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PATHWARD FINANCIAL, INC.（CASH）与IAC Inc.（IAC）财务数据对比。点击上方公司名可切换其他公司
IAC Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$422.9M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -17.0%，领先43.4%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -18.4%）
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。
IAC Inc.是一家美国控股企业，业务覆盖媒体与互联网领域，在全球拥有多个知名品牌。公司前身是1996年成立的HSN Inc.，当时作为家庭购物频道Home Shopping Network和USA电视台的控股主体运营，1999年更名为USA Networks Inc.，2002年将旗下电视业务资产出售给威望迪集团。
CASH vs IAC — 直观对比
营收规模更大
IAC
是对方的1.5倍
$276.3M
净利率更高
CASH
高出43.4%
-17.0%
两年增速更快
CASH
近两年复合增速
-18.4%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $422.9M |
| 净利润 | $72.9M | $-71.9M |
| 毛利率 | — | 99.9% |
| 营业利润率 | — | — |
| 净利率 | 26.4% | -17.0% |
| 营收同比 | — | -12.2% |
| 净利润同比 | — | 67.1% |
| 每股收益（稀释后） | $3.35 | $-0.94 |
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CASHIAC
| Q1 26 | $276.3M | $422.9M | ||
| Q4 25 | $173.1M | $646.0M | ||
| Q3 25 | $186.7M | $589.8M | ||
| Q2 25 | $195.8M | $586.9M | ||
| Q1 25 | $274.8M | $570.5M | ||
| Q4 24 | $182.6M | $721.4M | ||
| Q3 24 | $179.5M | $642.0M | ||
| Q2 24 | $188.6M | $634.4M |
净利润CASHIAC
| Q1 26 | $72.9M | $-71.9M | ||
| Q4 25 | $35.2M | $-76.8M | ||
| Q3 25 | $38.8M | $-21.9M | ||
| Q2 25 | $42.1M | $211.5M | ||
| Q1 25 | $75.0M | $-216.8M | ||
| Q4 24 | $30.0M | $-199.0M | ||
| Q3 24 | $33.5M | $-243.7M | ||
| Q2 24 | $44.9M | $-142.2M |
毛利率CASHIAC
| Q1 26 | — | 99.9% | ||
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 64.8% | ||
| Q2 25 | — | 65.6% | ||
| Q1 25 | — | 64.0% | ||
| Q4 24 | — | 65.8% | ||
| Q3 24 | — | 62.1% | ||
| Q2 24 | — | 60.1% |
营业利润率CASHIAC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -17.5% | ||
| Q3 25 | 25.9% | -3.5% | ||
| Q2 25 | 24.1% | 0.1% | ||
| Q1 25 | 33.2% | 6.3% | ||
| Q4 24 | 19.8% | 6.7% | ||
| Q3 24 | 20.9% | 1.3% | ||
| Q2 24 | 27.1% | -3.4% |
净利率CASHIAC
| Q1 26 | 26.4% | -17.0% | ||
| Q4 25 | 20.3% | -11.9% | ||
| Q3 25 | 20.8% | -3.7% | ||
| Q2 25 | 21.5% | 36.0% | ||
| Q1 25 | 27.3% | -38.0% | ||
| Q4 24 | 16.4% | -27.6% | ||
| Q3 24 | 18.7% | -38.0% | ||
| Q2 24 | 23.8% | -22.4% |
每股收益（稀释后）CASHIAC
| Q1 26 | $3.35 | $-0.94 | ||
| Q4 25 | $1.57 | $-0.96 | ||
| Q3 25 | $1.69 | $-0.27 | ||
| Q2 25 | $1.81 | $2.57 | ||
| Q1 25 | $3.14 | $-2.64 | ||
| Q4 24 | $1.23 | $-2.36 | ||
| Q3 24 | $1.34 | $-2.93 | ||
| Q2 24 | $1.78 | $-1.71 |
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 | $1.1B |
| 总债务越低越好 | $59.5M | $24.5M |
| 股东权益账面价值 | $850.7M | $4.6B |
