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PATHWARD FINANCIAL, INC.（CASH）与丰田北美（MPAA）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是丰田北美的1.6倍（$276.3M vs $167.7M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 1.1%，领先25.3%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -5.9%）
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。
丰田北美（TMNA）是丰田汽车旗下负责加拿大、墨西哥及美国全境业务的运营子公司，业务范围覆盖研发、生产制造、销售营销、售后及企业管理等板块，相关核心业务由TMNA统筹，部分板块由其他子公司及控股企业负责执行，公司总部位于得克萨斯州普莱诺，在肯塔基州乔治敦等多地设有分支机构。
CASH vs MPAA — 直观对比
营收规模更大
CASH
是对方的1.6倍
$167.7M
净利率更高
CASH
高出25.3%
1.1%
两年增速更快
CASH
近两年复合增速
-5.9%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $167.7M |
| 净利润 | $72.9M | $1.8M |
| 毛利率 | — | 19.6% |
| 营业利润率 | — | 5.0% |
| 净利率 | 26.4% | 1.1% |
| 营收同比 | — | -9.9% |
| 净利润同比 | — | -22.4% |
| 每股收益（稀释后） | $3.35 | $0.09 |
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CASHMPAA
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $167.7M | ||
| Q3 25 | $186.7M | $221.5M | ||
| Q2 25 | $195.8M | $188.4M | ||
| Q1 25 | $274.8M | $193.1M | ||
| Q4 24 | $182.6M | $186.2M | ||
| Q3 24 | $179.5M | $208.2M | ||
| Q2 24 | $188.6M | $169.9M |
净利润CASHMPAA
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $1.8M | ||
| Q3 25 | $38.8M | $-2.1M | ||
| Q2 25 | $42.1M | $3.0M | ||
| Q1 25 | $75.0M | $-722.0K | ||
| Q4 24 | $30.0M | $2.3M | ||
| Q3 24 | $33.5M | $-3.0M | ||
| Q2 24 | $44.9M | $-18.1M |
毛利率CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | — | 19.6% | ||
| Q3 25 | — | 19.3% | ||
| Q2 25 | — | 18.0% | ||
| Q1 25 | — | 19.9% | ||
| Q4 24 | — | 24.1% | ||
| Q3 24 | — | 19.8% | ||
| Q2 24 | — | 17.2% |
营业利润率CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.0% | ||
| Q3 25 | 25.9% | 7.4% | ||
| Q2 25 | 24.1% | 10.7% | ||
| Q1 25 | 33.2% | 8.4% | ||
| Q4 24 | 19.8% | 9.4% | ||
| Q3 24 | 20.9% | 6.0% | ||
| Q2 24 | 27.1% | -3.8% |
净利率CASHMPAA
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 1.1% | ||
| Q3 25 | 20.8% | -1.0% | ||
| Q2 25 | 21.5% | 1.6% | ||
| Q1 25 | 27.3% | -0.4% | ||
| Q4 24 | 16.4% | 1.2% | ||
| Q3 24 | 18.7% | -1.4% | ||
| Q2 24 | 23.8% | -10.6% |
每股收益（稀释后）CASHMPAA
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.09 | ||
| Q3 25 | $1.69 | $-0.11 | ||
| Q2 25 | $1.81 | $0.15 | ||
| Q1 25 | $3.14 | $-0.03 | ||
| Q4 24 | $1.23 | $0.11 | ||
| Q3 24 | $1.34 | $-0.15 | ||
| Q2 24 | $1.78 | $-0.92 |
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 | $19.6M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $258.5M |
| 总资产 | $7.1B | $991.3M |
| 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CASHMPAA
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $19.6M | ||
| Q3 25 | $120.6M | $17.7M | ||
| Q2 25 | $258.3M | $14.5M | ||
| Q1 25 | $254.2M | $11.3M | ||
| Q4 24 | $597.4M | $12.7M | ||
| Q3 24 | $158.3M | $12.3M | ||
| Q2 24 | $298.9M | $9.4M |
总债务CASHMPAA
| 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CASHMPAA
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $258.5M | ||
| Q3 25 | $858.0M | $258.5M | ||
| Q2 25 | $819.0M | $260.1M | ||
| Q1 25 | $814.7M | $257.7M | ||
| Q4 24 | $758.3M | $262.7M | ||
| Q3 24 | $822.5M | $264.0M | ||
| Q2 24 | $748.4M | $267.2M |
总资产CASHMPAA
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $991.3M | ||
| Q3 25 | $7.2B | $990.0M | ||
| Q2 25 | $7.2B | $973.4M | ||
| Q1 25 | $7.0B | $957.6M | ||
| Q4 24 | $7.6B | $949.5M | ||
| Q3 24 | $7.5B | $986.2M | ||
| Q2 24 | $7.5B | $978.0M |
负债/权益比CASHMPAA
| 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 | — | $-8.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-8.6M |
| 自由现金流率自由现金流/营收 | — | -5.2% |
| 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 | — | -4.63× |
| 过去12个月自由现金流最近4个季度 | — | $27.7M |
8季度趋势，按日历期对齐
经营现金流CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-8.2M | ||
| Q3 25 | $303.7M | $21.9M | ||
| Q2 25 | $30.4M | $10.0M | ||
| Q1 25 | $188.3M | $9.1M | ||
| Q4 24 | $-71.7M | $34.4M | ||
| Q3 24 | $143.1M | $22.9M | ||
| Q2 24 | $113.2M | $-20.8M |
自由现金流CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-8.6M | ||
| Q3 25 | $300.3M | $20.8M | ||
| Q2 25 | $27.7M | $9.2M | ||
| Q1 25 | $184.7M | $6.2M | ||
| Q4 24 | $-73.8M | $33.7M | ||
| Q3 24 | $138.8M | $22.3M | ||
| Q2 24 | $111.0M | $-21.3M |
自由现金流率CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -5.2% | ||
| Q3 25 | 160.9% | 9.4% | ||
| Q2 25 | 14.1% | 4.9% | ||
| Q1 25 | 67.2% | 3.2% | ||
| Q4 24 | -40.4% | 18.1% | ||
| Q3 24 | 77.3% | 10.7% | ||
| Q2 24 | 58.8% | -12.6% |
资本支出强度CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.2% | ||
| Q3 25 | 1.8% | 0.5% | ||
| Q2 25 | 1.4% | 0.4% | ||
| Q1 25 | 1.3% | 1.5% | ||
| Q4 24 | 1.1% | 0.4% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 0.3% |
现金转化率CASHMPAA
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -4.63× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 3.30× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 15.00× | ||
| 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% |
MPAA
| Reportable Segment Aggregation Before Other Operating Segment | $156.3M | 93% |
| Other | $11.4M | 7% |
