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PATHWARD FINANCIAL, INC.（CASH）与ONESPAWORLD HOLDINGS Ltd（OSW）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ONESPAWORLD HOLDINGS Ltd的1.1倍（$276.3M vs $242.1M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 5.0%，领先21.4%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 7.1%）
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。
CASH vs OSW — 直观对比
营收规模更大
CASH
是对方的1.1倍
$242.1M
净利率更高
CASH
高出21.4%
5.0%
两年增速更快
CASH
近两年复合增速
7.1%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $242.1M |
| 净利润 | $72.9M | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.8% |
| 净利率 | 26.4% | 5.0% |
| 营收同比 | — | 11.5% |
| 净利润同比 | — | -16.2% |
| 每股收益（稀释后） | $3.35 | $0.12 |
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CASHOSW
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $242.1M | ||
| Q3 25 | $186.7M | $258.5M | ||
| Q2 25 | $195.8M | $240.7M | ||
| Q1 25 | $274.8M | $219.6M | ||
| Q4 24 | $182.6M | $217.2M | ||
| Q3 24 | $179.5M | $241.7M | ||
| Q2 24 | $188.6M | $224.9M |
净利润CASHOSW
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $12.1M | ||
| Q3 25 | $38.8M | $24.3M | ||
| Q2 25 | $42.1M | $19.9M | ||
| Q1 25 | $75.0M | $15.3M | ||
| Q4 24 | $30.0M | $14.4M | ||
| Q3 24 | $33.5M | $21.6M | ||
| Q2 24 | $44.9M | $15.8M |
营业利润率CASHOSW
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 6.8% | ||
| Q3 25 | 25.9% | 10.2% | ||
| Q2 25 | 24.1% | 9.2% | ||
| Q1 25 | 33.2% | 7.7% | ||
| Q4 24 | 19.8% | 7.9% | ||
| Q3 24 | 20.9% | 10.3% | ||
| Q2 24 | 27.1% | 8.4% |
净利率CASHOSW
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 5.0% | ||
| Q3 25 | 20.8% | 9.4% | ||
| Q2 25 | 21.5% | 8.3% | ||
| Q1 25 | 27.3% | 7.0% | ||
| Q4 24 | 16.4% | 6.6% | ||
| Q3 24 | 18.7% | 8.9% | ||
| Q2 24 | 23.8% | 7.0% |
每股收益（稀释后）CASHOSW
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.12 | ||
| Q3 25 | $1.69 | $0.23 | ||
| Q2 25 | $1.81 | $0.19 | ||
| Q1 25 | $3.14 | $0.15 | ||
| Q4 24 | $1.23 | $0.13 | ||
| Q3 24 | $1.34 | $0.20 | ||
| Q2 24 | $1.78 | $0.15 |
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 | $16.3M |
| 总债务越低越好 | $59.5M | $84.0M |
| 股东权益账面价值 | $850.7M | $542.6M |
| 总资产 | $7.1B | $707.1M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资CASHOSW
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $16.3M | ||
| Q3 25 | $120.6M | $29.6M | ||
| Q2 25 | $258.3M | $35.0M | ||
| Q1 25 | $254.2M | $22.6M | ||
| Q4 24 | $597.4M | $57.4M | ||
| Q3 24 | $158.3M | $48.8M | ||
| Q2 24 | $298.9M | $62.5M |
总债务CASHOSW
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $84.0M | ||
| Q3 25 | $33.5M | $85.2M | ||
| Q2 25 | $33.4M | $96.2M | ||
| Q1 25 | $33.4M | $97.4M | ||
| Q4 24 | $33.4M | $98.6M | ||
| Q3 24 | $33.4M | $98.7M | ||
| Q2 24 | $33.3M | $123.8M |
股东权益CASHOSW
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $542.6M | ||
| Q3 25 | $858.0M | $552.8M | ||
| Q2 25 | $819.0M | $548.3M | ||
| Q1 25 | $814.7M | $530.6M | ||
| Q4 24 | $758.3M | $554.5M | ||
| Q3 24 | $822.5M | $540.1M | ||
| Q2 24 | $748.4M | $532.7M |
总资产CASHOSW
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $707.1M | ||
| Q3 25 | $7.2B | $732.6M | ||
| Q2 25 | $7.2B | $731.8M | ||
| Q1 25 | $7.0B | $708.7M | ||
| Q4 24 | $7.6B | $746.4M | ||
| Q3 24 | $7.5B | $734.0M | ||
| Q2 24 | $7.5B | $756.8M |
负债/权益比CASHOSW
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.15× | ||
| Q3 25 | 0.04× | 0.15× | ||
| Q2 25 | 0.04× | 0.18× | ||
| Q1 25 | 0.04× | 0.18× | ||
| Q4 24 | 0.04× | 0.18× | ||
| Q3 24 | 0.04× | 0.18× | ||
| Q2 24 | 0.04× | 0.23× |
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 | — | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $14.9M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 1.65× |
| 过去12个月自由现金流最近4个季度 | — | $68.4M |
8季度趋势，按日历期对齐
经营现金流CASHOSW
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $20.0M | ||
| Q3 25 | $303.7M | $33.2M | ||
| Q2 25 | $30.4M | $20.3M | ||
| Q1 25 | $188.3M | $10.1M | ||
| Q4 24 | $-71.7M | $16.6M | ||
| Q3 24 | $143.1M | $28.6M | ||
| Q2 24 | $113.2M | $18.7M |
自由现金流CASHOSW
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $14.9M | ||
| Q3 25 | $300.3M | $27.6M | ||
| Q2 25 | $27.7M | $17.6M | ||
| Q1 25 | $184.7M | $8.4M | ||
| Q4 24 | $-73.8M | $13.2M | ||
| Q3 24 | $138.8M | $27.5M | ||
| Q2 24 | $111.0M | $17.6M |
自由现金流率CASHOSW
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 6.2% | ||
| Q3 25 | 160.9% | 10.7% | ||
| Q2 25 | 14.1% | 7.3% | ||
| Q1 25 | 67.2% | 3.8% | ||
| Q4 24 | -40.4% | 6.1% | ||
| Q3 24 | 77.3% | 11.4% | ||
| Q2 24 | 58.8% | 7.8% |
资本支出强度CASHOSW
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.1% | ||
| Q3 25 | 1.8% | 2.2% | ||
| Q2 25 | 1.4% | 1.1% | ||
| Q1 25 | 1.3% | 0.8% | ||
| Q4 24 | 1.1% | 1.5% | ||
| Q3 24 | 2.4% | 0.5% | ||
| Q2 24 | 1.2% | 0.5% |
现金转化率CASHOSW
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.65× | ||
| Q3 25 | 7.83× | 1.36× | ||
| Q2 25 | 0.72× | 1.02× | ||
| Q1 25 | 2.51× | 0.66× | ||
| Q4 24 | -2.39× | 1.15× | ||
| Q3 24 | 4.27× | 1.33× | ||
| Q2 24 | 2.52× | 1.19× |
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% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