| 总资产 | $7.1B | $6.8B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资CASHIAC
| Q1 26 | $157.6M | $1.1B | ||
| Q4 25 | $331.2M | $960.2M | ||
| Q3 25 | $120.6M | $1.0B | ||
| Q2 25 | $258.3M | $1.1B | ||
| Q1 25 | $254.2M | $1.2B | ||
| Q4 24 | $597.4M | $1.4B | ||
| Q3 24 | $158.3M | $1.3B | ||
| Q2 24 | $298.9M | $1.3B |
总债务CASHIAC
| Q1 26 | $59.5M | $24.5M | ||
| Q4 25 | $33.5M | $1.4B | ||
| Q3 25 | $33.5M | $1.4B | ||
| Q2 25 | $33.4M | $1.4B | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHIAC
| Q1 26 | $850.7M | $4.6B | ||
| Q4 25 | $854.5M | $4.7B | ||
| Q3 25 | $858.0M | $4.8B | ||
| Q2 25 | $819.0M | $4.9B | ||
| Q1 25 | $814.7M | $4.7B | ||
| Q4 24 | $758.3M | $5.6B | ||
| Q3 24 | $822.5M | $5.8B | ||
| Q2 24 | $748.4M | $6.0B |
总资产CASHIAC
| Q1 26 | $7.1B | $6.8B | ||
| Q4 25 | $7.6B | $7.1B | ||
| Q3 25 | $7.2B | $7.2B | ||
| Q2 25 | $7.2B | $7.4B | ||
| Q1 25 | $7.0B | $7.2B | ||
| Q4 24 | $7.6B | $9.7B | ||
| Q3 24 | $7.5B | $9.8B | ||
| Q2 24 | $7.5B | $10.2B |
负债/权益比CASHIAC
| Q1 26 | 0.07× | 0.01× | ||
| Q4 25 | 0.04× | 0.30× | ||
| Q3 25 | 0.04× | 0.30× | ||
| Q2 25 | 0.04× | 0.30× | ||
| 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 | — | $5.4M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 0.5% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $51.4M |
8季度趋势，按日历期对齐
经营现金流CASHIAC
| Q1 26 | — | $5.4M | ||
| Q4 25 | $108.3M | $36.6M | ||
| Q3 25 | $303.7M | $30.1M | ||
| Q2 25 | $30.4M | $-2.8M | ||
| Q1 25 | $188.3M | $63.0K | ||
| Q4 24 | $-71.7M | $110.1M | ||
| Q3 24 | $143.1M | $95.3M | ||
| Q2 24 | $113.2M | $85.0M |
自由现金流CASHIAC
| Q1 26 | — | $2.0M | ||
| Q4 25 | $104.1M | $31.4M | ||
| Q3 25 | $300.3M | $25.3M | ||
| Q2 25 | $27.7M | $-7.2M | ||
| Q1 25 | $184.7M | $-4.6M | ||
| Q4 24 | $-73.8M | $104.8M | ||
| Q3 24 | $138.8M | $92.0M | ||
| Q2 24 | $111.0M | $81.6M |
自由现金流率CASHIAC
| Q1 26 | — | 0.5% | ||
| Q4 25 | 60.1% | 4.9% | ||
| Q3 25 | 160.9% | 4.3% | ||
| Q2 25 | 14.1% | -1.2% | ||
| Q1 25 | 67.2% | -0.8% | ||
| Q4 24 | -40.4% | 14.5% | ||
| Q3 24 | 77.3% | 14.3% | ||
| Q2 24 | 58.8% | 12.9% |
资本支出强度CASHIAC
| Q1 26 | — | 1.9% | ||
| Q4 25 | 2.4% | 0.8% | ||
| Q3 25 | 1.8% | 0.8% | ||
| Q2 25 | 1.4% | 0.8% | ||
| Q1 25 | 1.3% | 0.8% | ||
| Q4 24 | 1.1% | 0.7% | ||
| Q3 24 | 2.4% | 0.5% | ||
| Q2 24 | 1.2% | 0.5% |
现金转化率CASHIAC
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | -0.01× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| 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% |
IAC
| People Inc. (a) | $385.7M | 91% |
| Emerging & Other | $20.1M | 5% |
| Search | $17.1M | 4% |
