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PATHWARD FINANCIAL, INC.（CASH）与OXFORD INDUSTRIES INC（OXM）财务数据对比。点击上方公司名可切换其他公司
OXFORD INDUSTRIES INC的季度营收约是PATHWARD FINANCIAL, INC.的1.8倍（$307.3M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -20.7%，领先41.0%），OXFORD INDUSTRIES INC同比增速更快（-0.2% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $-47.9M），过去两年OXFORD INDUSTRIES INC的营收复合增速更高（-3.0% 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。
牛津工业公司是美国一家上市服装企业，主打高端服装及服饰产品，旗下拥有多个知名品牌，包括汤米·巴哈马、莉莉·普利策、强尼·瓦斯和萨瑟恩泰德等。
CASH vs OXM — 直观对比
营收规模更大
OXM
是对方的1.8倍
$173.1M
营收增速更快
OXM
高出0.0%
-0.2%
净利率更高
CASH
高出41.0%
-20.7%
自由现金流更多
CASH
多$152.0M
$-47.9M
两年增速更快
OXM
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $307.3M |
| 净利润 | $35.2M | $-63.7M |
| 毛利率 | — | 60.3% |
| 营业利润率 | 24.6% | -27.7% |
| 净利率 | 20.3% | -20.7% |
| 营收同比 | -0.2% | -0.2% |
| 净利润同比 | 11.9% | -1517.6% |
| 每股收益（稀释后） | $1.57 | $-4.28 |
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CASHOXM
| Q4 25 | $173.1M | $307.3M | ||
| Q3 25 | $186.7M | $403.1M | ||
| Q2 25 | $195.8M | $392.9M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $308.0M | ||
| Q3 24 | $179.5M | $419.9M | ||
| Q2 24 | $188.6M | $398.2M | ||
| Q1 24 | $257.6M | $404.4M |
净利润CASHOXM
| Q4 25 | $35.2M | $-63.7M | ||
| Q3 25 | $38.8M | $16.7M | ||
| Q2 25 | $42.1M | $26.2M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $-3.9M | ||
| Q3 24 | $33.5M | $40.6M | ||
| Q2 24 | $44.9M | $38.4M | ||
| Q1 24 | $69.9M | $-60.1M |
毛利率CASHOXM
| Q4 25 | — | 60.3% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 64.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | 63.1% | ||
| Q2 24 | — | 64.9% | ||
| Q1 24 | — | 60.9% |
营业利润率CASHOXM
| Q4 25 | 24.6% | -27.7% | ||
| Q3 25 | 25.9% | 6.3% | ||
| Q2 25 | 24.1% | 9.2% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | -2.0% | ||
| Q3 24 | 20.9% | 12.5% | ||
| Q2 24 | 27.1% | 13.2% | ||
| Q1 24 | 33.8% | -20.1% |
净利率CASHOXM
| Q4 25 | 20.3% | -20.7% | ||
| Q3 25 | 20.8% | 4.1% | ||
| Q2 25 | 21.5% | 6.7% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | -1.3% | ||
| Q3 24 | 18.7% | 9.7% | ||
| Q2 24 | 23.8% | 9.6% | ||
| Q1 24 | 27.1% | -14.9% |
每股收益（稀释后）CASHOXM
| Q4 25 | $1.57 | $-4.28 | ||
| Q3 25 | $1.69 | $1.12 | ||
| Q2 25 | $1.81 | $1.70 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $-0.25 | ||
| Q3 24 | $1.34 | $2.57 | ||
| Q2 24 | $1.78 | $2.42 | ||
| Q1 24 | $2.74 | $-3.72 |
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 | $8.0M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $528.0M |
| 总资产 | $7.6B | $1.3B |
| 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CASHOXM
| Q4 25 | $331.2M | $8.0M | ||
| Q3 25 | $120.6M | $6.9M | ||
| Q2 25 | $258.3M | $8.2M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $7.0M | ||
| Q3 24 | $158.3M | $18.4M | ||
| Q2 24 | $298.9M | $7.7M | ||
| Q1 24 | $347.9M | $7.6M |
总债务CASHOXM
| 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 | $29.0M |
股东权益CASHOXM
| Q4 25 | $854.5M | $528.0M | ||
| Q3 25 | $858.0M | $597.1M | ||
| Q2 25 | $819.0M | $592.4M | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $612.2M | ||
| Q3 24 | $822.5M | $621.6M | ||
| Q2 24 | $748.4M | $592.9M | ||
| Q1 24 | $719.5M | $560.9M |
总资产CASHOXM
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.2B | $1.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.2B | ||
| Q2 24 | $7.5B | $1.2B | ||
| Q1 24 | $7.4B | $1.1B |
负债/权益比CASHOXM
| 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× | 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 | $-9.1M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $-47.9M |
| 自由现金流率自由现金流/营收 | 60.1% | -15.6% |
| 资本支出强度资本支出/营收 | 2.4% | 12.6% |
| 现金转化率经营现金流/净利润 | 3.08× | — |
| 过去12个月自由现金流最近4个季度 | $616.8M | $-79.9M |
8季度趋势，按日历期对齐
经营现金流CASHOXM
| Q4 25 | $108.3M | $-9.1M | ||
| Q3 25 | $303.7M | $83.5M | ||
| Q2 25 | $30.4M | $-3.9M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $-18.2M | ||
| Q3 24 | $143.1M | $88.8M | ||
| Q2 24 | $113.2M | $32.9M | ||
| Q1 24 | $203.0M | $74.9M |
自由现金流CASHOXM
| Q4 25 | $104.1M | $-47.9M | ||
| Q3 25 | $300.3M | $52.3M | ||
| Q2 25 | $27.7M | $-27.4M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $-56.9M | ||
| Q3 24 | $138.8M | $47.2M | ||
| Q2 24 | $111.0M | $21.0M | ||
| Q1 24 | $201.3M | $55.3M |
自由现金流率CASHOXM
| Q4 25 | 60.1% | -15.6% | ||
| Q3 25 | 160.9% | 13.0% | ||
| Q2 25 | 14.1% | -7.0% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | -18.5% | ||
| Q3 24 | 77.3% | 11.2% | ||
| Q2 24 | 58.8% | 5.3% | ||
| Q1 24 | 78.1% | 13.7% |
资本支出强度CASHOXM
| Q4 25 | 2.4% | 12.6% | ||
| Q3 25 | 1.8% | 7.7% | ||
| Q2 25 | 1.4% | 6.0% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 12.6% | ||
| Q3 24 | 2.4% | 9.9% | ||
| Q2 24 | 1.2% | 3.0% | ||
| Q1 24 | 0.7% | 4.8% |
现金转化率CASHOXM
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 5.00× | ||
| Q2 25 | 0.72× | -0.15× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 2.19× | ||
| Q2 24 | 2.52× | 0.86× | ||
| 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% |
OXM
| Sales Channel Retail | $162.9M | 53% |
| Sales Channel Wholesale | $61.3M | 20% |
| Johnny Was | $45.4M | 15% |
| Sales Channel Food And Beverage | $29.3M | 10% |
| Other Foreign Countries | $9.0M | 3% |
