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PATHWARD FINANCIAL, INC.（CASH）与PagerDuty, Inc.（PD）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PagerDuty, Inc.的1.4倍（$173.1M vs $124.5M），PagerDuty, Inc.净利率更高（129.7% vs 20.3%，领先109.4%），PagerDuty, Inc.同比增速更快（4.7% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $24.1M），过去两年PagerDuty, Inc.的营收复合增速更高（5.9% 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。
PagerDuty是一家美国云计算企业，主打面向IT运维部门的SaaS事件管理平台，可帮助企业实时响应运维异常、快速定位并处理故障，保障业务系统稳定运行，目前已成为全球IT运维领域广受认可的数字化解决方案服务商。
CASH vs PD — 直观对比
营收规模更大
CASH
是对方的1.4倍
$124.5M
营收增速更快
PD
高出4.9%
-0.2%
净利率更高
PD
高出109.4%
20.3%
自由现金流更多
CASH
多$80.0M
$24.1M
两年增速更快
PD
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $124.5M |
| 净利润 | $35.2M | $161.6M |
| 毛利率 | — | 85.3% |
| 营业利润率 | 24.6% | 6.5% |
| 净利率 | 20.3% | 129.7% |
| 营收同比 | -0.2% | 4.7% |
| 净利润同比 | 11.9% | 2827.7% |
| 每股收益（稀释后） | $1.57 | $1.69 |
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CASHPD
| Q4 25 | $173.1M | $124.5M | ||
| Q3 25 | $186.7M | $123.4M | ||
| Q2 25 | $195.8M | $119.8M | ||
| Q1 25 | $274.8M | $121.4M | ||
| Q4 24 | $182.6M | $118.9M | ||
| Q3 24 | $179.5M | $115.9M | ||
| Q2 24 | $188.6M | $111.2M | ||
| Q1 24 | $257.6M | $111.1M |
净利润CASHPD
| Q4 25 | $35.2M | $161.6M | ||
| Q3 25 | $38.8M | $9.6M | ||
| Q2 25 | $42.1M | $-7.2M | ||
| Q1 25 | $75.0M | $-8.8M | ||
| Q4 24 | $30.0M | $-5.9M | ||
| Q3 24 | $33.5M | $-10.9M | ||
| Q2 24 | $44.9M | $-17.1M | ||
| Q1 24 | $69.9M | $-28.2M |
毛利率CASHPD
| Q4 25 | — | 85.3% | ||
| Q3 25 | — | 84.6% | ||
| Q2 25 | — | 84.0% | ||
| Q1 25 | — | 83.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 82.7% | ||
| Q2 24 | — | 82.6% | ||
| Q1 24 | — | 81.7% |
营业利润率CASHPD
| Q4 25 | 24.6% | 6.5% | ||
| Q3 25 | 25.9% | 2.9% | ||
| Q2 25 | 24.1% | -8.6% | ||
| Q1 25 | 33.2% | -9.6% | ||
| Q4 24 | 19.8% | -8.7% | ||
| Q3 24 | 20.9% | -13.8% | ||
| Q2 24 | 27.1% | -19.5% | ||
| Q1 24 | 33.8% | -30.1% |
净利率CASHPD
| Q4 25 | 20.3% | 129.7% | ||
| Q3 25 | 20.8% | 7.8% | ||
| Q2 25 | 21.5% | -6.0% | ||
| Q1 25 | 27.3% | -7.2% | ||
| Q4 24 | 16.4% | -5.0% | ||
| Q3 24 | 18.7% | -9.4% | ||
| Q2 24 | 23.8% | -15.4% | ||
| Q1 24 | 27.1% | -25.3% |
每股收益（稀释后）CASHPD
| Q4 25 | $1.57 | $1.69 | ||
| Q3 25 | $1.69 | $0.10 | ||
| Q2 25 | $1.81 | $-0.07 | ||
| Q1 25 | $3.14 | $-0.12 | ||
| Q4 24 | $1.23 | $-0.07 | ||
| Q3 24 | $1.34 | $-0.14 | ||
| Q2 24 | $1.78 | $-0.26 | ||
| Q1 24 | $2.74 | $-0.34 |
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 | $547.8M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $320.5M |
| 总资产 | $7.6B | $1.0B |
| 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CASHPD
