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PATHWARD FINANCIAL, INC.（CASH）与ZoomInfo Technologies Inc.（GTM）财务数据对比。点击上方公司名可切换其他公司
ZoomInfo Technologies Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.2倍（$319.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 10.9%，领先15.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 1.4%）
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。
ZoomInfo Technologies Inc.是美国合规注册的数据服务商，通过数据采集、网页抓取等多元渠道汇总公开及非公开个人数据，同时收集企业、部门等商业主体信息，面向企业客户提供相关数据产品，助力客户开展精准营销等业务活动。
CASH vs GTM — 直观对比
营收规模更大
GTM
是对方的1.2倍
$276.3M
净利率更高
CASH
高出15.5%
10.9%
两年增速更快
CASH
近两年复合增速
1.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $319.1M |
| 净利润 | $72.9M | $34.7M |
| 毛利率 | — | 84.0% |
| 营业利润率 | — | 17.0% |
| 净利率 | 26.4% | 10.9% |
| 营收同比 | — | 3.2% |
| 净利润同比 | — | 137.7% |
| 每股收益（稀释后） | $3.35 | $0.11 |
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CASHGTM
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $319.1M | ||
| Q3 25 | $186.7M | $318.0M | ||
| Q2 25 | $195.8M | $306.7M | ||
| Q1 25 | $274.8M | $305.7M | ||
| Q4 24 | $182.6M | $309.1M | ||
| Q3 24 | $179.5M | $303.6M | ||
| Q2 24 | $188.6M | $291.5M |
净利润CASHGTM
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $34.7M | ||
| Q3 25 | $38.8M | $38.7M | ||
| Q2 25 | $42.1M | $24.0M | ||
| Q1 25 | $75.0M | $26.8M | ||
| Q4 24 | $30.0M | $14.6M | ||
| Q3 24 | $33.5M | $23.8M | ||
| Q2 24 | $44.9M | $-24.4M |
毛利率CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | — | 84.0% | ||
| Q3 25 | — | 83.7% | ||
| Q2 25 | — | 83.9% | ||
| Q1 25 | — | 84.5% | ||
| Q4 24 | — | 82.8% | ||
| Q3 24 | — | 84.4% | ||
| Q2 24 | — | 84.3% |
营业利润率CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 17.0% | ||
| Q3 25 | 25.9% | 21.2% | ||
| Q2 25 | 24.1% | 17.5% | ||
| Q1 25 | 33.2% | 16.5% | ||
| Q4 24 | 19.8% | 10.0% | ||
| Q3 24 | 20.9% | 14.3% | ||
| Q2 24 | 27.1% | -6.9% |
净利率CASHGTM
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 10.9% | ||
| Q3 25 | 20.8% | 12.2% | ||
| Q2 25 | 21.5% | 7.8% | ||
| Q1 25 | 27.3% | 8.8% | ||
| Q4 24 | 16.4% | 4.7% | ||
| Q3 24 | 18.7% | 7.8% | ||
| Q2 24 | 23.8% | -8.4% |
每股收益（稀释后）CASHGTM
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.11 | ||
| Q3 25 | $1.69 | $0.12 | ||
| Q2 25 | $1.81 | $0.07 | ||
| Q1 25 | $3.14 | $0.08 | ||
| Q4 24 | $1.23 | $0.04 | ||
| Q3 24 | $1.34 | $0.07 | ||
| Q2 24 | $1.78 | $-0.07 |
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 | $179.9M |
| 总债务越低越好 | $59.5M | $1.3B |
| 股东权益账面价值 | $850.7M | $1.5B |
| 总资产 | $7.1B | $6.4B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.88× |
8季度趋势，按日历期对齐
现金及短期投资CASHGTM
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $179.9M | ||
| Q3 25 | $120.6M | $135.0M | ||
