vs
PATHWARD FINANCIAL, INC.（CASH）与KRONOS WORLDWIDE INC（KRO）财务数据对比。点击上方公司名可切换其他公司
KRONOS WORLDWIDE INC的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$418.3M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -19.8%，领先46.2%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -6.5%）
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。
克罗诺斯全球（原克罗诺斯公司）是一家美国跨国企业，总部位于美国马萨诸塞州洛厄尔，专注于提供劳动力管理与人力资本管理云服务，在全球拥有超过6000名员工，是该领域知名的服务提供商。
CASH vs KRO — 直观对比
营收规模更大
KRO
是对方的1.5倍
$276.3M
净利率更高
CASH
高出46.2%
-19.8%
两年增速更快
CASH
近两年复合增速
-6.5%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $418.3M |
| 净利润 | $72.9M | $-82.8M |
| 毛利率 | — | -0.9% |
| 营业利润率 | — | -15.1% |
| 净利率 | 26.4% | -19.8% |
| 营收同比 | — | -1.1% |
| 净利润同比 | — | -527.3% |
| 每股收益（稀释后） | $3.35 | $-0.72 |
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CASHKRO
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $418.3M | ||
| Q3 25 | $186.7M | $456.9M | ||
| Q2 25 | $195.8M | $494.4M | ||
| Q1 25 | $274.8M | $489.8M | ||
| Q4 24 | $182.6M | $423.1M | ||
| Q3 24 | $179.5M | $484.7M | ||
| Q2 24 | $188.6M | $500.5M |
净利润CASHKRO
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-82.8M | ||
| Q3 25 | $38.8M | $-37.0M | ||
| Q2 25 | $42.1M | $-9.2M | ||
| Q1 25 | $75.0M | $18.1M | ||
| Q4 24 | $30.0M | $-13.2M | ||
| Q3 24 | $33.5M | $71.8M | ||
| Q2 24 | $44.9M | $19.5M |
毛利率CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | — | -0.9% | ||
| Q3 25 | — | 10.3% | ||
| Q2 25 | — | 12.7% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 20.4% | ||
| Q3 24 | — | 20.9% | ||
| Q2 24 | — | 20.0% |
营业利润率CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -15.1% | ||
| Q3 25 | 25.9% | -4.2% | ||
| Q2 25 | 24.1% | 1.5% | ||
| Q1 25 | 33.2% | 7.8% | ||
| Q4 24 | 19.8% | 6.8% | ||
| Q3 24 | 20.9% | 8.0% | ||
| Q2 24 | 27.1% | 7.2% |
净利率CASHKRO
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -19.8% | ||
| Q3 25 | 20.8% | -8.1% | ||
| Q2 25 | 21.5% | -1.9% | ||
| Q1 25 | 27.3% | 3.7% | ||
| Q4 24 | 16.4% | -3.1% | ||
| Q3 24 | 18.7% | 14.8% | ||
| Q2 24 | 23.8% | 3.9% |
每股收益（稀释后）CASHKRO
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.72 | ||
| Q3 25 | $1.69 | $-0.32 | ||
| Q2 25 | $1.81 | $-0.08 | ||
| Q1 25 | $3.14 | $0.16 | ||
| Q4 24 | $1.23 | $-0.11 | ||
| Q3 24 | $1.34 | $0.62 | ||
| Q2 24 | $1.78 | $0.17 |
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 | $33.2M |
| 总债务越低越好 | $59.5M | $557.4M |
| 股东权益账面价值 | $850.7M | $751.1M |
| 总资产 | $7.1B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资CASHKRO
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $33.2M | ||
| Q3 25 | $120.6M | $27.7M | ||
| Q2 25 | $258.3M | $18.9M | ||
| Q1 25 | $254.2M | $20.5M | ||
| Q4 24 | $597.4M | $106.7M | ||
| Q3 24 | $158.3M | $94.8M | ||
| Q2 24 | $298.9M | $133.8M |
总债务CASHKRO
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $557.4M | ||
| Q3 25 | $33.5M | $626.2M | ||
| Q2 25 | $33.4M | $589.3M | ||
| Q1 25 | $33.4M | $557.2M | ||
| Q4 24 | $33.4M | $507.4M | ||
| Q3 24 | $33.4M | $554.3M | ||
| Q2 24 | $33.3M | $423.7M |
股东权益CASHKRO
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $751.1M | ||
| Q3 25 | $858.0M | $804.7M | ||
| Q2 25 | $819.0M | $846.8M | ||
| Q1 25 | $814.7M | $847.0M | ||
| Q4 24 | $758.3M | $817.0M | ||
| Q3 24 | $822.5M | $847.4M | ||
| Q2 24 | $748.4M | $774.6M |
总资产CASHKRO
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.8B | ||
| Q3 25 | $7.2B | $1.9B | ||
| Q2 25 | $7.2B | $1.9B | ||
| Q1 25 | $7.0B | $1.9B | ||
| Q4 24 | $7.6B | $1.9B | ||
| Q3 24 | $7.5B | $1.9B | ||
| Q2 24 | $7.5B | $1.7B |
负债/权益比CASHKRO
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.74× | ||
| Q3 25 | 0.04× | 0.78× | ||
| Q2 25 | 0.04× | 0.70× | ||
| Q1 25 | 0.04× | 0.66× | ||
| Q4 24 | 0.04× | 0.62× | ||
| Q3 24 | 0.04× | 0.65× | ||
| Q2 24 | 0.04× | 0.55× |
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 | — | $92.1M |
| 自由现金流经营现金流 - 资本支出 | — | $81.9M |
| 自由现金流率自由现金流/营收 | — | 19.6% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 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 | — | $-40.4M |
8季度趋势，按日历期对齐
经营现金流CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $92.1M | ||
| Q3 25 | $303.7M | $-7.9M | ||
| Q2 25 | $30.4M | $20.7M | ||
| Q1 25 | $188.3M | $-102.4M | ||
| Q4 24 | $-71.7M | $49.3M | ||
| Q3 24 | $143.1M | $28.3M | ||
| Q2 24 | $113.2M | $38.2M |
自由现金流CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $81.9M | ||
| Q3 25 | $300.3M | $-17.4M | ||
| Q2 25 | $27.7M | $9.5M | ||
| Q1 25 | $184.7M | $-114.4M | ||
| Q4 24 | $-73.8M | $37.0M | ||
| Q3 24 | $138.8M | $19.2M | ||
| Q2 24 | $111.0M | $34.8M |
自由现金流率CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 19.6% | ||
| Q3 25 | 160.9% | -3.8% | ||
| Q2 25 | 14.1% | 1.9% | ||
| Q1 25 | 67.2% | -23.4% | ||
| Q4 24 | -40.4% | 8.7% | ||
| Q3 24 | 77.3% | 4.0% | ||
| Q2 24 | 58.8% | 7.0% |
资本支出强度CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.4% | ||
| Q3 25 | 1.8% | 2.1% | ||
| Q2 25 | 1.4% | 2.3% | ||
| Q1 25 | 1.3% | 2.4% | ||
| Q4 24 | 1.1% | 2.9% | ||
| Q3 24 | 2.4% | 1.9% | ||
| Q2 24 | 1.2% | 0.7% |
现金转化率CASHKRO
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | -5.66× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 0.39× | ||
| Q2 24 | 2.52× | 1.96× |
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% |
KRO
暂无分部数据
