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PATHWARD FINANCIAL, INC.（CASH）与和黄医药（HCM）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是和黄医药的1.0倍（$276.3M vs $270.8M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 0.7%，领先25.7%）
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。
和黄医药是一家国际化生物制药企业，专注于肿瘤、免疫类疾病的靶向疗法与免疫疗法的研发、生产及商业化，核心市场覆盖中国及全球多个国家地区，已有多款肿瘤治疗药物上市，后期临床管线储备丰富。
CASH vs HCM — 直观对比
营收规模更大
CASH
是对方的1.0倍
$270.8M
净利率更高
CASH
高出25.7%
0.7%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $270.8M |
| 净利润 | $72.9M | $2.0M |
| 毛利率 | — | 37.7% |
| 营业利润率 | — | -13.2% |
| 净利率 | 26.4% | 0.7% |
| 营收同比 | — | -16.5% |
| 净利润同比 | — | -83.6% |
| 每股收益（稀释后） | $3.35 | $0.00 |
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CASHHCM
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $270.8M | ||
| Q3 25 | $186.7M | — | ||
| Q2 25 | $195.8M | $277.7M | ||
| Q1 25 | $274.8M | $324.5M | ||
| Q4 24 | $182.6M | — | ||
| Q3 24 | $179.5M | — | ||
| Q2 24 | $188.6M | $305.7M |
净利润CASHHCM
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $2.0M | ||
| Q3 25 | $38.8M | — | ||
| Q2 25 | $42.1M | $455.0M | ||
| Q1 25 | $75.0M | $11.9M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | — | ||
| Q2 24 | $44.9M | $25.8M |
毛利率CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 48.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 41.1% |
营业利润率CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -13.2% | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | 24.1% | -1.3% | ||
| Q1 25 | 33.2% | -5.0% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | — | ||
| Q2 24 | 27.1% | -9.0% |
净利率CASHHCM
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 0.7% | ||
| Q3 25 | 20.8% | — | ||
| Q2 25 | 21.5% | 163.8% | ||
| Q1 25 | 27.3% | 3.7% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | — | ||
| Q2 24 | 23.8% | 8.4% |
每股收益（稀释后）CASHHCM
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.00 | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | $0.52 | ||
| Q1 25 | $3.14 | $0.01 | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | $0.03 |
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 | $1.4B |
| 总债务越低越好 | $59.5M | $93.2M |
| 股东权益账面价值 | $850.7M | $1.2B |
| 总资产 | $7.1B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资CASHHCM
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $1.4B | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | $1.4B | ||
| Q1 25 | $254.2M | $836.1M | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | $802.5M |
总债务CASHHCM
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $93.2M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | $93.4M | ||
| Q1 25 | $33.4M | $82.8M | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | $82.1M |
股东权益CASHHCM
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.2B | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $819.0M | $1.2B | ||
| Q1 25 | $814.7M | $759.9M | ||
| Q4 24 | $758.3M | — | ||
| Q3 24 | $822.5M | — | ||
| Q2 24 | $748.4M | $740.1M |
总资产CASHHCM
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.8B | ||
| Q3 25 | $7.2B | — | ||
| Q2 25 | $7.2B | $1.8B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | — | ||
| Q3 24 | $7.5B | — | ||
| Q2 24 | $7.5B | $1.3B |
负债/权益比CASHHCM
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.08× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | 0.08× | ||
| Q1 25 | 0.04× | 0.11× | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | 0.11× |
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 | — | $8.2M |
| 自由现金流经营现金流 - 资本支出 | — | $3.4M |
| 自由现金流率自由现金流/营收 | — | 1.2% |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 现金转化率经营现金流/净利润 | — | 4.21× |
| 过去12个月自由现金流最近4个季度 | — | $-96.2M |
8季度趋势，按日历期对齐
经营现金流CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $8.2M | ||
| Q3 25 | $303.7M | — | ||
| Q2 25 | $30.4M | $-72.9M | ||
| Q1 25 | $188.3M | $40.3M | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | $-39.8M |
自由现金流CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $3.4M | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | $-82.2M | ||
| Q1 25 | $184.7M | $32.5M | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | $-49.9M |
自由现金流率CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 1.2% | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | -29.6% | ||
| Q1 25 | 67.2% | 10.0% | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | -16.3% |
资本支出强度CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.8% | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | 3.3% | ||
| Q1 25 | 1.3% | 2.4% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | 3.3% |
现金转化率CASHHCM
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 4.21× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | -0.16× | ||
| Q1 25 | 2.51× | 3.38× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | -1.54× |
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% |
HCM
暂无分部数据
