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PATHWARD FINANCIAL, INC.（CASH）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Penguin Solutions, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的2.0倍（$343.1M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 1.5%，领先18.8%），Penguin Solutions, Inc.同比增速更快（0.6% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $28.2M），过去两年Penguin Solutions, Inc.的营收复合增速更高（11.8% 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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
CASH vs PENG — 直观对比
营收规模更大
PENG
是对方的2.0倍
$173.1M
营收增速更快
PENG
高出0.8%
-0.2%
净利率更高
CASH
高出18.8%
1.5%
自由现金流更多
CASH
多$75.9M
$28.2M
两年增速更快
PENG
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $343.1M |
| 净利润 | $35.2M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 24.6% | 5.7% |
| 净利率 | 20.3% | 1.5% |
| 营收同比 | -0.2% | 0.6% |
| 净利润同比 | 11.9% | 1.0% |
| 每股收益（稀释后） | $1.57 | $0.04 |
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CASHPENG
| Q4 25 | $173.1M | $343.1M | ||
| Q3 25 | $186.7M | $337.9M | ||
| Q2 25 | $195.8M | $324.3M | ||
| Q1 25 | $274.8M | $365.5M | ||
| Q4 24 | $182.6M | $341.1M | ||
| Q3 24 | $179.5M | $284.8M | ||
| Q2 24 | $188.6M | $300.6M | ||
| Q1 24 | $257.6M | — |
净利润CASHPENG
| Q4 25 | $35.2M | $5.3M | ||
| Q3 25 | $38.8M | $9.4M | ||
| Q2 25 | $42.1M | $2.7M | ||
| Q1 25 | $75.0M | $8.1M | ||
| Q4 24 | $30.0M | $5.2M | ||
| Q3 24 | $33.5M | — | ||
| Q2 24 | $44.9M | $5.6M | ||
| Q1 24 | $69.9M | — |
毛利率CASHPENG
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
营业利润率CASHPENG
| Q4 25 | 24.6% | 5.7% | ||
| Q3 25 | 25.9% | 3.7% | ||
| Q2 25 | 24.1% | 3.0% | ||
| Q1 25 | 33.2% | 5.1% | ||
| Q4 24 | 19.8% | 5.1% | ||
| Q3 24 | 20.9% | -1.2% | ||
| Q2 24 | 27.1% | 3.8% | ||
| Q1 24 | 33.8% | — |
净利率CASHPENG
| Q4 25 | 20.3% | 1.5% | ||
| Q3 25 | 20.8% | 2.8% | ||
| Q2 25 | 21.5% | 0.8% | ||
| Q1 25 | 27.3% | 2.2% | ||
| Q4 24 | 16.4% | 1.5% | ||
| Q3 24 | 18.7% | — | ||
| Q2 24 | 23.8% | 1.9% | ||
| Q1 24 | 27.1% | — |
每股收益（稀释后）CASHPENG
| Q4 25 | $1.57 | $0.04 | ||
| Q3 25 | $1.69 | $0.10 | ||
| Q2 25 | $1.81 | $-0.01 | ||
| Q1 25 | $3.14 | $0.09 | ||
| Q4 24 | $1.23 | $0.10 | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | $0.10 | ||
| Q1 24 | $2.74 | — |
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 | $461.5M |
| 总债务越低越好 | $33.5M | $462.3M |
| 股东权益账面价值 | $854.5M | $389.7M |
| 总资产 | $7.6B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.04× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资CASHPENG
| Q4 25 | $331.2M | $461.5M | ||
| Q3 25 | $120.6M | $453.8M | ||
| Q2 25 | $258.3M | $735.5M | ||
| Q1 25 | $254.2M | $647.0M | ||
| Q4 24 | $597.4M | $393.7M | ||
