vs
PATHWARD FINANCIAL, INC.（CASH）与OPAL Fuels Inc.（OPAL）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OPAL Fuels Inc.的3.1倍（$276.3M vs $88.4M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 18.3%，领先8.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 17.6%）
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。
OPAL Fuels Inc.是一家北美能源企业，专注于生产和分销低碳可再生天然气（RNG）。公司从垃圾填埋场、奶牛场等有机废物流中收集甲烷，产出的可再生天然气主要供应给重型运输车队、商业物流运营商及公共交通实体，助力降低碳排放。
CASH vs OPAL — 直观对比
营收规模更大
CASH
是对方的3.1倍
$88.4M
净利率更高
CASH
高出8.1%
18.3%
两年增速更快
CASH
近两年复合增速
17.6%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $88.4M |
| 净利润 | $72.9M | $16.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 7.5% |
| 净利率 | 26.4% | 18.3% |
| 营收同比 | — | 18.7% |
| 净利润同比 | — | 401.5% |
| 每股收益（稀释后） | $3.35 | $0.08 |
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CASHOPAL
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $88.4M | ||
| Q3 25 | $186.7M | $77.9M | ||
| Q2 25 | $195.8M | $77.4M | ||
| Q1 25 | $274.8M | $83.0M | ||
| Q4 24 | $182.6M | $74.5M | ||
| Q3 24 | $179.5M | $82.6M | ||
| Q2 24 | $188.6M | $69.8M |
净利润CASHOPAL
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $16.2M | ||
| Q3 25 | $38.8M | $11.4M | ||
| Q2 25 | $42.1M | $7.6M | ||
| Q1 25 | $75.0M | $1.3M | ||
| Q4 24 | $30.0M | $-5.4M | ||
| Q3 24 | $33.5M | $17.1M | ||
| Q2 24 | $44.9M | $1.9M |
营业利润率CASHOPAL
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 7.5% | ||
| Q3 25 | 25.9% | 4.6% | ||
| Q2 25 | 24.1% | -1.1% | ||
| Q1 25 | 33.2% | -2.3% | ||
| Q4 24 | 19.8% | -0.5% | ||
| Q3 24 | 20.9% | 14.9% | ||
| Q2 24 | 27.1% | 8.1% |
净利率CASHOPAL
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 18.3% | ||
| Q3 25 | 20.8% | 14.6% | ||
| Q2 25 | 21.5% | 9.8% | ||
| Q1 25 | 27.3% | 1.5% | ||
| Q4 24 | 16.4% | -7.2% | ||
| Q3 24 | 18.7% | 20.7% | ||
| Q2 24 | 23.8% | 2.7% |
每股收益（稀释后）CASHOPAL
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.08 | ||
| Q3 25 | $1.69 | $0.05 | ||
| Q2 25 | $1.81 | $0.03 | ||
| Q1 25 | $3.14 | $-0.01 | ||
| Q4 24 | $1.23 | $-0.05 | ||
| Q3 24 | $1.34 | $0.09 | ||
| Q2 24 | $1.78 | $-0.01 |
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 | $24.4M |
| 总债务越低越好 | $59.5M | $361.3M |
| 股东权益账面价值 | $850.7M | $-12.9M |
| 总资产 | $7.1B | $959.5M |
| 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CASHOPAL
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $24.4M | ||
| Q3 25 | $120.6M | $29.9M | ||
| Q2 25 | $258.3M | $29.3M | ||
| Q1 25 | $254.2M | $40.1M | ||
| Q4 24 | $597.4M | $24.3M | ||
| Q3 24 | $158.3M | $31.0M | ||
| Q2 24 | $298.9M | $27.6M |
总债务CASHOPAL
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $361.3M | ||
| Q3 25 | $33.5M | $351.2M | ||
| Q2 25 | $33.4M | $331.6M | ||
| Q1 25 | $33.4M | $307.0M | ||
| Q4 24 | $33.4M | $307.5M | ||
| Q3 24 | $33.4M | $252.9M | ||
| Q2 24 | $33.3M | $233.3M |
股东权益CASHOPAL
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $-12.9M | ||
| Q3 25 | $858.0M | $7.5M | ||
| Q2 25 | $819.0M | $-25.0M | ||
| Q1 25 | $814.7M | $57.1M | ||
| Q4 24 | $758.3M | $-148.4M | ||
| Q3 24 | $822.5M | $-180.1M | ||
| Q2 24 | $748.4M | $-273.0M |
总资产CASHOPAL
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $959.5M | ||
| Q3 25 | $7.2B | $916.7M | ||
| Q2 25 | $7.2B | $905.5M | ||
| Q1 25 | $7.0B | $884.9M | ||
| Q4 24 | $7.6B | $881.1M | ||
| Q3 24 | $7.5B | $831.1M | ||
| Q2 24 | $7.5B | $782.3M |
负债/权益比CASHOPAL
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | 46.95× | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | 5.38× | ||
| 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 | — | $-3.5M |
| 自由现金流经营现金流 - 资本支出 | — | $-13.4M |
| 自由现金流率自由现金流/营收 | — | -15.1% |
| 资本支出强度资本支出/营收 | — | 11.1% |
| 现金转化率经营现金流/净利润 | — | -0.22× |
| 过去12个月自由现金流最近4个季度 | — | $-34.2M |
8季度趋势，按日历期对齐
经营现金流CASHOPAL
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-3.5M | ||
| Q3 25 | $303.7M | $18.2M | ||
| Q2 25 | $30.4M | $-7.9M | ||
| Q1 25 | $188.3M | $29.7M | ||
| Q4 24 | $-71.7M | $-532.0K | ||
| Q3 24 | $143.1M | $17.7M | ||
| Q2 24 | $113.2M | $533.0K |
自由现金流CASHOPAL
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-13.4M | ||
| Q3 25 | $300.3M | $-9.3M | ||
| Q2 25 | $27.7M | $-29.7M | ||
| Q1 25 | $184.7M | $18.1M | ||
| Q4 24 | $-73.8M | $-55.0M | ||
| Q3 24 | $138.8M | $-5.4M | ||
| Q2 24 | $111.0M | $-22.5M |
自由现金流率CASHOPAL
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -15.1% | ||
| Q3 25 | 160.9% | -11.9% | ||
| Q2 25 | 14.1% | -38.4% | ||
| Q1 25 | 67.2% | 21.8% | ||
| Q4 24 | -40.4% | -73.8% | ||
| Q3 24 | 77.3% | -6.5% | ||
| Q2 24 | 58.8% | -32.2% |
资本支出强度CASHOPAL
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 11.1% | ||
| Q3 25 | 1.8% | 35.3% | ||
| Q2 25 | 1.4% | 28.2% | ||
| Q1 25 | 1.3% | 13.9% | ||
| Q4 24 | 1.1% | 73.1% | ||
| Q3 24 | 2.4% | 27.9% | ||
| Q2 24 | 1.2% | 32.9% |
现金转化率CASHOPAL
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -0.22× | ||
| Q3 25 | 7.83× | 1.60× | ||
| Q2 25 | 0.72× | -1.04× | ||
| Q1 25 | 2.51× | 23.11× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 1.03× | ||
| Q2 24 | 2.52× | 0.28× |
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% |
OPAL
| Fuel Station Services Segment | $65.1M | 74% |
| Related Party | $12.1M | 14% |
| Renewable Power Segment | $8.6M | 10% |
| Other | $2.6M | 3% |
