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PATHWARD FINANCIAL, INC.（CASH）与iRhythm Holdings, Inc.（IRTC）财务数据对比。点击上方公司名可切换其他公司
iRhythm Holdings, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.2倍（$208.9M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 2.7%，领先17.6%），iRhythm Holdings, Inc.同比增速更快（27.1% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $14.5M），过去两年iRhythm Holdings, Inc.的营收复合增速更高（25.8% vs -18.0%）
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。
iRhythm Holdings是一家专注于心脏护理领域的数字医疗企业，开发可穿戴动态心脏监测设备及配套AI分析工具，主要服务美国市场的医疗机构与患者，帮助检测房颤等心律异常病症，为临床诊断提供可靠的数据支持。
CASH vs IRTC — 直观对比
营收规模更大
IRTC
是对方的1.2倍
$173.1M
营收增速更快
IRTC
高出27.4%
-0.2%
净利率更高
CASH
高出17.6%
2.7%
自由现金流更多
CASH
多$89.6M
$14.5M
两年增速更快
IRTC
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $208.9M |
| 净利润 | $35.2M | $5.6M |
| 毛利率 | — | 70.9% |
| 营业利润率 | 24.6% | 1.1% |
| 净利率 | 20.3% | 2.7% |
| 营收同比 | -0.2% | 27.1% |
| 净利润同比 | 11.9% | 518.5% |
| 每股收益（稀释后） | $1.57 | $0.18 |
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CASHIRTC
| Q4 25 | $173.1M | $208.9M | ||
| Q3 25 | $186.7M | $192.9M | ||
| Q2 25 | $195.8M | $186.7M | ||
| Q1 25 | $274.8M | $158.7M | ||
| Q4 24 | $182.6M | $164.3M | ||
| Q3 24 | $179.5M | $147.5M | ||
| Q2 24 | $188.6M | $148.0M | ||
| Q1 24 | $257.6M | $131.9M |
净利润CASHIRTC
| Q4 25 | $35.2M | $5.6M | ||
| Q3 25 | $38.8M | $-5.2M | ||
| Q2 25 | $42.1M | $-14.2M | ||
| Q1 25 | $75.0M | $-30.7M | ||
| Q4 24 | $30.0M | $-1.3M | ||
| Q3 24 | $33.5M | $-46.2M | ||
| Q2 24 | $44.9M | $-20.1M | ||
| Q1 24 | $69.9M | $-45.7M |
毛利率CASHIRTC
| Q4 25 | — | 70.9% | ||
| Q3 25 | — | 71.1% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 68.8% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | — | 68.8% | ||
| Q2 24 | — | 69.9% | ||
| Q1 24 | — | 66.3% |
营业利润率CASHIRTC
| Q4 25 | 24.6% | 1.1% | ||
| Q3 25 | 25.9% | -4.4% | ||
| Q2 25 | 24.1% | -10.0% | ||
| Q1 25 | 33.2% | -20.5% | ||
| Q4 24 | 19.8% | -2.5% | ||
| Q3 24 | 20.9% | -34.1% | ||
| Q2 24 | 27.1% | -15.5% | ||
| Q1 24 | 33.8% | -28.9% |
净利率CASHIRTC
| Q4 25 | 20.3% | 2.7% | ||
| Q3 25 | 20.8% | -2.7% | ||
| Q2 25 | 21.5% | -7.6% | ||
| Q1 25 | 27.3% | -19.3% | ||
| Q4 24 | 16.4% | -0.8% | ||
| Q3 24 | 18.7% | -31.3% | ||
| Q2 24 | 23.8% | -13.6% | ||
| Q1 24 | 27.1% | -34.6% |
每股收益（稀释后）CASHIRTC
| Q4 25 | $1.57 | $0.18 | ||
| Q3 25 | $1.69 | $-0.16 | ||
| Q2 25 | $1.81 | $-0.44 | ||
| Q1 25 | $3.14 | $-0.97 | ||
| Q4 24 | $1.23 | $-0.03 | ||
| Q3 24 | $1.34 | $-1.48 | ||
| Q2 24 | $1.78 | $-0.65 | ||
| Q1 24 | $2.74 | $-1.47 |
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 | $331.2M | $583.8M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $152.7M |
| 总资产 | $7.6B | $1.0B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHIRTC
