vs
PATHWARD FINANCIAL, INC.（CASH）与OneStream, Inc.（OS）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OneStream, Inc.的1.1倍（$173.1M vs $163.7M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 0.6%，领先19.7%），OneStream, Inc.同比增速更快（23.6% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $25.6M），过去两年OneStream, Inc.的营收复合增速更高（21.8% vs -18.0%）
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。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
CASH vs OS — 直观对比
营收规模更大
CASH
是对方的1.1倍
$163.7M
营收增速更快
OS
高出23.8%
-0.2%
净利率更高
CASH
高出19.7%
0.6%
自由现金流更多
CASH
多$78.4M
$25.6M
两年增速更快
OS
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $163.7M |
| 净利润 | $35.2M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | 24.6% | -3.2% |
| 净利率 | 20.3% | 0.6% |
| 营收同比 | -0.2% | 23.6% |
| 净利润同比 | 11.9% | — |
| 每股收益（稀释后） | $1.57 | — |
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CASHOS
| Q4 25 | $173.1M | $163.7M | ||
| Q3 25 | $186.7M | $154.3M | ||
| Q2 25 | $195.8M | $147.6M | ||
| Q1 25 | $274.8M | $136.3M | ||
| Q4 24 | $182.6M | $132.5M | ||
| Q3 24 | $179.5M | $129.1M | ||
| Q2 24 | $188.6M | $117.5M | ||
| Q1 24 | $257.6M | $110.3M |
净利润CASHOS
| Q4 25 | $35.2M | $999.0K | ||
| Q3 25 | $38.8M | $-8.8M | ||
| Q2 25 | $42.1M | $-18.4M | ||
| Q1 25 | $75.0M | $-24.0M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $-171.9M | ||
| Q2 24 | $44.9M | $-7.8M | ||
| Q1 24 | $69.9M | $-5.0M |
毛利率CASHOS
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% | ||
| Q1 24 | — | 69.1% |
营业利润率CASHOS
| Q4 25 | 24.6% | -3.2% | ||
| Q3 25 | 25.9% | -11.3% | ||
| Q2 25 | 24.1% | -21.8% | ||
| Q1 25 | 33.2% | -29.3% | ||
| Q4 24 | 19.8% | -35.8% | ||
| Q3 24 | 20.9% | -197.6% | ||
| Q2 24 | 27.1% | -9.8% | ||
| Q1 24 | 33.8% | -4.9% |
净利率CASHOS
| Q4 25 | 20.3% | 0.6% | ||
| Q3 25 | 20.8% | -5.7% | ||
| Q2 25 | 21.5% | -12.5% | ||
| Q1 25 | 27.3% | -17.6% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | -133.1% | ||
| Q2 24 | 23.8% | -6.7% | ||
| Q1 24 | 27.1% | -4.5% |
每股收益（稀释后）CASHOS
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | $-1.06 | ||
| Q2 24 | $1.78 | — | ||
| Q1 24 | $2.74 | — |
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 | $331.2M | $693.6M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $504.7M |
| 总资产 | $7.6B | $1.0B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHOS
| Q4 25 | $331.2M | $693.6M | ||
| Q3 25 | $120.6M | $653.9M | ||
| Q2 25 | $258.3M | $652.1M | ||
| Q1 25 | $254.2M | $593.9M | ||
| Q4 24 | $597.4M | $544.2M | ||
| Q3 24 | $158.3M | $495.5M | ||
| Q2 24 | $298.9M | $140.5M | ||
| Q1 24 | $347.9M | — |
总债务CASHOS
| 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 | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHOS
| Q4 25 | $854.5M | $504.7M | ||
| Q3 25 | $858.0M | $472.1M | ||
| Q2 25 | $819.0M | $458.2M | ||
| Q1 25 | $814.7M | $412.9M | ||
| Q4 24 | $758.3M | $386.2M | ||
| Q3 24 | $822.5M | $458.2M | ||
| Q2 24 | $748.4M | $97.5M | ||
| Q1 24 | $719.5M | $102.5M |
总资产CASHOS
| Q4 25 | $7.6B | $1.0B | ||
| Q3 25 | $7.2B | $949.4M | ||
| Q2 25 | $7.2B | $910.5M | ||
| Q1 25 | $7.0B | $867.3M | ||
| Q4 24 | $7.6B | $823.2M | ||
| Q3 24 | $7.5B | $750.1M | ||
| Q2 24 | $7.5B | $379.7M | ||
| Q1 24 | $7.4B | — |
负债/权益比CASHOS
| 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× | — | ||
| Q1 24 | 0.05× | — |
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 | $108.3M | $25.8M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $25.6M |
| 自由现金流率自由现金流/营收 | 60.1% | 15.7% |
| 资本支出强度资本支出/营收 | 2.4% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.08× | 25.79× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $95.6M |
8季度趋势，按日历期对齐
经营现金流CASHOS
| Q4 25 | $108.3M | $25.8M | ||
| Q3 25 | $303.7M | $5.0M | ||
| Q2 25 | $30.4M | $29.7M | ||
| Q1 25 | $188.3M | $36.2M | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | $2.4M | ||
| Q2 24 | $113.2M | $8.1M | ||
| Q1 24 | $203.0M | $25.5M |
自由现金流CASHOS
| Q4 25 | $104.1M | $25.6M | ||
| Q3 25 | $300.3M | $4.8M | ||
| Q2 25 | $27.7M | $29.4M | ||
| Q1 25 | $184.7M | $35.8M | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | $1.3M | ||
| Q2 24 | $111.0M | $7.7M | ||
| Q1 24 | $201.3M | $24.9M |
自由现金流率CASHOS
| Q4 25 | 60.1% | 15.7% | ||
| Q3 25 | 160.9% | 3.1% | ||
| Q2 25 | 14.1% | 19.9% | ||
| Q1 25 | 67.2% | 26.3% | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | 1.0% | ||
| Q2 24 | 58.8% | 6.6% | ||
| Q1 24 | 78.1% | 22.5% |
资本支出强度CASHOS
| Q4 25 | 2.4% | 0.1% | ||
| Q3 25 | 1.8% | 0.1% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.3% | 0.3% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | 0.8% | ||
| Q2 24 | 1.2% | 0.3% | ||
| Q1 24 | 0.7% | 0.6% |
现金转化率CASHOS
| Q4 25 | 3.08× | 25.79× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | — |
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
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