| Q2 25 | $258.3M | $176.9M | ||
| Q1 25 | $254.2M | $140.5M | ||
| Q4 24 | $597.4M | $139.9M | ||
| Q3 24 | $158.3M | $147.7M | ||
| Q2 24 | $298.9M | $399.3M |
总债务CASHGTM
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.3B | ||
| Q3 25 | $33.5M | $1.3B | ||
| Q2 25 | $33.4M | $1.3B | ||
| Q1 25 | $33.4M | $1.2B | ||
| Q4 24 | $33.4M | $1.2B | ||
| Q3 24 | $33.4M | $1.2B | ||
| Q2 24 | $33.3M | $1.2B |
股东权益CASHGTM
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.5B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $819.0M | $1.6B | ||
| Q1 25 | $814.7M | $1.6B | ||
| Q4 24 | $758.3M | $1.7B | ||
| Q3 24 | $822.5M | $1.7B | ||
| Q2 24 | $748.4M | $1.9B |
总资产CASHGTM
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $6.4B | ||
| Q3 25 | $7.2B | $6.4B | ||
| Q2 25 | $7.2B | $6.5B | ||
| Q1 25 | $7.0B | $6.4B | ||
| Q4 24 | $7.6B | $6.5B | ||
| Q3 24 | $7.5B | $6.4B | ||
| Q2 24 | $7.5B | $6.7B |
负债/权益比CASHGTM
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.88× | ||
| Q3 25 | 0.04× | 0.87× | ||
| Q2 25 | 0.04× | 0.85× | ||
| Q1 25 | 0.04× | 0.75× | ||
| Q4 24 | 0.04× | 0.72× | ||
| Q3 24 | 0.04× | 0.74× | ||
| Q2 24 | 0.04× | 0.66× |
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 | — | $143.5M |
| 自由现金流经营现金流 - 资本支出 | — | $127.1M |
| 自由现金流率自由现金流/营收 | — | 39.8% |
| 资本支出强度资本支出/营收 | — | 5.1% |
| 现金转化率经营现金流/净利润 | — | 4.14× |
| 过去12个月自由现金流最近4个季度 | — | $389.3M |
8季度趋势，按日历期对齐
经营现金流CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $143.5M | ||
| Q3 25 | $303.7M | $93.8M | ||
| Q2 25 | $30.4M | $108.9M | ||
| Q1 25 | $188.3M | $119.2M | ||
| Q4 24 | $-71.7M | $109.0M | ||
| Q3 24 | $143.1M | $18.2M | ||
| Q2 24 | $113.2M | $126.3M |
自由现金流CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $127.1M | ||
| Q3 25 | $300.3M | $70.9M | ||
| Q2 25 | $27.7M | $86.9M | ||
| Q1 25 | $184.7M | $104.4M | ||
| Q4 24 | $-73.8M | $85.6M | ||
| Q3 24 | $138.8M | $600.0K | ||
| Q2 24 | $111.0M | $115.2M |
自由现金流率CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 39.8% | ||
| Q3 25 | 160.9% | 22.3% | ||
| Q2 25 | 14.1% | 28.3% | ||
| Q1 25 | 67.2% | 34.2% | ||
| Q4 24 | -40.4% | 27.7% | ||
| Q3 24 | 77.3% | 0.2% | ||
| Q2 24 | 58.8% | 39.5% |
资本支出强度CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 5.1% | ||
| Q3 25 | 1.8% | 7.2% | ||
| Q2 25 | 1.4% | 7.2% | ||
| Q1 25 | 1.3% | 4.8% | ||
| Q4 24 | 1.1% | 7.6% | ||
| Q3 24 | 2.4% | 5.8% | ||
| Q2 24 | 1.2% | 3.8% |
现金转化率CASHGTM
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 4.14× | ||
| Q3 25 | 7.83× | 2.42× | ||
| Q2 25 | 0.72× | 4.54× | ||
| Q1 25 | 2.51× | 4.45× | ||
| Q4 24 | -2.39× | 7.47× | ||
| Q3 24 | 4.27× | 0.76× | ||
| 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% |
GTM
暂无分部数据
