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PATHWARD FINANCIAL, INC.（CASH）与INTERPARFUMS INC（IPAR）财务数据对比。点击上方公司名可切换其他公司
INTERPARFUMS INC的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$386.2M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 7.3%，领先19.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 9.2%）
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。
Inter Parfums Inc是全球知名的高端香水企业，开发、生产并销售多款授权香水、身体护理及相关美妆产品，与多家顶级奢侈时尚生活方式品牌合作推出联名香氛系列，产品覆盖全球主要市场，通过百货、美妆专营店及官方电商渠道触达消费者。
CASH vs IPAR — 直观对比
营收规模更大
IPAR
是对方的1.4倍
$276.3M
净利率更高
CASH
高出19.1%
7.3%
两年增速更快
CASH
近两年复合增速
9.2%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $386.2M |
| 净利润 | $72.9M | $28.1M |
| 毛利率 | — | 61.5% |
| 营业利润率 | — | 7.1% |
| 净利率 | 26.4% | 7.3% |
| 营收同比 | — | 6.8% |
| 净利润同比 | — | 16.0% |
| 每股收益（稀释后） | $3.35 | $0.88 |
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CASHIPAR
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $386.2M | ||
| Q3 25 | $186.7M | $429.6M | ||
| Q2 25 | $195.8M | $333.9M | ||
| Q1 25 | $274.8M | $338.8M | ||
| Q4 24 | $182.6M | $361.5M | ||
| Q3 24 | $179.5M | $424.6M | ||
| Q2 24 | $188.6M | $342.2M |
净利润CASHIPAR
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $28.1M | ||
| Q3 25 | $38.8M | $65.8M | ||
| Q2 25 | $42.1M | $32.0M | ||
| Q1 25 | $75.0M | $42.5M | ||
| Q4 24 | $30.0M | $24.2M | ||
| Q3 24 | $33.5M | $62.3M | ||
| Q2 24 | $44.9M | $36.8M |
毛利率CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | — | 61.5% | ||
| Q3 25 | — | 63.5% | ||
| Q2 25 | — | 66.2% | ||
| Q1 25 | — | 63.7% | ||
| Q4 24 | — | 64.5% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 64.5% |
营业利润率CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 7.1% | ||
| Q3 25 | 25.9% | 25.3% | ||
| Q2 25 | 24.1% | 17.7% | ||
| Q1 25 | 33.2% | 22.2% | ||
| Q4 24 | 19.8% | 10.0% | ||
| Q3 24 | 20.9% | 25.0% | ||
| Q2 24 | 27.1% | 18.9% |
净利率CASHIPAR
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 7.3% | ||
| Q3 25 | 20.8% | 15.3% | ||
| Q2 25 | 21.5% | 9.6% | ||
| Q1 25 | 27.3% | 12.5% | ||
| Q4 24 | 16.4% | 6.7% | ||
| Q3 24 | 18.7% | 14.7% | ||
| Q2 24 | 23.8% | 10.8% |
每股收益（稀释后）CASHIPAR
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.88 | ||
| Q3 25 | $1.69 | $2.05 | ||
| Q2 25 | $1.81 | $0.99 | ||
| Q1 25 | $3.14 | $1.32 | ||
| Q4 24 | $1.23 | $0.78 | ||
| Q3 24 | $1.34 | $1.93 | ||
| Q2 24 | $1.78 | $1.14 |
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 | $137.1M |
| 总债务越低越好 | $59.5M | $176.0M |
| 股东权益账面价值 | $850.7M | $880.7M |
| 总资产 | $7.1B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资CASHIPAR
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $137.1M | ||
| Q3 25 | $120.6M | $77.5M | ||
| Q2 25 | $258.3M | $53.9M | ||
| Q1 25 | $254.2M | $75.3M | ||
| Q4 24 | $597.4M | $109.3M | ||
| Q3 24 | $158.3M | $78.8M | ||
| Q2 24 | $298.9M | $37.7M |
总债务CASHIPAR
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $176.0M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $157.3M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHIPAR
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $880.7M | ||
| Q3 25 | $858.0M | $870.9M | ||
| Q2 25 | $819.0M | $839.4M | ||
| Q1 25 | $814.7M | $788.6M | ||
| Q4 24 | $758.3M | $744.9M | ||
| Q3 24 | $822.5M | $778.5M | ||
| Q2 24 | $748.4M | $717.1M |
总资产CASHIPAR
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.6B | ||
| Q3 25 | $7.2B | $1.6B | ||
| Q2 25 | $7.2B | $1.6B | ||
| Q1 25 | $7.0B | $1.4B | ||
| Q4 24 | $7.6B | $1.4B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.4B |
负债/权益比CASHIPAR
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.20× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.21× | ||
| 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 | — | $146.5M |
| 自由现金流经营现金流 - 资本支出 | — | $145.0M |
| 自由现金流率自由现金流/营收 | — | 37.5% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | — | 5.21× |
| 过去12个月自由现金流最近4个季度 | — | $190.5M |
8季度趋势，按日历期对齐
经营现金流CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $146.5M | ||
| Q3 25 | $303.7M | $63.9M | ||
| Q2 25 | $30.4M | $11.9M | ||
| Q1 25 | $188.3M | $-7.4M | ||
| Q4 24 | $-71.7M | $138.0M | ||
| Q3 24 | $143.1M | $76.1M | ||
| Q2 24 | $113.2M | $25.5M |
自由现金流CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $145.0M | ||
| Q3 25 | $300.3M | $57.6M | ||
| Q2 25 | $27.7M | $-3.3M | ||
| Q1 25 | $184.7M | $-8.8M | ||
| Q4 24 | $-73.8M | $136.1M | ||
| Q3 24 | $138.8M | $75.4M | ||
| Q2 24 | $111.0M | $24.4M |
自由现金流率CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 37.5% | ||
| Q3 25 | 160.9% | 13.4% | ||
| Q2 25 | 14.1% | -1.0% | ||
| Q1 25 | 67.2% | -2.6% | ||
| Q4 24 | -40.4% | 37.7% | ||
| Q3 24 | 77.3% | 17.8% | ||
| Q2 24 | 58.8% | 7.1% |
资本支出强度CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.4% | ||
| Q3 25 | 1.8% | 1.5% | ||
| Q2 25 | 1.4% | 4.5% | ||
| Q1 25 | 1.3% | 0.4% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.2% | ||
| Q2 24 | 1.2% | 0.3% |
现金转化率CASHIPAR
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 5.21× | ||
| Q3 25 | 7.83× | 0.97× | ||
| Q2 25 | 0.72× | 0.37× | ||
| Q1 25 | 2.51× | -0.17× | ||
| Q4 24 | -2.39× | 5.69× | ||
| Q3 24 | 4.27× | 1.22× | ||
| Q2 24 | 2.52× | 0.69× |
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% |
IPAR
| European Based Operations | $232.7M | 60% |
| United States Based Operations | $155.2M | 40% |
