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PATHWARD FINANCIAL, INC.（CASH）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是PATHWARD FINANCIAL, INC.的1.3倍（$349.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -10.8%，领先37.2%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 13.8%）
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。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
CASH vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.3倍
$276.3M
净利率更高
CASH
高出37.2%
-10.8%
两年增速更快
CASH
近两年复合增速
13.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $349.1M |
| 净利润 | $72.9M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 26.4% | -10.8% |
| 营收同比 | — | 15.6% |
| 净利润同比 | — | 39.6% |
| 每股收益（稀释后） | $3.35 | $-0.25 |
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CASHPCOR
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $349.1M | ||
| Q3 25 | $186.7M | $338.9M | ||
| Q2 25 | $195.8M | $323.9M | ||
| Q1 25 | $274.8M | $310.6M | ||
| Q4 24 | $182.6M | $302.0M | ||
| Q3 24 | $179.5M | $295.9M | ||
| Q2 24 | $188.6M | $284.3M |
净利润CASHPCOR
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-37.6M | ||
| Q3 25 | $38.8M | $-9.1M | ||
| Q2 25 | $42.1M | $-21.1M | ||
| Q1 25 | $75.0M | $-33.0M | ||
| Q4 24 | $30.0M | $-62.3M | ||
| Q3 24 | $33.5M | $-26.4M | ||
| Q2 24 | $44.9M | $-6.3M |
毛利率CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% |
营业利润率CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -12.3% | ||
| Q3 25 | 25.9% | -4.4% | ||
| Q2 25 | 24.1% | -9.3% | ||
| Q1 25 | 33.2% | -11.7% | ||
| Q4 24 | 19.8% | -21.9% | ||
| Q3 24 | 20.9% | -12.3% | ||
| Q2 24 | 27.1% | -5.2% |
净利率CASHPCOR
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -10.8% | ||
| Q3 25 | 20.8% | -2.7% | ||
| Q2 25 | 21.5% | -6.5% | ||
| Q1 25 | 27.3% | -10.6% | ||
| Q4 24 | 16.4% | -20.6% | ||
| Q3 24 | 18.7% | -8.9% | ||
| Q2 24 | 23.8% | -2.2% |
每股收益（稀释后）CASHPCOR
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.25 | ||
| Q3 25 | $1.69 | $-0.06 | ||
| Q2 25 | $1.81 | $-0.14 | ||
| Q1 25 | $3.14 | $-0.22 | ||
| Q4 24 | $1.23 | $-0.42 | ||
| Q3 24 | $1.34 | $-0.18 | ||
| Q2 24 | $1.78 | $-0.04 |
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 | $768.5M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $1.3B |
| 总资产 | $7.1B | $2.2B |
| 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CASHPCOR
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $768.5M | ||
| Q3 25 | $120.6M | $684.0M | ||
| Q2 25 | $258.3M | $620.9M | ||
| Q1 25 | $254.2M | $566.7M | ||
| Q4 24 | $597.4M | $775.4M | ||
| Q3 24 | $158.3M | $756.9M | ||
| Q2 24 | $298.9M | $735.4M |
总债务CASHPCOR
| 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CASHPCOR
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.3B | ||
| Q3 25 | $858.0M | $1.2B | ||
| Q2 25 | $819.0M | $1.2B | ||
| Q1 25 | $814.7M | $1.2B | ||
| Q4 24 | $758.3M | $1.3B | ||
| Q3 24 | $822.5M | $1.3B | ||
| Q2 24 | $748.4M | $1.3B |
总资产CASHPCOR
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.2B | ||
| Q3 25 | $7.2B | $2.1B | ||
| Q2 25 | $7.2B | $2.0B | ||
| Q1 25 | $7.0B | $1.9B | ||
| Q4 24 | $7.6B | $2.1B | ||
| Q3 24 | $7.5B | $2.0B | ||
| Q2 24 | $7.5B | $2.0B |
负债/权益比CASHPCOR
| 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 | — | $114.9M |
| 自由现金流经营现金流 - 资本支出 | — | $109.2M |
| 自由现金流率自由现金流/营收 | — | 31.3% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $282.2M |
8季度趋势，按日历期对齐
经营现金流CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $114.9M | ||
| Q3 25 | $303.7M | $88.5M | ||
| Q2 25 | $30.4M | $30.8M | ||
| Q1 25 | $188.3M | $66.0M | ||
| Q4 24 | $-71.7M | $29.1M | ||
| Q3 24 | $143.1M | $39.3M | ||
| Q2 24 | $113.2M | $58.7M |
自由现金流CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $109.2M | ||
| Q3 25 | $300.3M | $83.1M | ||
| Q2 25 | $27.7M | $27.9M | ||
| Q1 25 | $184.7M | $62.0M | ||
| Q4 24 | $-73.8M | $17.4M | ||
| Q3 24 | $138.8M | $35.7M | ||
| Q2 24 | $111.0M | $56.8M |
自由现金流率CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 31.3% | ||
| Q3 25 | 160.9% | 24.5% | ||
| Q2 25 | 14.1% | 8.6% | ||
| Q1 25 | 67.2% | 20.0% | ||
| Q4 24 | -40.4% | 5.8% | ||
| Q3 24 | 77.3% | 12.1% | ||
| Q2 24 | 58.8% | 20.0% |
资本支出强度CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.6% | ||
| Q3 25 | 1.8% | 1.6% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.3% | 1.3% | ||
| Q4 24 | 1.1% | 3.9% | ||
| Q3 24 | 2.4% | 1.2% | ||
| Q2 24 | 1.2% | 0.7% |
现金转化率CASHPCOR
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| 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% |
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
