vs
PATHWARD FINANCIAL, INC.（CASH）与UiPath, Inc.（PATH）财务数据对比。点击上方公司名可切换其他公司
UiPath, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$411.1M vs $276.3M），UiPath, Inc.净利率更高（48.4% vs 26.4%，领先22.0%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 0.7%）
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。
UiPath是一家全球化软件企业，专注于开发人工智能、智能自动化及流程编排类软件，其产品支持用户搭建与调度AI代理，实现复杂业务流程、工作流的自动化运行，助力各行业客户提升运营效率、降低人力成本。
CASH vs PATH — 直观对比
营收规模更大
PATH
是对方的1.5倍
$276.3M
净利率更高
PATH
高出22.0%
26.4%
两年增速更快
CASH
近两年复合增速
0.7%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $411.1M |
| 净利润 | $72.9M | $198.8M |
| 毛利率 | — | 83.3% |
| 营业利润率 | — | 3.2% |
| 净利率 | 26.4% | 48.4% |
| 营收同比 | — | 15.9% |
| 净利润同比 | — | 1966.2% |
| 每股收益（稀释后） | $3.35 | $0.37 |
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CASHPATH
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $411.1M | ||
| Q3 25 | $186.7M | $361.7M | ||
| Q2 25 | $195.8M | $356.6M | ||
| Q1 25 | $274.8M | $423.6M | ||
| Q4 24 | $182.6M | $354.7M | ||
| Q3 24 | $179.5M | $316.3M | ||
| Q2 24 | $188.6M | $335.1M |
净利润CASHPATH
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $198.8M | ||
| Q3 25 | $38.8M | $1.6M | ||
| Q2 25 | $42.1M | $-22.6M | ||
| Q1 25 | $75.0M | $51.8M | ||
| Q4 24 | $30.0M | $-10.7M | ||
| Q3 24 | $33.5M | $-86.1M | ||
| Q2 24 | $44.9M | $-28.7M |
毛利率CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | — | 83.3% | ||
| Q3 25 | — | 82.2% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 84.8% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.0% | ||
| Q2 24 | — | 83.5% |
营业利润率CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 3.2% | ||
| Q3 25 | 25.9% | -5.6% | ||
| Q2 25 | 24.1% | -4.6% | ||
| Q1 25 | 33.2% | 7.9% | ||
| Q4 24 | 19.8% | -12.2% | ||
| Q3 24 | 20.9% | -32.7% | ||
| Q2 24 | 27.1% | -14.8% |
净利率CASHPATH
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 48.4% | ||
| Q3 25 | 20.8% | 0.4% | ||
| Q2 25 | 21.5% | -6.3% | ||
| Q1 25 | 27.3% | 12.2% | ||
| Q4 24 | 16.4% | -3.0% | ||
| Q3 24 | 18.7% | -27.2% | ||
| Q2 24 | 23.8% | -8.6% |
每股收益（稀释后）CASHPATH
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.37 | ||
| Q3 25 | $1.69 | $0.00 | ||
| Q2 25 | $1.81 | $-0.04 | ||
| Q1 25 | $3.14 | $0.09 | ||
| Q4 24 | $1.23 | $-0.02 | ||
| Q3 24 | $1.34 | $-0.15 | ||
| Q2 24 | $1.78 | $-0.05 |
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 | $1.4B |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $1.9B |
| 总资产 | $7.1B | $2.9B |
| 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CASHPATH
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $1.4B | ||
| Q3 25 | $120.6M | $1.4B | ||
| Q2 25 | $258.3M | $1.6B | ||
| Q1 25 | $254.2M | $1.6B | ||
| Q4 24 | $597.4M | $1.6B | ||
| Q3 24 | $158.3M | $1.7B | ||
| Q2 24 | $298.9M | $1.9B |
总债务CASHPATH
| Q1 26 | $59.5M | — | ||
| 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 | — |
股东权益CASHPATH
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.9B | ||
| Q3 25 | $858.0M | $1.7B | ||
| Q2 25 | $819.0M | $1.7B | ||
| Q1 25 | $814.7M | $1.8B | ||
| Q4 24 | $758.3M | $1.7B | ||
| Q3 24 | $822.5M | $1.8B | ||
| Q2 24 | $748.4M | $2.0B |
总资产CASHPATH
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.9B | ||
| Q3 25 | $7.2B | $2.6B | ||
| Q2 25 | $7.2B | $2.6B | ||
| Q1 25 | $7.0B | $2.9B | ||
| Q4 24 | $7.6B | $2.7B | ||
| Q3 24 | $7.5B | $2.7B | ||
| Q2 24 | $7.5B | $2.8B |
负债/权益比CASHPATH
| Q1 26 | 0.07× | — | ||
| 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× | — |
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 | — | $28.3M |
| 自由现金流经营现金流 - 资本支出 | — | $25.1M |
| 自由现金流率自由现金流/营收 | — | 6.1% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 0.14× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $28.3M | ||
| Q3 25 | $303.7M | $41.6M | ||
| Q2 25 | $30.4M | $119.0M | ||
| Q1 25 | $188.3M | $146.1M | ||
| Q4 24 | $-71.7M | $28.1M | ||
| Q3 24 | $143.1M | $46.4M | ||
| Q2 24 | $113.2M | $100.0M |
自由现金流CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $25.1M | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | $106.2M | ||
| Q1 25 | $184.7M | $138.7M | ||
| Q4 24 | $-73.8M | $23.2M | ||
| Q3 24 | $138.8M | $45.0M | ||
| Q2 24 | $111.0M | $98.8M |
自由现金流率CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 6.1% | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | 29.8% | ||
| Q1 25 | 67.2% | 32.7% | ||
| Q4 24 | -40.4% | 6.5% | ||
| Q3 24 | 77.3% | 14.2% | ||
| Q2 24 | 58.8% | 29.5% |
资本支出强度CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.8% | ||
| Q3 25 | 1.8% | 0.0% | ||
| Q2 25 | 1.4% | 3.6% | ||
| Q1 25 | 1.3% | 1.7% | ||
| Q4 24 | 1.1% | 1.4% | ||
| Q3 24 | 2.4% | 0.4% | ||
| Q2 24 | 1.2% | 0.4% |
现金转化率CASHPATH
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.14× | ||
| Q3 25 | 7.83× | 26.25× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 2.82× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — |
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% |
PATH
| Subscription Services | $247.6M | 60% |
| License | $150.0M | 36% |
| Professional Services And Other | $13.5M | 3% |
