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PATHWARD FINANCIAL, INC.（CASH）与MONRO, INC.（MNRO）财务数据对比。点击上方公司名可切换其他公司
MONRO, INC.的季度营收约是PATHWARD FINANCIAL, INC.的1.1倍（$293.4M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 3.8%，领先22.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
CASH vs MNRO — 直观对比
营收规模更大
MNRO
是对方的1.1倍
$276.3M
净利率更高
CASH
高出22.6%
3.8%
两年增速更快
CASH
近两年复合增速
-2.7%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $293.4M |
| 净利润 | $72.9M | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | — | 6.3% |
| 净利率 | 26.4% | 3.8% |
| 营收同比 | — | -4.0% |
| 净利润同比 | — | 143.1% |
| 每股收益（稀释后） | $3.35 | $0.35 |
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CASHMNRO
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $293.4M | ||
| Q3 25 | $186.7M | $288.9M | ||
| Q2 25 | $195.8M | $301.0M | ||
| Q1 25 | $274.8M | $295.0M | ||
| Q4 24 | $182.6M | $305.8M | ||
| Q3 24 | $179.5M | $301.4M | ||
| Q2 24 | $188.6M | $293.2M |
净利润CASHMNRO
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $11.1M | ||
| Q3 25 | $38.8M | $5.7M | ||
| Q2 25 | $42.1M | $-8.1M | ||
| Q1 25 | $75.0M | $-21.3M | ||
| Q4 24 | $30.0M | $4.6M | ||
| Q3 24 | $33.5M | $5.6M | ||
| Q2 24 | $44.9M | $5.9M |
毛利率CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% |
营业利润率CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 6.3% | ||
| Q3 25 | 25.9% | 4.4% | ||
| Q2 25 | 24.1% | -2.0% | ||
| Q1 25 | 33.2% | -8.1% | ||
| Q4 24 | 19.8% | 3.3% | ||
| Q3 24 | 20.9% | 4.4% | ||
| Q2 24 | 27.1% | 4.5% |
净利率CASHMNRO
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 3.8% | ||
| Q3 25 | 20.8% | 2.0% | ||
| Q2 25 | 21.5% | -2.7% | ||
| Q1 25 | 27.3% | -7.2% | ||
| Q4 24 | 16.4% | 1.5% | ||
| Q3 24 | 18.7% | 1.9% | ||
| Q2 24 | 23.8% | 2.0% |
每股收益（稀释后）CASHMNRO
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.35 | ||
| Q3 25 | $1.69 | $0.18 | ||
| Q2 25 | $1.81 | $-0.28 | ||
| Q1 25 | $3.14 | $-0.74 | ||
| Q4 24 | $1.23 | $0.15 | ||
| Q3 24 | $1.34 | $0.18 | ||
| Q2 24 | $1.78 | $0.19 |
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 | $4.9M |
| 总债务越低越好 | $59.5M | $45.0M |
| 股东权益账面价值 | $850.7M | $604.9M |
| 总资产 | $7.1B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资CASHMNRO
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $4.9M | ||
| Q3 25 | $120.6M | $10.5M | ||
| Q2 25 | $258.3M | $7.8M | ||
| Q1 25 | $254.2M | $20.8M | ||
| Q4 24 | $597.4M | $10.2M | ||
| Q3 24 | $158.3M | $20.9M | ||
| Q2 24 | $298.9M | $18.7M |
总债务CASHMNRO
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $45.0M | ||
| Q3 25 | $33.5M | $60.0M | ||
| Q2 25 | $33.4M | $71.5M | ||
| Q1 25 | $33.4M | $61.3M | ||
| Q4 24 | $33.4M | $59.3M | ||
| Q3 24 | $33.4M | $62.0M | ||
| Q2 24 | $33.3M | $112.0M |
股东权益CASHMNRO
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $604.9M | ||
| Q3 25 | $858.0M | $601.7M | ||
| Q2 25 | $819.0M | $604.9M | ||
| Q1 25 | $814.7M | $620.8M | ||
| Q4 24 | $758.3M | $648.9M | ||
| Q3 24 | $822.5M | $651.9M | ||
| Q2 24 | $748.4M | $654.4M |
总资产CASHMNRO
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.6B | ||
| Q3 25 | $7.2B | $1.6B | ||
| Q2 25 | $7.2B | $1.6B | ||
| Q1 25 | $7.0B | $1.6B | ||
| Q4 24 | $7.6B | $1.7B | ||
| Q3 24 | $7.5B | $1.7B | ||
| Q2 24 | $7.5B | $1.7B |
负债/权益比CASHMNRO
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.07× | ||
| Q3 25 | 0.04× | 0.10× | ||
| Q2 25 | 0.04× | 0.12× | ||
| Q1 25 | 0.04× | 0.10× | ||
| Q4 24 | 0.04× | 0.09× | ||
| Q3 24 | 0.04× | 0.10× | ||
| Q2 24 | 0.04× | 0.17× |
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 | — | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $17.8M | ||
| Q3 25 | $303.7M | $32.3M | ||
| Q2 25 | $30.4M | $-1.9M | ||
| Q1 25 | $188.3M | $28.9M | ||
| Q4 24 | $-71.7M | $14.8M | ||
| Q3 24 | $143.1M | $62.6M | ||
| Q2 24 | $113.2M | $25.6M |
自由现金流CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $9.1M | ||
| Q3 25 | $300.3M | $26.6M | ||
| Q2 25 | $27.7M | $-9.3M | ||
| Q1 25 | $184.7M | $23.2M | ||
| Q4 24 | $-73.8M | $7.9M | ||
| Q3 24 | $138.8M | $57.6M | ||
| Q2 24 | $111.0M | $16.8M |
自由现金流率CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 3.1% | ||
| Q3 25 | 160.9% | 9.2% | ||
| Q2 25 | 14.1% | -3.1% | ||
| Q1 25 | 67.2% | 7.9% | ||
| Q4 24 | -40.4% | 2.6% | ||
| Q3 24 | 77.3% | 19.1% | ||
| Q2 24 | 58.8% | 5.7% |
资本支出强度CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.0% | ||
| Q3 25 | 1.8% | 2.0% | ||
| Q2 25 | 1.4% | 2.5% | ||
| Q1 25 | 1.3% | 1.9% | ||
| Q4 24 | 1.1% | 2.2% | ||
| Q3 24 | 2.4% | 1.6% | ||
| Q2 24 | 1.2% | 3.0% |
现金转化率CASHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.60× | ||
| Q3 25 | 7.83× | 5.71× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 3.23× | ||
| Q3 24 | 4.27× | 11.08× | ||
| Q2 24 | 2.52× | 4.37× |
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% |
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
