vs
PATHWARD FINANCIAL, INC.（CASH）与IBEX Ltd（IBEX）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IBEX Ltd的1.7倍（$276.3M vs $164.2M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 7.4%，领先18.9%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 13.8%）
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。
IBEX 35是西班牙主要交易所马德里证券交易所的基准股票指数，该指数始创于1992年，由西班牙证券市场集团BME旗下的交易所公司负责计算与管理。它以市值加权编制，涵盖马德里证券交易所流动性最高的35只西班牙股票，每年进行两次成分股调整。
CASH vs IBEX — 直观对比
营收规模更大
CASH
是对方的1.7倍
$164.2M
净利率更高
CASH
高出18.9%
7.4%
两年增速更快
CASH
近两年复合增速
13.8%
损益表 — Q2 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $164.2M |
| 净利润 | $72.9M | $12.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 9.3% |
| 净利率 | 26.4% | 7.4% |
| 营收同比 | — | 16.7% |
| 净利润同比 | — | 31.8% |
| 每股收益（稀释后） | $3.35 | $0.83 |
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CASHIBEX
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $164.2M | ||
| Q3 25 | $186.7M | $151.2M | ||
| Q2 25 | $195.8M | $147.1M | ||
| Q1 25 | $274.8M | $140.7M | ||
| Q4 24 | $182.6M | $140.7M | ||
| Q3 24 | $179.5M | $129.7M | ||
| Q2 24 | $188.6M | $124.5M |
净利润CASHIBEX
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $12.2M | ||
| Q3 25 | $38.8M | $12.0M | ||
| Q2 25 | $42.1M | $9.6M | ||
| Q1 25 | $75.0M | $10.5M | ||
| Q4 24 | $30.0M | $9.3M | ||
| Q3 24 | $33.5M | $7.5M | ||
| Q2 24 | $44.9M | $9.8M |
营业利润率CASHIBEX
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 9.3% | ||
| Q3 25 | 25.9% | 9.1% | ||
| Q2 25 | 24.1% | 8.3% | ||
| Q1 25 | 33.2% | 9.5% | ||
| Q4 24 | 19.8% | 8.5% | ||
| Q3 24 | 20.9% | 7.0% | ||
| Q2 24 | 27.1% | 10.3% |
净利率CASHIBEX
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 7.4% | ||
| Q3 25 | 20.8% | 8.0% | ||
| Q2 25 | 21.5% | 6.5% | ||
| Q1 25 | 27.3% | 7.4% | ||
| Q4 24 | 16.4% | 6.6% | ||
| Q3 24 | 18.7% | 5.8% | ||
| Q2 24 | 23.8% | 7.9% |
每股收益（稀释后）CASHIBEX
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.83 | ||
| Q3 25 | $1.69 | $0.82 | ||
| Q2 25 | $1.81 | $0.63 | ||
| Q1 25 | $3.14 | $0.73 | ||
| Q4 24 | $1.23 | $0.57 | ||
| Q3 24 | $1.34 | $0.43 | ||
| Q2 24 | $1.78 | $0.55 |
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 | $15.5M |
| 总债务越低越好 | $59.5M | $594.0K |
| 股东权益账面价值 | $850.7M | $154.5M |
| 总资产 | $7.1B | $295.8M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CASHIBEX
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $15.5M | ||
| Q3 25 | $120.6M | $22.7M | ||
| Q2 25 | $258.3M | $15.3M | ||
| Q1 25 | $254.2M | $13.0M | ||
| Q4 24 | $597.4M | $20.2M | ||
| Q3 24 | $158.3M | $62.3M | ||
| Q2 24 | $298.9M | $62.7M |
总债务CASHIBEX
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $594.0K | ||
| Q3 25 | $33.5M | $726.0K | ||
| Q2 25 | $33.4M | $796.0K | ||
| Q1 25 | $33.4M | $735.0K | ||
| Q4 24 | $33.4M | $695.0K | ||
| Q3 24 | $33.4M | $802.0K | ||
| Q2 24 | $33.3M | $867.0K |
股东权益CASHIBEX
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $154.5M | ||
| Q3 25 | $858.0M | $143.6M | ||
| Q2 25 | $819.0M | $134.3M | ||
| Q1 25 | $814.7M | $124.2M | ||
| Q4 24 | $758.3M | $108.9M | ||
| Q3 24 | $822.5M | $171.1M | ||
| Q2 24 | $748.4M | $165.8M |
总资产CASHIBEX
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $295.8M | ||
| Q3 25 | $7.2B | $283.9M | ||
| Q2 25 | $7.2B | $273.2M | ||
| Q1 25 | $7.0B | $274.7M | ||
| Q4 24 | $7.6B | $272.5M | ||
| Q3 24 | $7.5B | $306.3M | ||
| Q2 24 | $7.5B | $293.9M |
负债/权益比CASHIBEX
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.00× | ||
| Q3 25 | 0.04× | 0.01× | ||
| Q2 25 | 0.04× | 0.01× | ||
| Q1 25 | 0.04× | 0.01× | ||
| Q4 24 | 0.04× | 0.01× | ||
| Q3 24 | 0.04× | 0.00× | ||
| Q2 24 | 0.04× | 0.01× |
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 | — | $6.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-5.1M |
| 自由现金流率自由现金流/营收 | — | -3.1% |
| 资本支出强度资本支出/营收 | — | 7.1% |
| 现金转化率经营现金流/净利润 | — | 0.54× |
| 过去12个月自由现金流最近4个季度 | — | $29.3M |
8季度趋势，按日历期对齐
经营现金流CASHIBEX
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $6.6M | ||
| Q3 25 | $303.7M | $15.7M | ||
| Q2 25 | $30.4M | $27.9M | ||
| Q1 25 | $188.3M | $8.8M | ||
| Q4 24 | $-71.7M | $1.1M | ||
| Q3 24 | $143.1M | $7.8M | ||
| Q2 24 | $113.2M | $17.4M |
自由现金流CASHIBEX
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-5.1M | ||
| Q3 25 | $300.3M | $8.0M | ||
| Q2 25 | $27.7M | $22.8M | ||
| Q1 25 | $184.7M | $3.6M | ||
| Q4 24 | $-73.8M | $-3.2M | ||
| Q3 24 | $138.8M | $4.1M | ||
| Q2 24 | $111.0M | $15.2M |
自由现金流率CASHIBEX
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -3.1% | ||
| Q3 25 | 160.9% | 5.3% | ||
| Q2 25 | 14.1% | 15.5% | ||
| Q1 25 | 67.2% | 2.5% | ||
| Q4 24 | -40.4% | -2.3% | ||
| Q3 24 | 77.3% | 3.2% | ||
| Q2 24 | 58.8% | 12.2% |
资本支出强度CASHIBEX
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 7.1% | ||
| Q3 25 | 1.8% | 5.1% | ||
| Q2 25 | 1.4% | 3.5% | ||
| Q1 25 | 1.3% | 3.7% | ||
| Q4 24 | 1.1% | 3.1% | ||
| Q3 24 | 2.4% | 2.8% | ||
| Q2 24 | 1.2% | 1.8% |
现金转化率CASHIBEX
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.54× | ||
| Q3 25 | 7.83× | 1.30× | ||
| Q2 25 | 0.72× | 2.91× | ||
| Q1 25 | 2.51× | 0.84× | ||
| Q4 24 | -2.39× | 0.12× | ||
| Q3 24 | 4.27× | 1.03× | ||
| Q2 24 | 2.52× | 1.77× |
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% |
IBEX
| Transferred Over Time | $147.1M | 90% |
| Transferred At Point In Time | $17.1M | 10% |
