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PATHWARD FINANCIAL, INC.（CASH）与LANDS' END, INC.（LE）财务数据对比。点击上方公司名可切换其他公司
LANDS' END, INC.的季度营收约是PATHWARD FINANCIAL, INC.的1.1倍（$317.5M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 1.6%，领先24.8%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -0.9%）
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。
Lands' End是1963年诞生于美国芝加哥的服饰零售品牌，最初以邮购游艇用品起家，目前业务拓展至服饰、箱包与家居用品领域。截至2024年2月，品牌在美国本土共开设26家门店，总部位于威斯康星州道奇维尔。品牌名源自地名兰兹角，因创立时印刷错了撇号位置又无力重印，错拼的名称便沿用至今。
CASH vs LE — 直观对比
营收规模更大
LE
是对方的1.1倍
$276.3M
净利率更高
CASH
高出24.8%
1.6%
两年增速更快
CASH
近两年复合增速
-0.9%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $317.5M |
| 净利润 | $72.9M | $5.2M |
| 毛利率 | — | 51.8% |
| 营业利润率 | — | 5.3% |
| 净利率 | 26.4% | 1.6% |
| 营收同比 | — | 0.1% |
| 净利润同比 | — | 198.3% |
| 每股收益（稀释后） | $3.35 | $0.17 |
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CASHLE
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $317.5M | ||
| Q3 25 | $186.7M | — | ||
| Q2 25 | $195.8M | $261.2M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $318.6M | ||
| Q3 24 | $179.5M | $317.2M | ||
| Q2 24 | $188.6M | $285.5M |
净利润CASHLE
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $5.2M | ||
| Q3 25 | $38.8M | — | ||
| Q2 25 | $42.1M | $-8.3M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $-593.0K | ||
| Q3 24 | $33.5M | $-5.3M | ||
| Q2 24 | $44.9M | $-6.4M |
毛利率CASHLE
| Q1 26 | — | — | ||
| Q4 25 | — | 51.8% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 50.8% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 50.6% | ||
| Q3 24 | — | 47.9% | ||
| Q2 24 | — | 48.7% |
营业利润率CASHLE
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.3% | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | 24.1% | -0.9% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | 2.9% | ||
| Q3 24 | 20.9% | 0.8% | ||
| Q2 24 | 27.1% | 0.8% |
净利率CASHLE
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 1.6% | ||
| Q3 25 | 20.8% | — | ||
| Q2 25 | 21.5% | -3.2% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | -0.2% | ||
| Q3 24 | 18.7% | -1.7% | ||
| Q2 24 | 23.8% | -2.3% |
每股收益（稀释后）CASHLE
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.17 | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | $-0.27 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $-0.02 | ||
| Q3 24 | $1.34 | $-0.17 | ||
| Q2 24 | $1.78 | $-0.20 |
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 | $36.3M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $231.0M |
| 总资产 | $7.1B | $852.7M |
| 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CASHLE
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $36.3M | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | $18.1M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $30.4M | ||
| Q3 24 | $158.3M | $25.6M | ||
| Q2 24 | $298.9M | $27.4M |
总债务CASHLE
| 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CASHLE
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $231.0M | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $819.0M | $230.1M | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $223.6M | ||
| Q3 24 | $822.5M | $226.5M | ||
| Q2 24 | $748.4M | $234.6M |
总资产CASHLE
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $852.7M | ||
| Q3 25 | $7.2B | — | ||
| Q2 25 | $7.2B | $760.5M | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $843.6M | ||
| Q3 24 | $7.5B | $802.5M | ||
| Q2 24 | $7.5B | $800.1M |
负债/权益比CASHLE
| 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 | — | $-15.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.4M |
| 自由现金流率自由现金流/营收 | — | -7.1% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | -3.03× |
| 过去12个月自由现金流最近4个季度 | — | $-55.0M |
8季度趋势，按日历期对齐
经营现金流CASHLE
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-15.7M | ||
| Q3 25 | $303.7M | — | ||
| Q2 25 | $30.4M | $-22.5M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $-17.1M | ||
| Q3 24 | $143.1M | $30.7M | ||
| Q2 24 | $113.2M | $-25.8M |
自由现金流CASHLE
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-22.4M | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | $-30.7M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $-27.8M | ||
| Q3 24 | $138.8M | $26.0M | ||
| Q2 24 | $111.0M | $-32.6M |
自由现金流率CASHLE
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -7.1% | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | -11.8% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | -8.7% | ||
| Q3 24 | 77.3% | 8.2% | ||
| Q2 24 | 58.8% | -11.4% |
资本支出强度CASHLE
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.1% | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | 3.2% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 3.3% | ||
| Q3 24 | 2.4% | 1.5% | ||
| Q2 24 | 1.2% | 2.4% |
现金转化率CASHLE
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -3.03× | ||
| 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% |
LE
| U Se Commerce | $179.8M | 57% |
| Business Outfitters Revenue | $78.8M | 25% |
| Licensing And Retail | $20.2M | 6% |
| Other | $19.8M | 6% |
| Third Party | $18.9M | 6% |