| Q3 24 | $158.3M | $389.5M | ||
| Q2 24 | $298.9M | $467.5M | ||
| Q1 24 | $347.9M | — |
总债务CASHPENG
| Q4 25 | $33.5M | $462.3M | ||
| Q3 25 | $33.5M | $461.8M | ||
| Q2 25 | $33.4M | $659.5M | ||
| Q1 25 | $33.4M | $658.8M | ||
| Q4 24 | $33.4M | $658.1M | ||
| Q3 24 | $33.4M | $657.3M | ||
| Q2 24 | $33.3M | $667.0M | ||
| Q1 24 | $33.4M | — |
股东权益CASHPENG
| Q4 25 | $854.5M | $389.7M | ||
| Q3 25 | $858.0M | $394.2M | ||
| Q2 25 | $819.0M | $584.8M | ||
| Q1 25 | $814.7M | $602.5M | ||
| Q4 24 | $758.3M | $400.4M | ||
| Q3 24 | $822.5M | $391.4M | ||
| Q2 24 | $748.4M | $423.4M | ||
| Q1 24 | $719.5M | — |
总资产CASHPENG
| Q4 25 | $7.6B | $1.6B | ||
| Q3 25 | $7.2B | $1.6B | ||
| Q2 25 | $7.2B | $1.8B | ||
| Q1 25 | $7.0B | $1.8B | ||
| Q4 24 | $7.6B | $1.6B | ||
| Q3 24 | $7.5B | $1.5B | ||
| Q2 24 | $7.5B | $1.5B | ||
| Q1 24 | $7.4B | — |
负债/权益比CASHPENG
| Q4 25 | 0.04× | 1.19× | ||
| Q3 25 | 0.04× | 1.17× | ||
| Q2 25 | 0.04× | 1.13× | ||
| Q1 25 | 0.04× | 1.09× | ||
| Q4 24 | 0.04× | 1.64× | ||
| Q3 24 | 0.04× | 1.68× | ||
| Q2 24 | 0.04× | 1.58× | ||
| Q1 24 | 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 | $31.1M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $28.2M |
| 自由现金流率自由现金流/营收 | 60.1% | 8.2% |
| 资本支出强度资本支出/营收 | 2.4% | 0.8% |
| 现金转化率经营现金流/净利润 | 3.08× | 5.89× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $116.3M |
8季度趋势，按日历期对齐
经营现金流CASHPENG
| Q4 25 | $108.3M | $31.1M | ||
| Q3 25 | $303.7M | $-70.4M | ||
| Q2 25 | $30.4M | $92.8M | ||
| Q1 25 | $188.3M | $72.9M | ||
| Q4 24 | $-71.7M | $13.8M | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | $57.9M | ||
| Q1 24 | $203.0M | — |
自由现金流CASHPENG
| Q4 25 | $104.1M | $28.2M | ||
| Q3 25 | $300.3M | $-73.4M | ||
| Q2 25 | $27.7M | $90.9M | ||
| Q1 25 | $184.7M | $70.5M | ||
| Q4 24 | $-73.8M | $12.0M | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | $48.9M | ||
| Q1 24 | $201.3M | — |
自由现金流率CASHPENG
| Q4 25 | 60.1% | 8.2% | ||
| Q3 25 | 160.9% | -21.7% | ||
| Q2 25 | 14.1% | 28.0% | ||
| Q1 25 | 67.2% | 19.3% | ||
| Q4 24 | -40.4% | 3.5% | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | 16.3% | ||
| Q1 24 | 78.1% | — |
资本支出强度CASHPENG
| Q4 25 | 2.4% | 0.8% | ||
| Q3 25 | 1.8% | 0.9% | ||
| Q2 25 | 1.4% | 0.6% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | 3.0% | ||
| Q1 24 | 0.7% | — |
现金转化率CASHPENG
| Q4 25 | 3.08× | 5.89× | ||
| Q3 25 | 7.83× | -7.47× | ||
| Q2 25 | 0.72× | 34.88× | ||
| Q1 25 | 2.51× | 9.02× | ||
| Q4 24 | -2.39× | 2.65× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | 10.30× | ||
| 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% |
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
