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PATHWARD FINANCIAL, INC.（CASH）与HEARTLAND EXPRESS INC（HTLD）财务数据对比。点击上方公司名可切换其他公司
HEARTLAND EXPRESS INC的季度营收约是PATHWARD FINANCIAL, INC.的1.0倍（$179.4M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -10.8%，领先31.2%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -26.1%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $-44.2M），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（-18.0% vs -18.5%）
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。
哈特兰德快运是一家总部位于艾奥瓦州北利伯蒂的美国公路货运企业，核心业务为覆盖美国全境的整车公路运输服务，在北美干线货运领域拥有稳定的运营网络与行业经验。
CASH vs HTLD — 直观对比
营收规模更大
HTLD
是对方的1.0倍
$173.1M
营收增速更快
CASH
高出25.8%
-26.1%
净利率更高
CASH
高出31.2%
-10.8%
自由现金流更多
CASH
多$148.3M
$-44.2M
两年增速更快
CASH
近两年复合增速
-18.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $179.4M |
| 净利润 | $35.2M | $-19.4M |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | -12.7% |
| 净利率 | 20.3% | -10.8% |
| 营收同比 | -0.2% | -26.1% |
| 净利润同比 | 11.9% | -949.2% |
| 每股收益（稀释后） | $1.57 | $-0.24 |
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CASHHTLD
| Q4 25 | $173.1M | $179.4M | ||
| Q3 25 | $186.7M | $196.5M | ||
| Q2 25 | $195.8M | $210.4M | ||
| Q1 25 | $274.8M | $219.4M | ||
| Q4 24 | $182.6M | $242.6M | ||
| Q3 24 | $179.5M | $259.9M | ||
| Q2 24 | $188.6M | $274.8M | ||
| Q1 24 | $257.6M | $270.3M |
净利润CASHHTLD
| Q4 25 | $35.2M | $-19.4M | ||
| Q3 25 | $38.8M | $-8.3M | ||
| Q2 25 | $42.1M | $-10.9M | ||
| Q1 25 | $75.0M | $-13.9M | ||
| Q4 24 | $30.0M | $-1.9M | ||
| Q3 24 | $33.5M | $-9.3M | ||
| Q2 24 | $44.9M | $-3.5M | ||
| Q1 24 | $69.9M | $-15.1M |
营业利润率CASHHTLD
| Q4 25 | 24.6% | -12.7% | ||
| Q3 25 | 25.9% | -3.7% | ||
| Q2 25 | 24.1% | -5.9% | ||
| Q1 25 | 33.2% | -6.8% | ||
| Q4 24 | 19.8% | 0.4% | ||
| Q3 24 | 20.9% | -2.7% | ||
| Q2 24 | 27.1% | 0.1% | ||
| Q1 24 | 33.8% | -5.3% |
净利率CASHHTLD
| Q4 25 | 20.3% | -10.8% | ||
| Q3 25 | 20.8% | -4.2% | ||
| Q2 25 | 21.5% | -5.2% | ||
| Q1 25 | 27.3% | -6.3% | ||
| Q4 24 | 16.4% | -0.8% | ||
| Q3 24 | 18.7% | -3.6% | ||
| Q2 24 | 23.8% | -1.3% | ||
| Q1 24 | 27.1% | -5.6% |
每股收益（稀释后）CASHHTLD
| Q4 25 | $1.57 | $-0.24 | ||
| Q3 25 | $1.69 | $-0.11 | ||
| Q2 25 | $1.81 | $-0.14 | ||
| Q1 25 | $3.14 | $-0.18 | ||
| Q4 24 | $1.23 | $-0.03 | ||
| Q3 24 | $1.34 | $-0.12 | ||
| Q2 24 | $1.78 | $-0.04 | ||
| Q1 24 | $2.74 | $-0.19 |
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 | $18.5M |
| 总债务越低越好 | $33.5M | $154.1M |
| 股东权益账面价值 | $854.5M | $755.3M |
| 总资产 | $7.6B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.04× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资CASHHTLD
