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PATHWARD FINANCIAL, INC.（CASH）与GORMAN RUPP CO（GRC）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GORMAN RUPP CO的1.7倍（$276.3M vs $166.6M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 8.3%，领先18.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 2.3%）
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。
戈尔曼-拉普是一家总部位于俄亥俄州曼斯菲尔德的泵类制造商，产品面向市政供水、污水处理、工业、建筑、石油、消防及原始设备制造等多个领域提供配套水泵，公司在纽约证券交易所上市，现任首席执行官为斯科特·金。
CASH vs GRC — 直观对比
营收规模更大
CASH
是对方的1.7倍
$166.6M
净利率更高
CASH
高出18.1%
8.3%
两年增速更快
CASH
近两年复合增速
2.3%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $166.6M |
| 净利润 | $72.9M | $13.7M |
| 毛利率 | — | 31.4% |
| 营业利润率 | — | 14.9% |
| 净利率 | 26.4% | 8.3% |
| 营收同比 | — | 2.4% |
| 净利润同比 | — | 25.2% |
| 每股收益（稀释后） | $3.35 | $0.53 |
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CASHGRC
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $166.6M | ||
| Q3 25 | $186.7M | $172.8M | ||
| Q2 25 | $195.8M | $179.0M | ||
| Q1 25 | $274.8M | $163.9M | ||
| Q4 24 | $182.6M | $162.7M | ||
| Q3 24 | $179.5M | $168.2M | ||
| Q2 24 | $188.6M | $169.5M |
净利润CASHGRC
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $13.7M | ||
| Q3 25 | $38.8M | $11.3M | ||
| Q2 25 | $42.1M | $15.8M | ||
| Q1 25 | $75.0M | $12.1M | ||
| Q4 24 | $30.0M | $11.0M | ||
| Q3 24 | $33.5M | $12.9M | ||
| Q2 24 | $44.9M | $8.3M |
毛利率CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | — | 31.4% | ||
| Q3 25 | — | 29.2% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 30.7% | ||
| Q4 24 | — | 30.2% | ||
| Q3 24 | — | 31.3% | ||
| Q2 24 | — | 31.9% |
营业利润率CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 14.9% | ||
| Q3 25 | 25.9% | 12.4% | ||
| Q2 25 | 24.1% | 15.0% | ||
| Q1 25 | 33.2% | 13.5% | ||
| Q4 24 | 19.8% | 13.0% | ||
| Q3 24 | 20.9% | 14.2% | ||
| Q2 24 | 27.1% | 15.4% |
净利率CASHGRC
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 8.3% | ||
| Q3 25 | 20.8% | 6.6% | ||
| Q2 25 | 21.5% | 8.8% | ||
| Q1 25 | 27.3% | 7.4% | ||
| Q4 24 | 16.4% | 6.7% | ||
| Q3 24 | 18.7% | 7.7% | ||
| Q2 24 | 23.8% | 4.9% |
每股收益（稀释后）CASHGRC
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.53 | ||
| Q3 25 | $1.69 | $0.43 | ||
| Q2 25 | $1.81 | $0.60 | ||
| Q1 25 | $3.14 | $0.46 | ||
| Q4 24 | $1.23 | $0.42 | ||
| Q3 24 | $1.34 | $0.49 | ||
| Q2 24 | $1.78 | $0.32 |
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 | $35.1M |
| 总债务越低越好 | $59.5M | $307.5M |
| 股东权益账面价值 | $850.7M | $414.7M |
| 总资产 | $7.1B | $860.1M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资CASHGRC
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $35.1M | ||
| Q3 25 | $120.6M | $42.9M | ||
| Q2 25 | $258.3M | $27.0M | ||
| Q1 25 | $254.2M | $21.8M | ||
| Q4 24 | $597.4M | $24.2M | ||
| Q3 24 | $158.3M | $39.7M | ||
| Q2 24 | $298.9M | $34.2M |
总债务CASHGRC
