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PATHWARD FINANCIAL, INC.（CASH）与HAVERTY FURNITURE COMPANIES INC（HVT）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HAVERTY FURNITURE COMPANIES INC的1.4倍（$276.3M vs $201.9M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 4.2%，领先22.2%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 4.8%）
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。
该企业原名为国际鞋业公司，1911年由两家鞋企合并成立于美国密苏里州克莱顿，后开展多元化业务并逐步退出制鞋领域，最终更名为家具品牌国际，是美国家居行业知名企业，曾拥有布罗伊希尔等多个知名家具品牌。
CASH vs HVT — 直观对比
营收规模更大
CASH
是对方的1.4倍
$201.9M
净利率更高
CASH
高出22.2%
4.2%
两年增速更快
CASH
近两年复合增速
4.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $201.9M |
| 净利润 | $72.9M | $8.5M |
| 毛利率 | — | 60.4% |
| 营业利润率 | — | 5.3% |
| 净利率 | 26.4% | 4.2% |
| 营收同比 | — | 9.5% |
| 净利润同比 | — | 4.1% |
| 每股收益（稀释后） | $3.35 | — |
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CASHHVT
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $201.9M | ||
| Q3 25 | $186.7M | $194.5M | ||
| Q2 25 | $195.8M | $181.0M | ||
| Q1 25 | $274.8M | $181.6M | ||
| Q4 24 | $182.6M | $184.4M | ||
| Q3 24 | $179.5M | $175.9M | ||
| Q2 24 | $188.6M | $178.6M |
净利润CASHHVT
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $8.5M | ||
| Q3 25 | $38.8M | $4.7M | ||
| Q2 25 | $42.1M | $2.7M | ||
| Q1 25 | $75.0M | $3.8M | ||
| Q4 24 | $30.0M | $8.2M | ||
| Q3 24 | $33.5M | $4.9M | ||
| Q2 24 | $44.9M | $4.4M |
毛利率CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | — | 60.4% | ||
| Q3 25 | — | 60.3% | ||
| Q2 25 | — | 60.8% | ||
| Q1 25 | — | 61.2% | ||
| Q4 24 | — | 61.9% | ||
| Q3 24 | — | 60.2% | ||
| Q2 24 | — | 60.4% |
营业利润率CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.3% | ||
| Q3 25 | 25.9% | 3.3% | ||
| Q2 25 | 24.1% | 2.4% | ||
| Q1 25 | 33.2% | 2.9% | ||
| Q4 24 | 19.8% | 5.2% | ||
| Q3 24 | 20.9% | 3.9% | ||
| Q2 24 | 27.1% | 3.6% |
净利率CASHHVT
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 4.2% | ||
| Q3 25 | 20.8% | 2.4% | ||
| Q2 25 | 21.5% | 1.5% | ||
| Q1 25 | 27.3% | 2.1% | ||
| Q4 24 | 16.4% | 4.4% | ||
| Q3 24 | 18.7% | 2.8% | ||
| Q2 24 | 23.8% | 2.5% |
每股收益（稀释后）CASHHVT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | — |
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 | $125.3M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $307.9M |
| 总资产 | $7.1B | $649.1M |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHHVT
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $125.3M | ||
| Q3 25 | $120.6M | $130.5M | ||
| Q2 25 | $258.3M | $107.4M | ||
| Q1 25 | $254.2M | $111.9M | ||
| Q4 24 | $597.4M | $120.0M | ||
| Q3 24 | $158.3M | $121.2M | ||
| Q2 24 | $298.9M | $109.9M |
总债务CASHHVT
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHHVT
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $307.9M | ||
| Q3 25 | $858.0M | $306.0M | ||
| Q2 25 | $819.0M | $304.9M | ||
| Q1 25 | $814.7M | $305.4M | ||
| Q4 24 | $758.3M | $307.6M | ||
| Q3 24 | $822.5M | $307.8M | ||
| Q2 24 | $748.4M | $307.1M |
总资产CASHHVT
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $649.1M | ||
| Q3 25 | $7.2B | $651.7M | ||
| Q2 25 | $7.2B | $642.7M | ||
| Q1 25 | $7.0B | $642.7M | ||
| Q4 24 | $7.6B | $648.7M | ||
| Q3 24 | $7.5B | $659.3M | ||
| Q2 24 | $7.5B | $642.1M |
负债/权益比CASHHVT
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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 | — | $7.4M |
| 自由现金流经营现金流 - 资本支出 | — | $3.0M |
| 自由现金流率自由现金流/营收 | — | 1.5% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | — | 0.86× |
| 过去12个月自由现金流最近4个季度 | — | $33.0M |
8季度趋势，按日历期对齐
经营现金流CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $7.4M | ||
| Q3 25 | $303.7M | $31.9M | ||
| Q2 25 | $30.4M | $7.2M | ||
| Q1 25 | $188.3M | $6.2M | ||
| Q4 24 | $-71.7M | $16.9M | ||
| Q3 24 | $143.1M | $24.4M | ||
| Q2 24 | $113.2M | $14.4M |
自由现金流CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $3.0M | ||
| Q3 25 | $300.3M | $28.3M | ||
| Q2 25 | $27.7M | $1.6M | ||
| Q1 25 | $184.7M | $27.0K | ||
| Q4 24 | $-73.8M | $9.1M | ||
| Q3 24 | $138.8M | $16.1M | ||
| Q2 24 | $111.0M | $4.9M |
自由现金流率CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 1.5% | ||
| Q3 25 | 160.9% | 14.6% | ||
| Q2 25 | 14.1% | 0.9% | ||
| Q1 25 | 67.2% | 0.0% | ||
| Q4 24 | -40.4% | 4.9% | ||
| Q3 24 | 77.3% | 9.2% | ||
| Q2 24 | 58.8% | 2.7% |
资本支出强度CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.2% | ||
| Q3 25 | 1.8% | 1.8% | ||
| Q2 25 | 1.4% | 3.1% | ||
| Q1 25 | 1.3% | 3.4% | ||
| Q4 24 | 1.1% | 4.2% | ||
| Q3 24 | 2.4% | 4.7% | ||
| Q2 24 | 1.2% | 5.3% |
现金转化率CASHHVT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.86× | ||
| Q3 25 | 7.83× | 6.75× | ||
| Q2 25 | 0.72× | 2.69× | ||
| Q1 25 | 2.51× | 1.63× | ||
| Q4 24 | -2.39× | 2.06× | ||
| Q3 24 | 4.27× | 4.96× | ||
| Q2 24 | 2.52× | 3.25× |
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% |
HVT
| Upholstery | $91.0M | 45% |
| Bedroom Furniture | $29.2M | 14% |
| Accessories And Other | $28.4M | 14% |
| Dining Room Furniture | $22.8M | 11% |
| Mattresses | $16.1M | 8% |
| Occasional | $14.4M | 7% |