| Q4 25 | $331.2M | $583.8M | ||
| Q3 25 | $120.6M | $565.2M | ||
| Q2 25 | $258.3M | $545.5M | ||
| Q1 25 | $254.2M | $520.6M | ||
| Q4 24 | $597.4M | $535.6M | ||
| Q3 24 | $158.3M | $522.0M | ||
| Q2 24 | $298.9M | $561.5M | ||
| Q1 24 | $347.9M | $569.1M |
总债务CASHIRTC
| 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 | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHIRTC
| Q4 25 | $854.5M | $152.7M | ||
| Q3 25 | $858.0M | $121.9M | ||
| Q2 25 | $819.0M | $103.7M | ||
| Q1 25 | $814.7M | $86.7M | ||
| Q4 24 | $758.3M | $90.9M | ||
| Q3 24 | $822.5M | $71.8M | ||
| Q2 24 | $748.4M | $99.2M | ||
| Q1 24 | $719.5M | $90.3M |
总资产CASHIRTC
| Q4 25 | $7.6B | $1.0B | ||
| Q3 25 | $7.2B | $995.2M | ||
| Q2 25 | $7.2B | $964.0M | ||
| Q1 25 | $7.0B | $926.1M | ||
| Q4 24 | $7.6B | $931.4M | ||
| Q3 24 | $7.5B | $909.7M | ||
| Q2 24 | $7.5B | $919.2M | ||
| Q1 24 | $7.4B | $909.8M |
负债/权益比CASHIRTC
| 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× | — | ||
| Q1 24 | 0.05× | — |
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 | $108.3M | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $14.5M |
| 自由现金流率自由现金流/营收 | 60.1% | 6.9% |
| 资本支出强度资本支出/营收 | 2.4% | 5.6% |
| 现金转化率经营现金流/净利润 | 3.08× | 4.70× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $34.5M |
8季度趋势，按日历期对齐
经营现金流CASHIRTC
| Q4 25 | $108.3M | $26.2M | ||
| Q3 25 | $303.7M | $34.9M | ||
| Q2 25 | $30.4M | $27.7M | ||
| Q1 25 | $188.3M | $-7.9M | ||
| Q4 24 | $-71.7M | $19.2M | ||
| Q3 24 | $143.1M | $24.3M | ||
| Q2 24 | $113.2M | $11.8M | ||
| Q1 24 | $203.0M | $-52.0M |
自由现金流CASHIRTC
| Q4 25 | $104.1M | $14.5M | ||
| Q3 25 | $300.3M | $20.1M | ||
| Q2 25 | $27.7M | $17.3M | ||
| Q1 25 | $184.7M | $-17.3M | ||
| Q4 24 | $-73.8M | $12.4M | ||
| Q3 24 | $138.8M | $15.5M | ||
| Q2 24 | $111.0M | $3.4M | ||
| Q1 24 | $201.3M | $-61.8M |
自由现金流率CASHIRTC
| Q4 25 | 60.1% | 6.9% | ||
| Q3 25 | 160.9% | 10.4% | ||
| Q2 25 | 14.1% | 9.3% | ||
| Q1 25 | 67.2% | -10.9% | ||
| Q4 24 | -40.4% | 7.5% | ||
| Q3 24 | 77.3% | 10.5% | ||
| Q2 24 | 58.8% | 2.3% | ||
| Q1 24 | 78.1% | -46.8% |
资本支出强度CASHIRTC
| Q4 25 | 2.4% | 5.6% | ||
| Q3 25 | 1.8% | 7.7% | ||
| Q2 25 | 1.4% | 5.6% | ||
| Q1 25 | 1.3% | 5.9% | ||
| Q4 24 | 1.1% | 4.2% | ||
| Q3 24 | 2.4% | 6.0% | ||
| Q2 24 | 1.2% | 5.7% | ||
| Q1 24 | 0.7% | 7.4% |
现金转化率CASHIRTC
| Q4 25 | 3.08× | 4.70× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | — |
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
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
IRTC
| Commercial Payors | $111.7M | 53% |
| Centers For Medicare And Medicaid | $49.2M | 24% |
| Healthcare Institutions | $34.3M | 16% |
| Non Contracted Third Party Payors | $13.7M | 7% |
