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PATHWARD FINANCIAL, INC.（CASH）与Karat Packaging Inc.（KRT）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Karat Packaging Inc.的2.4倍（$276.3M vs $115.6M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 5.9%，领先20.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 10.0%）
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。
Karat Packaging Inc.是专业一次性餐饮包装产品生产商及分销商，产品涵盖纸塑杯、食品容器、餐具、杯盖及定制品牌包装方案，主要服务北美地区的连锁餐厅、咖啡馆、餐饮服务商及零售食品客户。
CASH vs KRT — 直观对比
营收规模更大
CASH
是对方的2.4倍
$115.6M
净利率更高
CASH
高出20.5%
5.9%
两年增速更快
CASH
近两年复合增速
10.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $115.6M |
| 净利润 | $72.9M | $6.8M |
| 毛利率 | — | 34.0% |
| 营业利润率 | — | 7.3% |
| 净利率 | 26.4% | 5.9% |
| 营收同比 | — | 13.7% |
| 净利润同比 | — | 21.3% |
| 每股收益（稀释后） | $3.35 | $0.34 |
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CASHKRT
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $115.6M | ||
| Q3 25 | $186.7M | $124.5M | ||
| Q2 25 | $195.8M | $124.0M | ||
| Q1 25 | $274.8M | $103.6M | ||
| Q4 24 | $182.6M | $101.6M | ||
| Q3 24 | $179.5M | $112.8M | ||
| Q2 24 | $188.6M | $112.6M |
净利润CASHKRT
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $6.8M | ||
| Q3 25 | $38.8M | $7.3M | ||
| Q2 25 | $42.1M | $10.9M | ||
| Q1 25 | $75.0M | $6.4M | ||
| Q4 24 | $30.0M | $5.6M | ||
| Q3 24 | $33.5M | $9.1M | ||
| Q2 24 | $44.9M | $9.1M |
毛利率CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 34.5% | ||
| Q2 25 | — | 39.6% | ||
| Q1 25 | — | 39.3% | ||
| Q4 24 | — | 39.2% | ||
| Q3 24 | — | 38.6% | ||
| Q2 24 | — | 38.5% |
营业利润率CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 7.3% | ||
| Q3 25 | 25.9% | 6.9% | ||
| Q2 25 | 24.1% | 13.3% | ||
| Q1 25 | 33.2% | 7.5% | ||
| Q4 24 | 19.8% | 7.2% | ||
| Q3 24 | 20.9% | 10.0% | ||
| Q2 24 | 27.1% | 9.9% |
净利率CASHKRT
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 5.9% | ||
| Q3 25 | 20.8% | 5.9% | ||
| Q2 25 | 21.5% | 8.8% | ||
| Q1 25 | 27.3% | 6.2% | ||
| Q4 24 | 16.4% | 5.5% | ||
| Q3 24 | 18.7% | 8.1% | ||
| Q2 24 | 23.8% | 8.1% |
每股收益（稀释后）CASHKRT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.34 | ||
| Q3 25 | $1.69 | $0.36 | ||
| Q2 25 | $1.81 | $0.54 | ||
| Q1 25 | $3.14 | $0.32 | ||
| Q4 24 | $1.23 | $0.28 | ||
| Q3 24 | $1.34 | $0.45 | ||
| Q2 24 | $1.78 | $0.45 |
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 | $37.9M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $149.4M |
| 总资产 | $7.1B | $287.7M |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHKRT
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $37.9M | ||
| Q3 25 | $120.6M | $44.0M | ||
| Q2 25 | $258.3M | $57.0M | ||
| Q1 25 | $254.2M | $56.3M | ||
| Q4 24 | $597.4M | $59.9M | ||
| Q3 24 | $158.3M | $60.4M | ||
| Q2 24 | $298.9M | $52.1M |
总债务CASHKRT
| Q1 26 | $59.5M | — | ||
| 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 | — |
股东权益CASHKRT
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $149.4M | ||
| Q3 25 | $858.0M | $154.5M | ||
| Q2 25 | $819.0M | $155.8M | ||
| Q1 25 | $814.7M | $153.3M | ||
| Q4 24 | $758.3M | $155.6M | ||
| Q3 24 | $822.5M | $157.3M | ||
| Q2 24 | $748.4M | $157.7M |
总资产CASHKRT
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $287.7M | ||
| Q3 25 | $7.2B | $302.8M | ||
| Q2 25 | $7.2B | $321.0M | ||
| Q1 25 | $7.0B | $312.2M | ||
| Q4 24 | $7.6B | $294.5M | ||
| Q3 24 | $7.5B | $306.8M | ||
| Q2 24 | $7.5B | $310.7M |
负债/权益比CASHKRT
| Q1 26 | 0.07× | — | ||
| 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× | — |
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 | — | $15.4M |
| 自由现金流经营现金流 - 资本支出 | — | $15.1M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 现金转化率经营现金流/净利润 | — | 2.26× |
| 过去12个月自由现金流最近4个季度 | — | $33.1M |
8季度趋势，按日历期对齐
经营现金流CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $15.4M | ||
| Q3 25 | $303.7M | $982.0K | ||
| Q2 25 | $30.4M | $9.8M | ||
| Q1 25 | $188.3M | $7.7M | ||
| Q4 24 | $-71.7M | $8.3M | ||
| Q3 24 | $143.1M | $19.5M | ||
| Q2 24 | $113.2M | $13.7M |
自由现金流CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $15.1M | ||
| Q3 25 | $300.3M | $736.0K | ||
| Q2 25 | $27.7M | $9.6M | ||
| Q1 25 | $184.7M | $7.6M | ||
| Q4 24 | $-73.8M | $8.0M | ||
| Q3 24 | $138.8M | $19.2M | ||
| Q2 24 | $111.0M | $13.4M |
自由现金流率CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 13.1% | ||
| Q3 25 | 160.9% | 0.6% | ||
| Q2 25 | 14.1% | 7.7% | ||
| Q1 25 | 67.2% | 7.4% | ||
| Q4 24 | -40.4% | 7.9% | ||
| Q3 24 | 77.3% | 17.0% | ||
| Q2 24 | 58.8% | 11.9% |
资本支出强度CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.2% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 1.4% | 0.1% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 0.2% |
现金转化率CASHKRT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 2.26× | ||
| Q3 25 | 7.83× | 0.13× | ||
| Q2 25 | 0.72× | 0.89× | ||
| Q1 25 | 2.51× | 1.21× | ||
| Q4 24 | -2.39× | 1.47× | ||
| Q3 24 | 4.27× | 2.14× | ||
| Q2 24 | 2.52× | 1.50× |
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% |
KRT
暂无分部数据
