.0M |
总债务CASHGPRO
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $44.3M | ||
| Q3 25 | $33.5M | $43.9M | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $0 | ||
| Q3 24 | $33.4M | $93.1M | ||
| Q2 24 | $33.3M | $92.9M |
股东权益CASHGPRO
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $76.5M | ||
| Q3 25 | $858.0M | $80.5M | ||
| Q2 25 | $819.0M | $97.9M | ||
| Q1 25 | $814.7M | $110.0M | ||
| Q4 24 | $758.3M | $151.7M | ||
| Q3 24 | $822.5M | $183.9M | ||
| Q2 24 | $748.4M | $184.7M |
总资产CASHGPRO
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $428.0M | ||
| Q3 25 | $7.2B | $538.6M | ||
| Q2 25 | $7.2B | $439.0M | ||
| Q1 25 | $7.0B | $462.5M | ||
| Q4 24 | $7.6B | $543.7M | ||
| Q3 24 | $7.5B | $661.6M | ||
| Q2 24 | $7.5B | $556.8M |
负债/权益比CASHGPRO
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.58× | ||
| Q3 25 | 0.04× | 0.55× | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.00× | ||
| Q3 24 | 0.04× | 0.51× | ||
| Q2 24 | 0.04× | 0.50× |
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 | — | $15.6M |
| 自由现金流经营现金流 - 资本支出 | — | $15.0M |
| 自由现金流率自由现金流/营收 | — | 7.4% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $-24.0M |
8季度趋势，按日历期对齐
经营现金流CASHGPRO
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $15.6M | ||
| Q3 25 | $303.7M | $12.2M | ||
| Q2 25 | $30.4M | $8.8M | ||
| Q1 25 | $188.3M | $-57.2M | ||
| Q4 24 | $-71.7M | $-25.1M | ||
| Q3 24 | $143.1M | $-2.2M | ||
| Q2 24 | $113.2M | $605.0K |
自由现金流CASHGPRO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $15.0M | ||
| Q3 25 | $300.3M | $11.2M | ||
| Q2 25 | $27.7M | $8.3M | ||
| Q1 25 | $184.7M | $-58.5M | ||
| Q4 24 | $-73.8M | $-25.5M | ||
| Q3 24 | $138.8M | $-4.2M | ||
| Q2 24 | $111.0M | $-111.0K |
自由现金流率CASHGPRO
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 7.4% | ||
| Q3 25 | 160.9% | 6.9% | ||
| Q2 25 | 14.1% | 5.4% | ||
| Q1 25 | 67.2% | -43.5% | ||
| Q4 24 | -40.4% | -12.7% | ||
| Q3 24 | 77.3% | -1.6% | ||
| Q2 24 | 58.8% | -0.1% |
资本支出强度CASHGPRO
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.3% | ||
| Q3 25 | 1.8% | 0.6% | ||
| Q2 25 | 1.4% | 0.3% | ||
| Q1 25 | 1.3% | 1.0% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.4% | 0.8% | ||
| Q2 24 | 1.2% | 0.4% |
现金转化率CASHGPRO
| 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% |
GPRO
| Subscription And Services | $106.3M | 53% |
| Other | $95.4M | 47% |