| Q4 25 | $331.2M | $18.5M | ||
| Q3 25 | $120.6M | $32.7M | ||
| Q2 25 | $258.3M | $22.9M | ||
| Q1 25 | $254.2M | $23.9M | ||
| Q4 24 | $597.4M | $12.8M | ||
| Q3 24 | $158.3M | $30.7M | ||
| Q2 24 | $298.9M | $23.9M | ||
| Q1 24 | $347.9M | $23.8M |
总债务CASHHTLD
| Q4 25 | $33.5M | $154.1M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $187.9M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHHTLD
| Q4 25 | $854.5M | $755.3M | ||
| Q3 25 | $858.0M | $775.6M | ||
| Q2 25 | $819.0M | $786.7M | ||
| Q1 25 | $814.7M | $807.7M | ||
| Q4 24 | $758.3M | $822.6M | ||
| Q3 24 | $822.5M | $825.7M | ||
| Q2 24 | $748.4M | $836.8M | ||
| Q1 24 | $719.5M | $848.8M |
总资产CASHHTLD
| Q4 25 | $7.6B | $1.2B | ||
| Q3 25 | $7.2B | $1.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | $1.3B | ||
| Q3 24 | $7.5B | $1.4B | ||
| Q2 24 | $7.5B | $1.4B | ||
| Q1 24 | $7.4B | $1.5B |
负债/权益比CASHHTLD
| Q4 25 | 0.04× | 0.20× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.23× | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.05× | — |
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 | $14.9M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $-44.2M |
| 自由现金流率自由现金流/营收 | 60.1% | -24.6% |
| 资本支出强度资本支出/营收 | 2.4% | 33.0% |
| 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 | $-66.9M |
8季度趋势，按日历期对齐
经营现金流CASHHTLD
| Q4 25 | $108.3M | $14.9M | ||
| Q3 25 | $303.7M | $27.5M | ||
| Q2 25 | $30.4M | $21.0M | ||
| Q1 25 | $188.3M | $25.8M | ||
| Q4 24 | $-71.7M | $37.8M | ||
| Q3 24 | $143.1M | $35.6M | ||
| Q2 24 | $113.2M | $40.0M | ||
| Q1 24 | $203.0M | $31.0M |
自由现金流CASHHTLD
| Q4 25 | $104.1M | $-44.2M | ||
| Q3 25 | $300.3M | $-12.2M | ||
| Q2 25 | $27.7M | $-12.8M | ||
| Q1 25 | $184.7M | $2.3M | ||
| Q4 24 | $-73.8M | $-45.5M | ||
| Q3 24 | $138.8M | $24.6M | ||
| Q2 24 | $111.0M | $29.4M | ||
| Q1 24 | $201.3M | $26.3M |
自由现金流率CASHHTLD
| Q4 25 | 60.1% | -24.6% | ||
| Q3 25 | 160.9% | -6.2% | ||
| Q2 25 | 14.1% | -6.1% | ||
| Q1 25 | 67.2% | 1.0% | ||
| Q4 24 | -40.4% | -18.8% | ||
| Q3 24 | 77.3% | 9.5% | ||
| Q2 24 | 58.8% | 10.7% | ||
| Q1 24 | 78.1% | 9.7% |
资本支出强度CASHHTLD
| Q4 25 | 2.4% | 33.0% | ||
| Q3 25 | 1.8% | 20.2% | ||
| Q2 25 | 1.4% | 16.1% | ||
| Q1 25 | 1.3% | 10.7% | ||
| Q4 24 | 1.1% | 34.3% | ||
| Q3 24 | 2.4% | 4.2% | ||
| Q2 24 | 1.2% | 3.8% | ||
| Q1 24 | 0.7% | 1.7% |
现金转化率CASHHTLD
| 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× | — | ||
| Q1 24 | 2.90× | — |
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% |
HTLD
暂无分部数据
