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PATHWARD FINANCIAL, INC.（CASH）与LifeStance Health Group, Inc.（LFST）财务数据对比。点击上方公司名可切换其他公司
LifeStance Health Group, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$382.2M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 3.1%，领先23.3%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 12.8%）
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。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
CASH vs LFST — 直观对比
营收规模更大
LFST
是对方的1.4倍
$276.3M
净利率更高
CASH
高出23.3%
3.1%
两年增速更快
CASH
近两年复合增速
12.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $382.2M |
| 净利润 | $72.9M | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 4.7% |
| 净利率 | 26.4% | 3.1% |
| 营收同比 | — | 17.4% |
| 净利润同比 | — | 264.1% |
| 每股收益（稀释后） | $3.35 | — |
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CASHLFST
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $382.2M | ||
| Q3 25 | $186.7M | $363.8M | ||
| Q2 25 | $195.8M | $345.3M | ||
| Q1 25 | $274.8M | $333.0M | ||
| Q4 24 | $182.6M | $325.5M | ||
| Q3 24 | $179.5M | $312.7M | ||
| Q2 24 | $188.6M | $312.3M |
净利润CASHLFST
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $11.7M | ||
| Q3 25 | $38.8M | $1.1M | ||
| Q2 25 | $42.1M | $-3.8M | ||
| Q1 25 | $75.0M | $709.0K | ||
| Q4 24 | $30.0M | $-7.1M | ||
| Q3 24 | $33.5M | $-6.0M | ||
| Q2 24 | $44.9M | $-23.3M |
营业利润率CASHLFST
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 4.7% | ||
| Q3 25 | 25.9% | 2.0% | ||
| Q2 25 | 24.1% | -0.9% | ||
| Q1 25 | 33.2% | 0.5% | ||
| Q4 24 | 19.8% | 0.3% | ||
| Q3 24 | 20.9% | 0.0% | ||
| Q2 24 | 27.1% | -5.1% |
净利率CASHLFST
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 3.1% | ||
| Q3 25 | 20.8% | 0.3% | ||
| Q2 25 | 21.5% | -1.1% | ||
| Q1 25 | 27.3% | 0.2% | ||
| Q4 24 | 16.4% | -2.2% | ||
| Q3 24 | 18.7% | -1.9% | ||
| Q2 24 | 23.8% | -7.5% |
每股收益（稀释后）CASHLFST
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | — |
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 | $248.6M |
| 总债务越低越好 | $59.5M | $282.8M |
| 股东权益账面价值 | $850.7M | $1.5B |
| 总资产 | $7.1B | $2.2B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资CASHLFST
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $248.6M | ||
| Q3 25 | $120.6M | $203.9M | ||
| Q2 25 | $258.3M | $188.9M | ||
| Q1 25 | $254.2M | $134.3M | ||
| Q4 24 | $597.4M | $154.6M | ||
| Q3 24 | $158.3M | $102.6M | ||
| Q2 24 | $298.9M | $87.0M |
总债务CASHLFST
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $282.8M | ||
| Q3 25 | $33.5M | $284.6M | ||
| Q2 25 | $33.4M | $286.4M | ||
| Q1 25 | $33.4M | $288.2M | ||
| Q4 24 | $33.4M | $290.0M | ||
| Q3 24 | $33.4M | $287.3M | ||
| Q2 24 | $33.3M | $288.0M |
股东权益CASHLFST
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.5B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $819.0M | $1.5B | ||
| Q1 25 | $814.7M | $1.5B | ||
| Q4 24 | $758.3M | $1.4B | ||
| Q3 24 | $822.5M | $1.4B | ||
| Q2 24 | $748.4M | $1.4B |
总资产CASHLFST
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.2B | ||
| Q3 25 | $7.2B | $2.1B | ||
| Q2 25 | $7.2B | $2.1B | ||
| Q1 25 | $7.0B | $2.1B | ||
| Q4 24 | $7.6B | $2.1B | ||
| Q3 24 | $7.5B | $2.1B | ||
| Q2 24 | $7.5B | $2.1B |
负债/权益比CASHLFST
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.19× | ||
| Q3 25 | 0.04× | 0.19× | ||
| Q2 25 | 0.04× | 0.19× | ||
| Q1 25 | 0.04× | 0.20× | ||
| Q4 24 | 0.04× | 0.20× | ||
| Q3 24 | 0.04× | 0.20× | ||
| Q2 24 | 0.04× | 0.20× |
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 | — | $57.6M |
| 自由现金流经营现金流 - 资本支出 | — | $46.6M |
| 自由现金流率自由现金流/营收 | — | 12.2% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 现金转化率经营现金流/净利润 | — | 4.93× |
| 过去12个月自由现金流最近4个季度 | — | $110.0M |
8季度趋势，按日历期对齐
经营现金流CASHLFST
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $57.6M | ||
| Q3 25 | $303.7M | $27.3M | ||
| Q2 25 | $30.4M | $64.4M | ||
| Q1 25 | $188.3M | $-3.1M | ||
| Q4 24 | $-71.7M | $62.3M | ||
| Q3 24 | $143.1M | $22.7M | ||
| Q2 24 | $113.2M | $44.1M |
自由现金流CASHLFST
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $46.6M | ||
| Q3 25 | $300.3M | $17.0M | ||
| Q2 25 | $27.7M | $56.6M | ||
| Q1 25 | $184.7M | $-10.3M | ||
| Q4 24 | $-73.8M | $56.0M | ||
| Q3 24 | $138.8M | $17.7M | ||
| Q2 24 | $111.0M | $39.0M |
自由现金流率CASHLFST
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 12.2% | ||
| Q3 25 | 160.9% | 4.7% | ||
| Q2 25 | 14.1% | 16.4% | ||
| Q1 25 | 67.2% | -3.1% | ||
| Q4 24 | -40.4% | 17.2% | ||
| Q3 24 | 77.3% | 5.7% | ||
| Q2 24 | 58.8% | 12.5% |
资本支出强度CASHLFST
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.9% | ||
| Q3 25 | 1.8% | 2.8% | ||
| Q2 25 | 1.4% | 2.2% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 1.1% | 1.9% | ||
| Q3 24 | 2.4% | 1.6% | ||
| Q2 24 | 1.2% | 1.6% |
现金转化率CASHLFST
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 4.93× | ||
| Q3 25 | 7.83× | 25.34× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | -4.36× | ||
| 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% |
LFST
暂无分部数据
