vs
PATHWARD FINANCIAL, INC.（CASH）与Ingevity Corp（NGVT）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Ingevity Corp的1.5倍（$276.3M vs $185.4M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -45.6%，领先72.0%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -26.2%）
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。
Ingevity Corp是一家全球特种化学品与先进材料生产商，主营高性能碳材料、路面养护解决方案及特种化工产品，服务汽车排放控制、工业净化、道路基建、农业投入品等核心市场，业务覆盖北美、欧洲及亚太地区。
CASH vs NGVT — 直观对比
营收规模更大
CASH
是对方的1.5倍
$185.4M
净利率更高
CASH
高出72.0%
-45.6%
两年增速更快
CASH
近两年复合增速
-26.2%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $185.4M |
| 净利润 | $72.9M | $-84.6M |
| 毛利率 | — | 41.2% |
| 营业利润率 | — | -47.7% |
| 净利率 | 26.4% | -45.6% |
| 营收同比 | — | 36.7% |
| 净利润同比 | — | -609.6% |
| 每股收益（稀释后） | $3.35 | $-2.33 |
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CASHNGVT
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $185.4M | ||
| Q3 25 | $186.7M | $333.1M | ||
| Q2 25 | $195.8M | $365.1M | ||
| Q1 25 | $274.8M | $284.0M | ||
| Q4 24 | $182.6M | $135.6M | ||
| Q3 24 | $179.5M | $333.8M | ||
| Q2 24 | $188.6M | $390.6M |
净利润CASHNGVT
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-84.6M | ||
| Q3 25 | $38.8M | $43.5M | ||
| Q2 25 | $42.1M | $-146.5M | ||
| Q1 25 | $75.0M | $20.5M | ||
| Q4 24 | $30.0M | $16.6M | ||
| Q3 24 | $33.5M | $-107.2M | ||
| Q2 24 | $44.9M | $-283.7M |
毛利率CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | — | 41.2% | ||
| Q3 25 | — | 40.2% | ||
| Q2 25 | — | 37.8% | ||
| Q1 25 | — | 39.9% | ||
| Q4 24 | — | 81.3% | ||
| Q3 24 | — | 39.4% | ||
| Q2 24 | — | 31.5% |
营业利润率CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -47.7% | ||
| Q3 25 | 25.9% | 18.7% | ||
| Q2 25 | 24.1% | -39.1% | ||
| Q1 25 | 33.2% | 9.4% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | 33.0% | ||
| Q2 24 | 27.1% | 25.9% |
净利率CASHNGVT
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -45.6% | ||
| Q3 25 | 20.8% | 13.1% | ||
| Q2 25 | 21.5% | -40.1% | ||
| Q1 25 | 27.3% | 7.2% | ||
| Q4 24 | 16.4% | 12.2% | ||
| Q3 24 | 18.7% | -32.1% | ||
| Q2 24 | 23.8% | -72.6% |
每股收益（稀释后）CASHNGVT
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-2.33 | ||
| Q3 25 | $1.69 | $1.18 | ||
| Q2 25 | $1.81 | $-4.02 | ||
| Q1 25 | $3.14 | $0.56 | ||
| Q4 24 | $1.23 | $0.44 | ||
| Q3 24 | $1.34 | $-2.94 | ||
| Q2 24 | $1.78 | $-7.81 |
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 | $78.1M |
| 总债务越低越好 | $59.5M | $1.2B |
| 股东权益账面价值 | $850.7M | $29.7M |
| 总资产 | $7.1B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.07× | 39.10× |
8季度趋势，按日历期对齐
现金及短期投资CASHNGVT
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $78.1M | ||
| Q3 25 | $120.6M | $83.4M | ||
| Q2 25 | $258.3M | $76.9M | ||
| Q1 25 | $254.2M | $71.5M | ||
| Q4 24 | $597.4M | $68.0M | ||
| Q3 24 | $158.3M | $135.5M | ||
| Q2 24 | $298.9M | $107.4M |
总债务CASHNGVT
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.2B | ||
| Q3 25 | $33.5M | $1.2B | ||
| Q2 25 | $33.4M | $1.2B | ||
| Q1 25 | $33.4M | $1.3B | ||
| Q4 24 | $33.4M | $1.3B | ||
| Q3 24 | $33.4M | $1.4B | ||
| Q2 24 | $33.3M | $1.4B |
股东权益CASHNGVT
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $29.7M | ||
| Q3 25 | $858.0M | $138.1M | ||
| Q2 25 | $819.0M | $120.7M | ||
| Q1 25 | $814.7M | $234.6M | ||
| Q4 24 | $758.3M | $195.2M | ||
| Q3 24 | $822.5M | $214.5M | ||
| Q2 24 | $748.4M | $284.8M |
总资产CASHNGVT
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.7B | ||
| Q3 25 | $7.2B | $1.8B | ||
| Q2 25 | $7.2B | $1.9B | ||
| Q1 25 | $7.0B | $2.1B | ||
| Q4 24 | $7.6B | $2.0B | ||
| Q3 24 | $7.5B | $2.2B | ||
| Q2 24 | $7.5B | $2.3B |
负债/权益比CASHNGVT
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 39.10× | ||
| Q3 25 | 0.04× | 8.39× | ||
| Q2 25 | 0.04× | 10.24× | ||
| Q1 25 | 0.04× | 5.68× | ||
| Q4 24 | 0.04× | 6.86× | ||
| Q3 24 | 0.04× | 6.52× | ||
| Q2 24 | 0.04× | 4.92× |
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 | — | $97.1M |
| 自由现金流经营现金流 - 资本支出 | — | $73.5M |
| 自由现金流率自由现金流/营收 | — | 39.6% |
| 资本支出强度资本支出/营收 | — | 12.7% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $273.5M |
8季度趋势，按日历期对齐
经营现金流CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $97.1M | ||
| Q3 25 | $303.7M | $129.7M | ||
| Q2 25 | $30.4M | $79.0M | ||
| Q1 25 | $188.3M | $25.4M | ||
| Q4 24 | $-71.7M | $64.5M | ||
| Q3 24 | $143.1M | $46.5M | ||
| Q2 24 | $113.2M | $29.7M |
自由现金流CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $73.5M | ||
| Q3 25 | $300.3M | $117.8M | ||
| Q2 25 | $27.7M | $66.8M | ||
| Q1 25 | $184.7M | $15.4M | ||
| Q4 24 | $-73.8M | $39.6M | ||
| Q3 24 | $138.8M | $28.5M | ||
| Q2 24 | $111.0M | $11.6M |
自由现金流率CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 39.6% | ||
| Q3 25 | 160.9% | 35.4% | ||
| Q2 25 | 14.1% | 18.3% | ||
| Q1 25 | 67.2% | 5.4% | ||
| Q4 24 | -40.4% | 29.2% | ||
| Q3 24 | 77.3% | 8.5% | ||
| Q2 24 | 58.8% | 3.0% |
资本支出强度CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 12.7% | ||
| Q3 25 | 1.8% | 3.6% | ||
| Q2 25 | 1.4% | 3.3% | ||
| Q1 25 | 1.3% | 3.5% | ||
| Q4 24 | 1.1% | 18.4% | ||
| Q3 24 | 2.4% | 5.4% | ||
| Q2 24 | 1.2% | 4.6% |
现金转化率CASHNGVT
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 2.98× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 1.24× | ||
| Q4 24 | -2.39× | 3.89× | ||
| 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% |
NGVT
| Performance Materials | $151.2M | 82% |
| Advanced Polymer Technologies Segment | $36.5M | 20% |
