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PATHWARD FINANCIAL, INC.（CASH）与Life360, Inc.（LIF）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Life360, Inc.的1.9倍（$276.3M vs $146.0M），Life360, Inc.净利率更高（88.8% vs 26.4%，领先62.4%），过去两年Life360, Inc.的营收复合增速更高（36.6% 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。
Life360是一家主打家庭安全与互联服务的科技企业，核心产品涵盖实时位置共享、紧急求助预警、驾驶行为分析及身份防盗保护服务，主要面向北美、欧洲、亚太消费市场，营收大多来自其分级付费订阅套餐。
CASH vs LIF — 直观对比
营收规模更大
CASH
是对方的1.9倍
$146.0M
净利率更高
LIF
高出62.4%
26.4%
两年增速更快
LIF
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $146.0M |
| 净利润 | $72.9M | $129.7M |
| 毛利率 | — | 75.1% |
| 营业利润率 | — | 6.1% |
| 净利率 | 26.4% | 88.8% |
| 营收同比 | — | 26.4% |
| 净利润同比 | — | 1425.9% |
| 每股收益（稀释后） | $3.35 | $1.53 |
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CASHLIF
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $146.0M | ||
| Q3 25 | $186.7M | $124.5M | ||
| Q2 25 | $195.8M | $115.4M | ||
| Q1 25 | $274.8M | $103.6M | ||
| Q4 24 | $182.6M | $115.5M | ||
| Q3 24 | $179.5M | $92.9M | ||
| Q2 24 | $188.6M | $84.9M |
净利润CASHLIF
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $129.7M | ||
| Q3 25 | $38.8M | $9.8M | ||
| Q2 25 | $42.1M | $7.0M | ||
| Q1 25 | $75.0M | $4.4M | ||
| Q4 24 | $30.0M | $8.5M | ||
| Q3 24 | $33.5M | $7.7M | ||
| Q2 24 | $44.9M | $-11.0M |
毛利率CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | — | 75.1% | ||
| Q3 25 | — | 78.0% | ||
| Q2 25 | — | 78.4% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 75.4% | ||
| Q2 24 | — | 75.0% |
营业利润率CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 6.1% | ||
| Q3 25 | 25.9% | 4.6% | ||
| Q2 25 | 24.1% | 1.7% | ||
| Q1 25 | 33.2% | 2.1% | ||
| Q4 24 | 19.8% | 4.9% | ||
| Q3 24 | 20.9% | -5.3% | ||
| Q2 24 | 27.1% | -2.8% |
净利率CASHLIF
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 88.8% | ||
| Q3 25 | 20.8% | 7.9% | ||
| Q2 25 | 21.5% | 6.1% | ||
| Q1 25 | 27.3% | 4.2% | ||
| Q4 24 | 16.4% | 7.4% | ||
| Q3 24 | 18.7% | 8.3% | ||
| Q2 24 | 23.8% | -12.9% |
每股收益（稀释后）CASHLIF
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.53 | ||
| Q3 25 | $1.69 | $0.11 | ||
| Q2 25 | $1.81 | $0.08 | ||
| Q1 25 | $3.14 | $0.05 | ||
| Q4 24 | $1.23 | $0.14 | ||
| Q3 24 | $1.34 | $0.09 | ||
| Q2 24 | $1.78 | $-0.15 |
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 | $494.3M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $548.2M |
| 总资产 | $7.1B | $959.7M |
| 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CASHLIF
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $494.3M | ||
| Q3 25 | $120.6M | $455.7M | ||
| Q2 25 | $258.3M | $432.7M | ||
| Q1 25 | $254.2M | $168.9M | ||
| Q4 24 | $597.4M | $159.2M | ||
| Q3 24 | $158.3M | $159.0M | ||
| Q2 24 | $298.9M | $160.8M |
总债务CASHLIF
| 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CASHLIF
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $548.2M | ||
| Q3 25 | $858.0M | $391.4M | ||
| Q2 25 | $819.0M | $366.7M | ||
| Q1 25 | $814.7M | $376.3M | ||
| Q4 24 | $758.3M | $358.5M | ||
| Q3 24 | $822.5M | $339.7M | ||
| Q2 24 | $748.4M | $326.7M |
总资产CASHLIF
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $959.7M | ||
| Q3 25 | $7.2B | $787.5M | ||
| Q2 25 | $7.2B | $753.6M | ||
| Q1 25 | $7.0B | $455.4M | ||
| Q4 24 | $7.6B | $441.6M | ||
| Q3 24 | $7.5B | $427.4M | ||
| Q2 24 | $7.5B | $405.9M |
负债/权益比CASHLIF
| 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 | — | $36.8M |
| 自由现金流经营现金流 - 资本支出 | — | $36.6M |
| 自由现金流率自由现金流/营收 | — | 25.1% |
| 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 | — | 0.28× |
| 过去12个月自由现金流最近4个季度 | — | $86.8M |
8季度趋势，按日历期对齐
经营现金流CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $36.8M | ||
| Q3 25 | $303.7M | $26.4M | ||
| Q2 25 | $30.4M | $13.3M | ||
| Q1 25 | $188.3M | $12.1M | ||
| Q4 24 | $-71.7M | $12.3M | ||
| Q3 24 | $143.1M | $6.3M | ||
| Q2 24 | $113.2M | $3.3M |
自由现金流CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $36.6M | ||
| Q3 25 | $300.3M | $25.6M | ||
| Q2 25 | $27.7M | $12.7M | ||
| Q1 25 | $184.7M | $11.9M | ||
| Q4 24 | $-73.8M | $11.2M | ||
| Q3 24 | $138.8M | $6.3M | ||
| Q2 24 | $111.0M | $3.2M |
自由现金流率CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 25.1% | ||
| Q3 25 | 160.9% | 20.6% | ||
| Q2 25 | 14.1% | 11.0% | ||
| Q1 25 | 67.2% | 11.5% | ||
| Q4 24 | -40.4% | 9.7% | ||
| Q3 24 | 77.3% | 6.8% | ||
| Q2 24 | 58.8% | 3.8% |
资本支出强度CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.2% | ||
| Q3 25 | 1.8% | 0.6% | ||
| Q2 25 | 1.4% | 0.6% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 1.1% | 1.0% | ||
| Q3 24 | 2.4% | 0.0% | ||
| Q2 24 | 1.2% | 0.1% |
现金转化率CASHLIF
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.28× | ||
| Q3 25 | 7.83× | 2.70× | ||
| Q2 25 | 0.72× | 1.90× | ||
| Q1 25 | 2.51× | 2.75× | ||
| Q4 24 | -2.39× | 1.45× | ||
| Q3 24 | 4.27× | 0.83× | ||
| 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% |
LIF
暂无分部数据
