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PATHWARD FINANCIAL, INC.（CASH）与Lucid Group, Inc.（LCID）财务数据对比。点击上方公司名可切换其他公司
Lucid Group, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.9倍（$522.7M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -155.7%，领先182.1%），过去两年Lucid Group, Inc.的营收复合增速更高（74.0% vs 21.0%）
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。
Lucid Group, Inc.是总部位于美国加利福尼亚州纽瓦克的汽车科技企业，专注于电动汽车制造及先进电动汽车动力系统供应。2021年9月，公司在亚利桑那州卡萨格兰德的工厂开始生产Lucid Air豪华轿车，第二款车型Lucid Gravity SUV于2024年12月投产，同时也为阿斯顿·马丁等其他车企供应和研发动力总成技术。
CASH vs LCID — 直观对比
营收规模更大
LCID
是对方的1.9倍
$276.3M
净利率更高
CASH
高出182.1%
-155.7%
两年增速更快
LCID
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $522.7M |
| 净利润 | $72.9M | $-814.0M |
| 毛利率 | — | -80.7% |
| 营业利润率 | — | -203.7% |
| 净利率 | 26.4% | -155.7% |
| 营收同比 | — | 122.9% |
| 净利润同比 | — | -104.9% |
| 每股收益（稀释后） | $3.35 | $-8.26 |
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CASHLCID
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $522.7M | ||
| Q3 25 | $186.7M | $336.6M | ||
| Q2 25 | $195.8M | $259.4M | ||
| Q1 25 | $274.8M | $235.0M | ||
| Q4 24 | $182.6M | $234.5M | ||
| Q3 24 | $179.5M | $200.0M | ||
| Q2 24 | $188.6M | $200.6M |
净利润CASHLCID
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-814.0M | ||
| Q3 25 | $38.8M | $-978.4M | ||
| Q2 25 | $42.1M | $-539.4M | ||
| Q1 25 | $75.0M | $-366.2M | ||
| Q4 24 | $30.0M | $-397.2M | ||
| Q3 24 | $33.5M | $-992.5M | ||
| Q2 24 | $44.9M | $-643.4M |
毛利率CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | — | -80.7% | ||
| Q3 25 | — | -99.1% | ||
| Q2 25 | — | -105.0% | ||
| Q1 25 | — | -97.2% | ||
| Q4 24 | — | -89.0% | ||
| Q3 24 | — | -106.2% | ||
| Q2 24 | — | -134.5% |
营业利润率CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -203.7% | ||
| Q3 25 | 25.9% | -279.9% | ||
| Q2 25 | 24.1% | -309.5% | ||
| Q1 25 | 33.2% | -294.4% | ||
| Q4 24 | 19.8% | -312.6% | ||
| Q3 24 | 20.9% | -385.2% | ||
| Q2 24 | 27.1% | -392.6% |
净利率CASHLCID
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -155.7% | ||
| Q3 25 | 20.8% | -290.7% | ||
| Q2 25 | 21.5% | -207.9% | ||
| Q1 25 | 27.3% | -155.8% | ||
| Q4 24 | 16.4% | -169.4% | ||
| Q3 24 | 18.7% | -496.1% | ||
| Q2 24 | 23.8% | -320.8% |
每股收益（稀释后）CASHLCID
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-8.26 | ||
| Q3 25 | $1.69 | $-3.31 | ||
| Q2 25 | $1.81 | $-0.28 | ||
| Q1 25 | $3.14 | $-0.24 | ||
| Q4 24 | $1.23 | $-0.20 | ||
| Q3 24 | $1.34 | $-0.41 | ||
| Q2 24 | $1.78 | $-0.34 |
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 | $1.6B |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $717.3M |
| 总资产 | $7.1B | $8.4B |
| 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CASHLCID
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $1.6B | ||
| Q3 25 | $120.6M | $2.3B | ||
| Q2 25 | $258.3M | $2.8B | ||
| Q1 25 | $254.2M | $3.6B | ||
| Q4 24 | $597.4M | $4.0B | ||
| Q3 24 | $158.3M | $3.5B | ||
| Q2 24 | $298.9M | $3.2B |
总债务CASHLCID
| 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CASHLCID
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $717.3M | ||
| Q3 25 | $858.0M | $1.8B | ||
| Q2 25 | $819.0M | $2.4B | ||
| Q1 25 | $814.7M | $3.2B | ||
| Q4 24 | $758.3M | $3.9B | ||
| Q3 24 | $822.5M | $2.7B | ||
| Q2 24 | $748.4M | $3.5B |
总资产CASHLCID
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $8.4B | ||
| Q3 25 | $7.2B | $8.8B | ||
| Q2 25 | $7.2B | $8.9B | ||
| Q1 25 | $7.0B | $9.2B | ||
| Q4 24 | $7.6B | $9.6B | ||
| Q3 24 | $7.5B | $8.5B | ||
| Q2 24 | $7.5B | $8.2B |
负债/权益比CASHLCID
| 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 | — | $-916.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.2B |
| 自由现金流率自由现金流/营收 | — | -237.6% |
| 资本支出强度资本支出/营收 | — | 62.3% |
| 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 | — | $-3.8B |
8季度趋势，按日历期对齐
经营现金流CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-916.4M | ||
| Q3 25 | $303.7M | $-756.6M | ||
| Q2 25 | $30.4M | $-830.2M | ||
| Q1 25 | $188.3M | $-428.6M | ||
| Q4 24 | $-71.7M | $-533.1M | ||
| Q3 24 | $143.1M | $-462.8M | ||
| Q2 24 | $113.2M | $-507.0M |
自由现金流CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-1.2B | ||
| Q3 25 | $300.3M | $-955.5M | ||
| Q2 25 | $27.7M | $-1.0B | ||
| Q1 25 | $184.7M | $-589.9M | ||
| Q4 24 | $-73.8M | $-824.8M | ||
| Q3 24 | $138.8M | $-622.5M | ||
| Q2 24 | $111.0M | $-741.3M |
自由现金流率CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -237.6% | ||
| Q3 25 | 160.9% | -283.9% | ||
| Q2 25 | 14.1% | -390.4% | ||
| Q1 25 | 67.2% | -251.0% | ||
| Q4 24 | -40.4% | -351.8% | ||
| Q3 24 | 77.3% | -311.2% | ||
| Q2 24 | 58.8% | -369.6% |
资本支出强度CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 62.3% | ||
| Q3 25 | 1.8% | 59.1% | ||
| Q2 25 | 1.4% | 70.4% | ||
| Q1 25 | 1.3% | 68.6% | ||
| Q4 24 | 1.1% | 124.4% | ||
| Q3 24 | 2.4% | 79.8% | ||
| Q2 24 | 1.2% | 116.8% |
现金转化率CASHLCID
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — |
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% |
LCID
| LCNRV | $287.2M | 55% |
| Other | $80.4M | 15% |
| Related Party | $74.4M | 14% |
| Regulatory Credits | $34.2M | 7% |
| Warranty Provision | $26.2M | 5% |
| Sale And Leaseback Transactions | $15.2M | 3% |
| Other International | $5.0M | 1% |