| Q4 25 | $331.2M | $547.8M | ||
| Q3 25 | $120.6M | $567.9M | ||
| Q2 25 | $258.3M | $597.1M | ||
| Q1 25 | $254.2M | $570.8M | ||
| Q4 24 | $597.4M | $542.2M | ||
| Q3 24 | $158.3M | $599.3M | ||
| Q2 24 | $298.9M | $592.8M | ||
| Q1 24 | $347.9M | $571.2M |
总债务CASHPD
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | $484.5M | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | $489.5M |
股东权益CASHPD
| Q4 25 | $854.5M | $320.5M | ||
| Q3 25 | $858.0M | $180.7M | ||
| Q2 25 | $819.0M | $145.7M | ||
| Q1 25 | $814.7M | $129.8M | ||
| Q4 24 | $758.3M | $111.6M | ||
| Q3 24 | $822.5M | $164.7M | ||
| Q2 24 | $748.4M | $174.0M | ||
| Q1 24 | $719.5M | $171.6M |
总资产CASHPD
| Q4 25 | $7.6B | $1.0B | ||
| Q3 25 | $7.2B | $891.5M | ||
| Q2 25 | $7.2B | $926.8M | ||
| Q1 25 | $7.0B | $927.3M | ||
| Q4 24 | $7.6B | $866.8M | ||
| Q3 24 | $7.5B | $916.0M | ||
| Q2 24 | $7.5B | $924.0M | ||
| Q1 24 | $7.4B | $925.3M |
负债/权益比CASHPD
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | 3.73× | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.05× | 2.85× |
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 | $24.8M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $24.1M |
| 自由现金流率自由现金流/营收 | 60.1% | 19.3% |
| 资本支出强度资本支出/营收 | 2.4% | 0.6% |
| 现金转化率经营现金流/净利润 | 3.08× | 0.15× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $117.6M |
8季度趋势，按日历期对齐
经营现金流CASHPD
| Q4 25 | $108.3M | $24.8M | ||
| Q3 25 | $303.7M | $34.0M | ||
| Q2 25 | $30.4M | $30.7M | ||
| Q1 25 | $188.3M | $31.4M | ||
| Q4 24 | $-71.7M | $22.1M | ||
| Q3 24 | $143.1M | $35.8M | ||
| Q2 24 | $113.2M | $28.6M | ||
| Q1 24 | $203.0M | $22.2M |
自由现金流CASHPD
| Q4 25 | $104.1M | $24.1M | ||
| Q3 25 | $300.3M | $33.1M | ||
| Q2 25 | $27.7M | $30.2M | ||
| Q1 25 | $184.7M | $30.3M | ||
| Q4 24 | $-73.8M | $21.5M | ||
| Q3 24 | $138.8M | $35.1M | ||
| Q2 24 | $111.0M | $28.2M | ||
| Q1 24 | $201.3M | $21.2M |
自由现金流率CASHPD
| Q4 25 | 60.1% | 19.3% | ||
| Q3 25 | 160.9% | 26.8% | ||
| Q2 25 | 14.1% | 25.2% | ||
| Q1 25 | 67.2% | 24.9% | ||
| Q4 24 | -40.4% | 18.1% | ||
| Q3 24 | 77.3% | 30.3% | ||
| Q2 24 | 58.8% | 25.4% | ||
| Q1 24 | 78.1% | 19.1% |
资本支出强度CASHPD
| Q4 25 | 2.4% | 0.6% | ||
| Q3 25 | 1.8% | 0.7% | ||
| Q2 25 | 1.4% | 0.4% | ||
| Q1 25 | 1.3% | 0.9% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.5% | ||
| Q2 24 | 1.2% | 0.4% | ||
| Q1 24 | 0.7% | 0.9% |
现金转化率CASHPD
| Q4 25 | 3.08× | 0.15× | ||
| Q3 25 | 7.83× | 3.55× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| 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% |
PD
| US | $88.8M | 71% |
| Non Us | $35.7M | 29% |
