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PATHWARD FINANCIAL, INC.（CASH）与Inotiv, Inc.（NOTV）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Inotiv, Inc.的2.3倍（$276.3M vs $120.9M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -23.5%，领先49.9%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 0.8%）
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。
Inotiv公司是一家注册于美国印第安纳州的合同研究组织，总部位于该州拉斐特市。公司设有两大核心业务板块：发现与安全评估业务（DSA）以及研究模型与服务业务（RMS），可为小分子候选药物、生物治疗产品及生物医疗设备提供安全评估、分析、代谢研究、CMC及法规咨询等药物开发与环境科学相关服务。
CASH vs NOTV — 直观对比
营收规模更大
CASH
是对方的2.3倍
$120.9M
净利率更高
CASH
高出49.9%
-23.5%
两年增速更快
CASH
近两年复合增速
0.8%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $120.9M |
| 净利润 | $72.9M | $-28.4M |
| 毛利率 | — | — |
| 营业利润率 | — | -13.5% |
| 净利率 | 26.4% | -23.5% |
| 营收同比 | — | 0.8% |
| 净利润同比 | — | -2.7% |
| 每股收益（稀释后） | $3.35 | $-0.83 |
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CASHNOTV
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $120.9M | ||
| Q3 25 | $186.7M | $138.1M | ||
| Q2 25 | $195.8M | $130.7M | ||
| Q1 25 | $274.8M | $124.3M | ||
| Q4 24 | $182.6M | $119.9M | ||
| Q3 24 | $179.5M | $130.4M | ||
| Q2 24 | $188.6M | $105.8M |
净利润CASHNOTV
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-28.4M | ||
| Q3 25 | $38.8M | $-8.6M | ||
| Q2 25 | $42.1M | $-17.6M | ||
| Q1 25 | $75.0M | $-14.9M | ||
| Q4 24 | $30.0M | $-27.6M | ||
| Q3 24 | $33.5M | $-18.9M | ||
| Q2 24 | $44.9M | $-26.1M |
营业利润率CASHNOTV
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -13.5% | ||
| Q3 25 | 25.9% | -4.9% | ||
| Q2 25 | 24.1% | -4.3% | ||
| Q1 25 | 33.2% | -2.4% | ||
| Q4 24 | 19.8% | -12.9% | ||
| Q3 24 | 20.9% | -10.1% | ||
| Q2 24 | 27.1% | -19.6% |
净利率CASHNOTV
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -23.5% | ||
| Q3 25 | 20.8% | -6.2% | ||
| Q2 25 | 21.5% | -13.5% | ||
| Q1 25 | 27.3% | -12.0% | ||
| Q4 24 | 16.4% | -23.0% | ||
| Q3 24 | 18.7% | -14.5% | ||
| Q2 24 | 23.8% | -24.7% |
每股收益（稀释后）CASHNOTV
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.83 | ||
| Q3 25 | $1.69 | $-0.14 | ||
| Q2 25 | $1.81 | $-0.51 | ||
| Q1 25 | $3.14 | $-0.44 | ||
| Q4 24 | $1.23 | $-1.02 | ||
| Q3 24 | $1.34 | $-0.73 | ||
| Q2 24 | $1.78 | $-1.00 |
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 | $12.7M |
| 总债务越低越好 | $59.5M | $405.8M |
| 股东权益账面价值 | $850.7M | $109.0M |
| 总资产 | $7.1B | $734.3M |
| 负债/权益比越低杠杆越低 | 0.07× | 3.72× |
8季度趋势，按日历期对齐
现金及短期投资CASHNOTV
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $12.7M | ||
| Q3 25 | $120.6M | $21.7M | ||
| Q2 25 | $258.3M | $6.2M | ||
| Q1 25 | $254.2M | $19.3M | ||
| Q4 24 | $597.4M | $38.0M | ||
| Q3 24 | $158.3M | $21.4M | ||
| Q2 24 | $298.9M | $14.4M |
总债务CASHNOTV
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $405.8M | ||
| Q3 25 | $33.5M | $402.1M | ||
| Q2 25 | $33.4M | $396.5M | ||
| Q1 25 | $33.4M | $399.5M | ||
| Q4 24 | $33.4M | $396.0M | ||
| Q3 24 | $33.4M | $393.3M | ||
| Q2 24 | $33.3M | $382.4M |
股东权益CASHNOTV
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $109.0M | ||
| Q3 25 | $858.0M | $136.0M | ||
| Q2 25 | $819.0M | $143.8M | ||
| Q1 25 | $814.7M | $157.7M | ||
| Q4 24 | $758.3M | $169.8M | ||
| Q3 24 | $822.5M | $170.5M | ||
| Q2 24 | $748.4M | $182.1M |
总资产CASHNOTV
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $734.3M | ||
| Q3 25 | $7.2B | $771.1M | ||
| Q2 25 | $7.2B | $759.7M | ||
| Q1 25 | $7.0B | $766.0M | ||
| Q4 24 | $7.6B | $772.9M | ||
| Q3 24 | $7.5B | $781.4M | ||
| Q2 24 | $7.5B | $774.6M |
负债/权益比CASHNOTV
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 3.72× | ||
| Q3 25 | 0.04× | 2.96× | ||
| Q2 25 | 0.04× | 2.76× | ||
| Q1 25 | 0.04× | 2.53× | ||
| Q4 24 | 0.04× | 2.33× | ||
| Q3 24 | 0.04× | 2.31× | ||
| Q2 24 | 0.04× | 2.10× |
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 | — | $-5.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-10.6M |
| 自由现金流率自由现金流/营收 | — | -8.8% |
| 资本支出强度资本支出/营收 | — | 4.3% |
| 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 | — | $-28.7M |
8季度趋势，按日历期对齐
经营现金流CASHNOTV
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-5.4M | ||
| Q3 25 | $303.7M | $14.3M | ||
| Q2 25 | $30.4M | $-7.4M | ||
| Q1 25 | $188.3M | $-12.8M | ||
| Q4 24 | $-71.7M | $-4.5M | ||
| Q3 24 | $143.1M | $-2.4M | ||
| Q2 24 | $113.2M | $-14.8M |
自由现金流CASHNOTV
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-10.6M | ||
| Q3 25 | $300.3M | $11.6M | ||
| Q2 25 | $27.7M | $-11.5M | ||
| Q1 25 | $184.7M | $-18.3M | ||
| Q4 24 | $-73.8M | $-9.0M | ||
| Q3 24 | $138.8M | $-7.7M | ||
| Q2 24 | $111.0M | $-19.2M |
自由现金流率CASHNOTV
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -8.8% | ||
| Q3 25 | 160.9% | 8.4% | ||
| Q2 25 | 14.1% | -8.8% | ||
| Q1 25 | 67.2% | -14.7% | ||
| Q4 24 | -40.4% | -7.5% | ||
| Q3 24 | 77.3% | -5.9% | ||
| Q2 24 | 58.8% | -18.2% |
资本支出强度CASHNOTV
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 4.3% | ||
| Q3 25 | 1.8% | 1.9% | ||
| Q2 25 | 1.4% | 3.1% | ||
| Q1 25 | 1.3% | 4.4% | ||
| Q4 24 | 1.1% | 3.7% | ||
| Q3 24 | 2.4% | 4.1% | ||
| Q2 24 | 1.2% | 4.2% |
现金转化率CASHNOTV
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| 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% |
NOTV
| Research Models And Services Segment | $72.9M | 60% |
| Discovery And Safety Assessment Segment | $48.0M | 40% |
