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PATHWARD FINANCIAL, INC.（CASH）与OSI SYSTEMS INC（OSIS）财务数据对比。点击上方公司名可切换其他公司
OSI SYSTEMS INC的季度营收约是PATHWARD FINANCIAL, INC.的1.7倍（$464.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 8.3%，领先18.0%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 7.0%）
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。
OSI系统公司是总部位于美国加利福尼亚州的企业，主营安全检测系统、医疗设备及光电器件三大业务板块，产品涵盖机场安检X光机、金属探测器、医疗监护与麻醉系统等，旗下拥有Spacelabs Healthcare、Rapiscan Systems、OSI Optoelectronics等子公司，全球员工规模约3180人。
CASH vs OSIS — 直观对比
营收规模更大
OSIS
是对方的1.7倍
$276.3M
净利率更高
CASH
高出18.0%
8.3%
两年增速更快
CASH
近两年复合增速
7.0%
损益表 — Q2 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $464.1M |
| 净利润 | $72.9M | $38.7M |
| 毛利率 | — | 32.7% |
| 营业利润率 | — | 12.7% |
| 净利率 | 26.4% | 8.3% |
| 营收同比 | — | 10.5% |
| 净利润同比 | — | 2.3% |
| 每股收益（稀释后） | $3.35 | $2.22 |
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CASHOSIS
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $464.1M | ||
| Q3 25 | $186.7M | $384.6M | ||
| Q2 25 | $195.8M | $505.0M | ||
| Q1 25 | $274.8M | $444.4M | ||
| Q4 24 | $182.6M | $419.8M | ||
| Q3 24 | $179.5M | $344.0M | ||
| Q2 24 | $188.6M | $480.9M |
净利润CASHOSIS
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $38.7M | ||
| Q3 25 | $38.8M | $20.6M | ||
| Q2 25 | $42.1M | $52.7M | ||
| Q1 25 | $75.0M | $41.1M | ||
| Q4 24 | $30.0M | $37.8M | ||
| Q3 24 | $33.5M | $17.9M | ||
| Q2 24 | $44.9M | $44.7M |
毛利率CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | — | 32.7% | ||
| Q3 25 | — | 32.0% | ||
| Q2 25 | — | 33.3% | ||
| Q1 25 | — | 33.8% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 32.1% |
营业利润率CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 12.7% | ||
| Q3 25 | 25.9% | 8.6% | ||
| Q2 25 | 24.1% | 14.5% | ||
| Q1 25 | 33.2% | 12.7% | ||
| Q4 24 | 19.8% | 13.8% | ||
| Q3 24 | 20.9% | 8.8% | ||
| Q2 24 | 27.1% | 13.1% |
净利率CASHOSIS
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 8.3% | ||
| Q3 25 | 20.8% | 5.3% | ||
| Q2 25 | 21.5% | 10.4% | ||
| Q1 25 | 27.3% | 9.3% | ||
| Q4 24 | 16.4% | 9.0% | ||
| Q3 24 | 18.7% | 5.2% | ||
| Q2 24 | 23.8% | 9.3% |
每股收益（稀释后）CASHOSIS
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $2.22 | ||
| Q3 25 | $1.69 | $1.18 | ||
| Q2 25 | $1.81 | $3.04 | ||
| Q1 25 | $3.14 | $2.40 | ||
| Q4 24 | $1.23 | $2.22 | ||
| Q3 24 | $1.34 | $1.05 | ||
| Q2 24 | $1.78 | $2.57 |
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 | $336.7M |
| 总债务越低越好 | $59.5M | $1.0B |
| 股东权益账面价值 | $850.7M | $845.5M |
| 总资产 | $7.1B | $2.5B |
| 负债/权益比越低杠杆越低 | 0.07× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资CASHOSIS
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $336.7M | ||
| Q3 25 | $120.6M | $124.4M | ||
| Q2 25 | $258.3M | $106.4M | ||
| Q1 25 | $254.2M | $95.8M | ||
| Q4 24 | $597.4M | $101.6M | ||