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $307.5M | ||
| Q3 25 | $33.5M | $322.3M | ||
| Q2 25 | $33.4M | $337.1M | ||
| Q1 25 | $33.4M | $352.2M | ||
| Q4 24 | $33.4M | $366.6M | ||
| Q3 24 | $33.4M | $381.0M | ||
| Q2 24 | $33.3M | $395.4M |
股东权益CASHGRC
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $414.7M | ||
| Q3 25 | $858.0M | $405.2M | ||
| Q2 25 | $819.0M | $397.8M | ||
| Q1 25 | $814.7M | $382.1M | ||
| Q4 24 | $758.3M | $373.8M | ||
| Q3 24 | $822.5M | $367.3M | ||
| Q2 24 | $748.4M | $358.6M |
总资产CASHGRC
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $860.1M | ||
| Q3 25 | $7.2B | $869.9M | ||
| Q2 25 | $7.2B | $861.8M | ||
| Q1 25 | $7.0B | $857.8M | ||
| Q4 24 | $7.6B | $858.5M | ||
| Q3 24 | $7.5B | $883.5M | ||
| Q2 24 | $7.5B | $891.1M |
负债/权益比CASHGRC
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.74× | ||
| Q3 25 | 0.04× | 0.80× | ||
| Q2 25 | 0.04× | 0.85× | ||
| Q1 25 | 0.04× | 0.92× | ||
| Q4 24 | 0.04× | 0.98× | ||
| Q3 24 | 0.04× | 1.04× | ||
| Q2 24 | 0.04× | 1.10× |
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 | — | $15.0M |
| 自由现金流经营现金流 - 资本支出 | — | $10.2M |
| 自由现金流率自由现金流/营收 | — | 6.1% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 现金转化率经营现金流/净利润 | — | 1.09× |
| 过去12个月自由现金流最近4个季度 | — | $88.9M |
8季度趋势，按日历期对齐
经营现金流CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $15.0M | ||
| Q3 25 | $303.7M | $42.3M | ||
| Q2 25 | $30.4M | $27.8M | ||
| Q1 25 | $188.3M | $21.1M | ||
| Q4 24 | $-71.7M | $9.3M | ||
| Q3 24 | $143.1M | $27.2M | ||
| Q2 24 | $113.2M | $22.7M |
自由现金流CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $10.2M | ||
| Q3 25 | $300.3M | $35.8M | ||
| Q2 25 | $27.7M | $24.8M | ||
| Q1 25 | $184.7M | $18.1M | ||
| Q4 24 | $-73.8M | $5.2M | ||
| Q3 24 | $138.8M | $24.0M | ||
| Q2 24 | $111.0M | $19.4M |
自由现金流率CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 6.1% | ||
| Q3 25 | 160.9% | 20.7% | ||
| Q2 25 | 14.1% | 13.9% | ||
| Q1 25 | 67.2% | 11.0% | ||
| Q4 24 | -40.4% | 3.2% | ||
| Q3 24 | 77.3% | 14.3% | ||
| Q2 24 | 58.8% | 11.5% |
资本支出强度CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.9% | ||
| Q3 25 | 1.8% | 3.8% | ||
| Q2 25 | 1.4% | 1.7% | ||
| Q1 25 | 1.3% | 1.8% | ||
| Q4 24 | 1.1% | 2.5% | ||
| Q3 24 | 2.4% | 1.9% | ||
| Q2 24 | 1.2% | 1.9% |
现金转化率CASHGRC
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.09× | ||
| Q3 25 | 7.83× | 3.73× | ||
| Q2 25 | 0.72× | 1.76× | ||
| Q1 25 | 2.51× | 1.74× | ||
| Q4 24 | -2.39× | 0.84× | ||
| Q3 24 | 4.27× | 2.10× | ||
| Q2 24 | 2.52× | 2.72× |
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% |
GRC
| Industrial | $34.7M | 21% |
| Fire Market | $31.4M | 19% |
| Municipal | $25.3M | 15% |
| Agriculture | $22.5M | 14% |
| Repair Parts | $18.9M | 11% |
| Construction | $17.3M | 10% |
| Original Equipment Manufacturer | $10.8M | 7% |
| Petroleum | $5.6M | 3% |
