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PATHWARD FINANCIAL, INC.（CASH）与Mativ Holdings, Inc.（MATV）财务数据对比。点击上方公司名可切换其他公司
Mativ Holdings, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.7倍（$463.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 21.8%，领先4.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -3.8%）
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。
Mativ Holdings是一家全球特种材料制造商，主要生产高性能先进聚合物、无纺布、过滤解决方案及功能性涂层材料，服务医疗、工业、消费品、航空航天、能源等领域，业务遍及北美、欧洲及亚太地区。
CASH vs MATV — 直观对比
营收规模更大
MATV
是对方的1.7倍
$276.3M
净利率更高
CASH
高出4.6%
21.8%
两年增速更快
CASH
近两年复合增速
-3.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $463.1M |
| 净利润 | $72.9M | $100.8M |
| 毛利率 | — | 18.8% |
| 营业利润率 | — | 2.2% |
| 净利率 | 26.4% | 21.8% |
| 营收同比 | — | 1.0% |
| 净利润同比 | — | 6620.0% |
| 每股收益（稀释后） | $3.35 | $1.87 |
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CASHMATV
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $463.1M | ||
| Q3 25 | $186.7M | $513.7M | ||
| Q2 25 | $195.8M | $525.4M | ||
| Q1 25 | $274.8M | $484.8M | ||
| Q4 24 | $182.6M | $458.6M | ||
| Q3 24 | $179.5M | $498.5M | ||
| Q2 24 | $188.6M | $523.8M |
净利润CASHMATV
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $100.8M | ||
| Q3 25 | $38.8M | $-3.2M | ||
| Q2 25 | $42.1M | $-9.5M | ||
| Q1 25 | $75.0M | $-425.5M | ||
| Q4 24 | $30.0M | $1.5M | ||
| Q3 24 | $33.5M | $-20.8M | ||
| Q2 24 | $44.9M | $-1.4M |
毛利率CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 19.3% | ||
| Q2 25 | — | 19.7% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 16.9% | ||
| Q3 24 | — | 18.8% | ||
| Q2 24 | — | 20.8% |
营业利润率CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 2.2% | ||
| Q3 25 | 25.9% | 3.1% | ||
| Q2 25 | 24.1% | 3.8% | ||
| Q1 25 | 33.2% | -88.8% | ||
| Q4 24 | 19.8% | 0.6% | ||
| Q3 24 | 20.9% | 1.4% | ||
| Q2 24 | 27.1% | 2.0% |
净利率CASHMATV
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 21.8% | ||
| Q3 25 | 20.8% | -0.6% | ||
| Q2 25 | 21.5% | -1.8% | ||
| Q1 25 | 27.3% | -87.8% | ||
| Q4 24 | 16.4% | 0.3% | ||
| Q3 24 | 18.7% | -4.2% | ||
| Q2 24 | 23.8% | -0.3% |
每股收益（稀释后）CASHMATV
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.87 | ||
| Q3 25 | $1.69 | $-0.06 | ||
| Q2 25 | $1.81 | $-0.18 | ||
| Q1 25 | $3.14 | $-7.82 | ||
| Q4 24 | $1.23 | $0.03 | ||
| Q3 24 | $1.34 | $-0.38 | ||
| Q2 24 | $1.78 | $-0.03 |
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 | $84.2M |
| 总债务越低越好 | $59.5M | $1.0B |
| 股东权益账面价值 | $850.7M | $498.7M |
| 总资产 | $7.1B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.07× | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资CASHMATV
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $84.2M | ||
| Q3 25 | $120.6M | $97.1M | ||
| Q2 25 | $258.3M | $95.6M | ||
| Q1 25 | $254.2M | $84.0M | ||
| Q4 24 | $597.4M | $94.3M | ||
| Q3 24 | $158.3M | $162.2M | ||
| Q2 24 | $298.9M | $133.4M |
总债务CASHMATV
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.0B | ||
| Q3 25 | $33.5M | $1.0B | ||
| Q2 25 | $33.4M | $1.1B | ||
| Q1 25 | $33.4M | $1.1B | ||
| Q4 24 | $33.4M | $1.1B | ||
| Q3 24 | $33.4M | $1.2B | ||
| Q2 24 | $33.3M | $1.2B |
股东权益CASHMATV
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $498.7M | ||
| Q3 25 | $858.0M | $397.4M | ||
| Q2 25 | $819.0M | $416.6M | ||
| Q1 25 | $814.7M | $428.2M | ||
| Q4 24 | $758.3M | $858.5M | ||
| Q3 24 | $822.5M | $882.3M | ||
| Q2 24 | $748.4M | $898.0M |
总资产CASHMATV
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.1B | ||
| Q3 25 | $7.2B | $2.0B | ||
| Q2 25 | $7.2B | $2.1B | ||
| Q1 25 | $7.0B | $2.1B | ||
| Q4 24 | $7.6B | $2.4B | ||
| Q3 24 | $7.5B | $2.6B | ||
| Q2 24 | $7.5B | $2.6B |
负债/权益比CASHMATV
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 2.07× | ||
| Q3 25 | 0.04× | 2.63× | ||
| Q2 25 | 0.04× | 2.66× | ||
| Q1 25 | 0.04× | 2.67× | ||
| Q4 24 | 0.04× | 1.30× | ||
| Q3 24 | 0.04× | 1.32× | ||
| Q2 24 | 0.04× | 1.29× |
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 | — | $19.3M |
| 自由现金流经营现金流 - 资本支出 | — | $8.0M |
| 自由现金流率自由现金流/营收 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | — | 0.19× |
| 过去12个月自由现金流最近4个季度 | — | $93.8M |
8季度趋势，按日历期对齐
经营现金流CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $19.3M | ||
| Q3 25 | $303.7M | $72.8M | ||
| Q2 25 | $30.4M | $57.6M | ||
| Q1 25 | $188.3M | $-15.9M | ||
| Q4 24 | $-71.7M | $24.1M | ||
| Q3 24 | $143.1M | $37.6M | ||
| Q2 24 | $113.2M | $46.1M |
自由现金流CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $8.0M | ||
| Q3 25 | $300.3M | $66.7M | ||
| Q2 25 | $27.7M | $48.9M | ||
| Q1 25 | $184.7M | $-29.8M | ||
| Q4 24 | $-73.8M | $2.0M | ||
| Q3 24 | $138.8M | $25.5M | ||
| Q2 24 | $111.0M | $37.4M |
自由现金流率CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 1.7% | ||
| Q3 25 | 160.9% | 13.0% | ||
| Q2 25 | 14.1% | 9.3% | ||
| Q1 25 | 67.2% | -6.1% | ||
| Q4 24 | -40.4% | 0.4% | ||
| Q3 24 | 77.3% | 5.1% | ||
| Q2 24 | 58.8% | 7.1% |
资本支出强度CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.4% | ||
| Q3 25 | 1.8% | 1.2% | ||
| Q2 25 | 1.4% | 1.7% | ||
| Q1 25 | 1.3% | 2.9% | ||
| Q4 24 | 1.1% | 4.8% | ||
| Q3 24 | 2.4% | 2.4% | ||
| Q2 24 | 1.2% | 1.7% |
现金转化率CASHMATV
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.19× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 16.07× | ||
| 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% |
MATV
| Other | $208.7M | 45% |
| SAS Segment | $157.4M | 34% |
| FAM Segment | $97.0M | 21% |