| Q3 24 | $158.3M | $85.1M | ||
| Q2 24 | $298.9M | $95.4M |
总债务CASHOSIS
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.0B | ||
| Q3 25 | $33.5M | $442.2M | ||
| Q2 25 | $33.4M | $471.6M | ||
| Q1 25 | $33.4M | $473.2M | ||
| Q4 24 | $33.4M | $474.8M | ||
| Q3 24 | $33.4M | $476.3M | ||
| Q2 24 | $33.3M | $137.6M |
股东权益CASHOSIS
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $845.5M | ||
| Q3 25 | $858.0M | $946.0M | ||
| Q2 25 | $819.0M | $951.1M | ||
| Q1 25 | $814.7M | $879.3M | ||
| Q4 24 | $758.3M | $825.8M | ||
| Q3 24 | $822.5M | $786.5M | ||
| Q2 24 | $748.4M | $863.5M |
总资产CASHOSIS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.5B | ||
| Q3 25 | $7.2B | $2.3B | ||
| Q2 25 | $7.2B | $2.2B | ||
| Q1 25 | $7.0B | $2.1B | ||
| Q4 24 | $7.6B | $2.1B | ||
| Q3 24 | $7.5B | $2.1B | ||
| Q2 24 | $7.5B | $1.9B |
负债/权益比CASHOSIS
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 1.19× | ||
| Q3 25 | 0.04× | 0.47× | ||
| Q2 25 | 0.04× | 0.50× | ||
| Q1 25 | 0.04× | 0.54× | ||
| Q4 24 | 0.04× | 0.57× | ||
| Q3 24 | 0.04× | 0.61× | ||
| Q2 24 | 0.04× | 0.16× |
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 | — | $62.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.5M |
| 自由现金流率自由现金流/营收 | — | 12.0% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | 1.61× |
| 过去12个月自由现金流最近4个季度 | — | $137.2M |
8季度趋势，按日历期对齐
经营现金流CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $62.2M | ||
| Q3 25 | $303.7M | $17.1M | ||
| Q2 25 | $30.4M | $562.0K | ||
| Q1 25 | $188.3M | $81.6M | ||
| Q4 24 | $-71.7M | $52.5M | ||
| Q3 24 | $143.1M | $-37.2M | ||
| Q2 24 | $113.2M | $-29.0M |
自由现金流CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $55.5M | ||
| Q3 25 | $300.3M | $10.1M | ||
| Q2 25 | $27.7M | $-5.6M | ||
| Q1 25 | $184.7M | $77.1M | ||
| Q4 24 | $-73.8M | $47.1M | ||
| Q3 24 | $138.8M | $-44.9M | ||
| Q2 24 | $111.0M | $-37.5M |
自由现金流率CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 12.0% | ||
| Q3 25 | 160.9% | 2.6% | ||
| Q2 25 | 14.1% | -1.1% | ||
| Q1 25 | 67.2% | 17.4% | ||
| Q4 24 | -40.4% | 11.2% | ||
| Q3 24 | 77.3% | -13.0% | ||
| Q2 24 | 58.8% | -7.8% |
资本支出强度CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.4% | ||
| Q3 25 | 1.8% | 1.8% | ||
| Q2 25 | 1.4% | 1.2% | ||
| Q1 25 | 1.3% | 1.0% | ||
| Q4 24 | 1.1% | 1.3% | ||
| Q3 24 | 2.4% | 2.2% | ||
| Q2 24 | 1.2% | 1.8% |
现金转化率CASHOSIS
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.61× | ||
| Q3 25 | 7.83× | 0.83× | ||
| Q2 25 | 0.72× | 0.01× | ||
| Q1 25 | 2.51× | 1.98× | ||
| Q4 24 | -2.39× | 1.39× | ||
| Q3 24 | 4.27× | -2.07× | ||
| Q2 24 | 2.52× | -0.65× |
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% |
OSIS
| Security Division | $334.7M | 72% |
| Optoelectronics And Manufacturing Division | $92.8M | 20% |
| Healthcare Division | $36.5M | 8% |
