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PATHWARD FINANCIAL, INC.（CASH）与IDACORP INC（IDA）财务数据对比。点击上方公司名可切换其他公司
IDACORP INC的季度营收约是PATHWARD FINANCIAL, INC.的1.3倍（$360.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 12.1%，领先14.3%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -7.2%）
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。
IDACORP Inc是注册于美国爱达荷州、总部设在博伊西的电力控股企业，成立于1998年10月1日，旗下拥有爱达荷电力公司、IDACORP金融公司及Ida-West能源公司，业务覆盖电力供应、能源服务及相关配套金融服务领域。
CASH vs IDA — 直观对比
营收规模更大
IDA
是对方的1.3倍
$276.3M
净利率更高
CASH
高出14.3%
12.1%
两年增速更快
CASH
近两年复合增速
-7.2%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $360.1M |
| 净利润 | $72.9M | $43.6M |
| 毛利率 | — | — |
| 营业利润率 | — | 14.9% |
| 净利率 | 26.4% | 12.1% |
| 营收同比 | — | -4.2% |
| 净利润同比 | — | 15.1% |
| 每股收益（稀释后） | $3.35 | $0.78 |
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CASHIDA
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $360.1M | ||
| Q3 25 | $186.7M | $526.4M | ||
| Q2 25 | $195.8M | $449.3M | ||
| Q1 25 | $274.8M | $411.1M | ||
| Q4 24 | $182.6M | $375.9M | ||
| Q3 24 | $179.5M | $532.5M | ||
| Q2 24 | $188.6M | $442.6M |
净利润CASHIDA
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $43.6M | ||
| Q3 25 | $38.8M | $124.4M | ||
| Q2 25 | $42.1M | $95.8M | ||
| Q1 25 | $75.0M | $59.6M | ||
| Q4 24 | $30.0M | $37.9M | ||
| Q3 24 | $33.5M | $113.6M | ||
| Q2 24 | $44.9M | $89.5M |
营业利润率CASHIDA
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 14.9% | ||
| Q3 25 | 25.9% | 27.5% | ||
| Q2 25 | 24.1% | 22.4% | ||
| Q1 25 | 33.2% | 13.4% | ||
| Q4 24 | 19.8% | 11.0% | ||
| Q3 24 | 20.9% | 25.1% | ||
| Q2 24 | 27.1% | 23.3% |
净利率CASHIDA
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 12.1% | ||
| Q3 25 | 20.8% | 23.6% | ||
| Q2 25 | 21.5% | 21.3% | ||
| Q1 25 | 27.3% | 14.5% | ||
| Q4 24 | 16.4% | 10.1% | ||
| Q3 24 | 18.7% | 21.3% | ||
| Q2 24 | 23.8% | 20.2% |
每股收益（稀释后）CASHIDA
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.78 | ||
| Q3 25 | $1.69 | $2.26 | ||
| Q2 25 | $1.81 | $1.76 | ||
| Q1 25 | $3.14 | $1.10 | ||
| Q4 24 | $1.23 | $0.72 | ||
| Q3 24 | $1.34 | $2.12 | ||
| 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 | $215.7M |
| 总债务越低越好 | $59.5M | $3.3B |
| 股东权益账面价值 | $850.7M | $3.6B |
| 总资产 | $7.1B | $10.2B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.93× |
8季度趋势，按日历期对齐
现金及短期投资CASHIDA
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $215.7M | ||
| Q3 25 | $120.6M | $333.2M | ||
| Q2 25 | $258.3M | $474.5M | ||
| Q1 25 | $254.2M | $634.5M | ||
| Q4 24 | $597.4M | $368.9M | ||
| Q3 24 | $158.3M | $427.9M | ||
| Q2 24 | $298.9M | $169.6M |
总债务CASHIDA
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $3.3B | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $3.1B | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHIDA
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $3.6B | ||
| Q3 25 | $858.0M | $3.5B | ||
| Q2 25 | $819.0M | $3.4B | ||
| Q1 25 | $814.7M | $3.3B | ||
| Q4 24 | $758.3M | $3.3B | ||
| Q3 24 | $822.5M | $3.3B | ||
| Q2 24 | $748.4M | $3.2B |
总资产CASHIDA
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $10.2B | ||
| Q3 25 | $7.2B | $10.1B | ||
| Q2 25 | $7.2B | $9.9B | ||
| Q1 25 | $7.0B | $9.6B | ||
| Q4 24 | $7.6B | $9.2B | ||
| Q3 24 | $7.5B | $9.1B | ||
| Q2 24 | $7.5B | $8.7B |
负债/权益比CASHIDA
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.93× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.92× | ||
| 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 | — | $137.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-216.2M |
| 自由现金流率自由现金流/营收 | — | -60.0% |
| 资本支出强度资本支出/营收 | — | 98.3% |
| 现金转化率经营现金流/净利润 | — | 3.16× |
| 过去12个月自由现金流最近4个季度 | — | $-577.5M |
8季度趋势，按日历期对齐
经营现金流CASHIDA
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $137.8M | ||
| Q3 25 | $303.7M | $162.8M | ||
| Q2 25 | $30.4M | $176.9M | ||
| Q1 25 | $188.3M | $124.3M | ||
| Q4 24 | $-71.7M | $136.4M | ||
| Q3 24 | $143.1M | $201.9M | ||
| Q2 24 | $113.2M | $146.4M |
自由现金流CASHIDA
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-216.2M | ||
| Q3 25 | $300.3M | $-127.9M | ||
| Q2 25 | $27.7M | $-156.4M | ||
| Q1 25 | $184.7M | $-77.0M | ||
| Q4 24 | $-73.8M | $-48.9M | ||
| Q3 24 | $138.8M | $-16.1M | ||
| Q2 24 | $111.0M | $-199.6M |
自由现金流率CASHIDA
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -60.0% | ||
| Q3 25 | 160.9% | -24.3% | ||
| Q2 25 | 14.1% | -34.8% | ||
| Q1 25 | 67.2% | -18.7% | ||
| Q4 24 | -40.4% | -13.0% | ||
| Q3 24 | 77.3% | -3.0% | ||
| Q2 24 | 58.8% | -45.1% |
资本支出强度CASHIDA
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 98.3% | ||
| Q3 25 | 1.8% | 55.2% | ||
| Q2 25 | 1.4% | 74.2% | ||
| Q1 25 | 1.3% | 49.0% | ||
| Q4 24 | 1.1% | 49.3% | ||
| Q3 24 | 2.4% | 41.0% | ||
| Q2 24 | 1.2% | 78.2% |
现金转化率CASHIDA
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 3.16× | ||
| Q3 25 | 7.83× | 1.31× | ||
| Q2 25 | 0.72× | 1.85× | ||
| Q1 25 | 2.51× | 2.08× | ||
| Q4 24 | -2.39× | 3.60× | ||
| Q3 24 | 4.27× | 1.78× | ||
| Q2 24 | 2.52× | 1.63× |
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% |
IDA
| Retailrevenues | $323.0M | 90% |
| Transmissionserviceswheeling | $18.6M | 5% |
| Energyefficiencyprogramrevenues | $11.7M | 3% |
| Wholesaleenergysales | $10.5M | 3% |
| Otherrevenues | $9.5M | 3% |
