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PATHWARD FINANCIAL, INC.（CASH）与福尼克斯（PLAB）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是福尼克斯的1.3倍（$276.3M vs $210.4M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 10.9%，领先15.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -3.8%）
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。
福尼克斯是美国半导体光掩模制造商，2009年时位居全球第三大光掩模供应商，同时也是电子束产业倡议组织的成员，专注于为半导体行业提供关键的掩模产品，支撑芯片制造环节的图形转移需求。
CASH vs PLAB — 直观对比
营收规模更大
CASH
是对方的1.3倍
$210.4M
净利率更高
CASH
高出15.5%
10.9%
两年增速更快
CASH
近两年复合增速
-3.8%
损益表 — Q2 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $210.4M |
| 净利润 | $72.9M | $22.9M |
| 毛利率 | — | 33.7% |
| 营业利润率 | — | 22.9% |
| 净利率 | 26.4% | 10.9% |
| 营收同比 | — | -5.5% |
| 净利润同比 | — | -32.4% |
| 每股收益（稀释后） | $3.35 | $0.39 |
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CASHPLAB
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | — | ||
| Q3 25 | $186.7M | $210.4M | ||
| Q2 25 | $195.8M | $211.0M | ||
| Q1 25 | $274.8M | $212.1M | ||
| Q4 24 | $182.6M | $222.6M | ||
| Q3 24 | $179.5M | $211.0M | ||
| Q2 24 | $188.6M | $217.0M |
净利润CASHPLAB
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $22.9M | ||
| Q2 25 | $42.1M | $8.9M | ||
| Q1 25 | $75.0M | $42.9M | ||
| Q4 24 | $30.0M | $33.9M | ||
| Q3 24 | $33.5M | $34.4M | ||
| Q2 24 | $44.9M | $36.3M |
毛利率CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 33.7% | ||
| Q2 25 | — | 36.9% | ||
| Q1 25 | — | 35.6% | ||
| Q4 24 | — | 37.0% | ||
| Q3 24 | — | 35.6% | ||
| Q2 24 | — | 36.5% |
营业利润率CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | — | ||
| Q3 25 | 25.9% | 22.9% | ||
| Q2 25 | 24.1% | 26.4% | ||
| Q1 25 | 33.2% | 24.6% | ||
| Q4 24 | 19.8% | 25.1% | ||
| Q3 24 | 20.9% | 24.7% | ||
| Q2 24 | 27.1% | 25.8% |
净利率CASHPLAB
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | 10.9% | ||
| Q2 25 | 21.5% | 4.2% | ||
| Q1 25 | 27.3% | 20.2% | ||
| Q4 24 | 16.4% | 15.2% | ||
| Q3 24 | 18.7% | 16.3% | ||
| Q2 24 | 23.8% | 16.7% |
每股收益（稀释后）CASHPLAB
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | $0.39 | ||
| Q2 25 | $1.81 | $0.15 | ||
| Q1 25 | $3.14 | $0.68 | ||
| Q4 24 | $1.23 | $0.54 | ||
| Q3 24 | $1.34 | $0.55 | ||
| Q2 24 | $1.78 | $0.58 |
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 | $575.8M |
| 总债务越低越好 | $59.5M | $16.0K |
| 股东权益账面价值 | $850.7M | $1.1B |
| 总资产 | $7.1B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CASHPLAB
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | $575.8M | ||
| Q2 25 | $258.3M | $558.4M | ||
| Q1 25 | $254.2M | $642.2M | ||
| Q4 24 | $597.4M | $640.7M | ||
| Q3 24 | $158.3M | $606.4M | ||
| Q2 24 | $298.9M | $559.9M |
总债务CASHPLAB
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | $16.0K | ||
| Q2 25 | $33.4M | $19.0K | ||
| Q1 25 | $33.4M | $21.0K | ||
| Q4 24 | $33.4M | $25.0K | ||
| Q3 24 | $33.4M | $28.0K | ||
| Q2 24 | $33.3M | $2.5M |
股东权益CASHPLAB
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | — | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.1B | ||
| Q3 24 | $822.5M | $1.1B | ||
| Q2 24 | $748.4M | $1.0B |
总资产CASHPLAB
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | — | ||
| Q3 25 | $7.2B | $1.8B | ||
| Q2 25 | $7.2B | $1.7B | ||
| Q1 25 | $7.0B | $1.7B | ||
| Q4 24 | $7.6B | $1.7B | ||
| Q3 24 | $7.5B | $1.6B | ||
| Q2 24 | $7.5B | $1.6B |
负债/权益比CASHPLAB
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | 0.00× | ||
| Q2 25 | 0.04× | 0.00× | ||
| Q1 25 | 0.04× | 0.00× | ||
| Q4 24 | 0.04× | 0.00× | ||
| Q3 24 | 0.04× | 0.00× | ||
| Q2 24 | 0.04× | 0.00× |
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 | — | $50.1M |
| 自由现金流经营现金流 - 资本支出 | — | $25.2M |
| 自由现金流率自由现金流/营收 | — | 12.0% |
| 资本支出强度资本支出/营收 | — | 11.8% |
| 现金转化率经营现金流/净利润 | — | 2.19× |
| 过去12个月自由现金流最近4个季度 | — | $64.5M |
8季度趋势，按日历期对齐
经营现金流CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | — | ||
| Q3 25 | $303.7M | $50.1M | ||
| Q2 25 | $30.4M | $31.5M | ||
| Q1 25 | $188.3M | $78.5M | ||
| Q4 24 | $-71.7M | $68.4M | ||
| Q3 24 | $143.1M | $75.1M | ||
| Q2 24 | $113.2M | $76.5M |
自由现金流CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | $25.2M | ||
| Q2 25 | $27.7M | $-29.1M | ||
| Q1 25 | $184.7M | $43.3M | ||
| Q4 24 | $-73.8M | $25.2M | ||
| Q3 24 | $138.8M | $50.7M | ||
| Q2 24 | $111.0M | $56.5M |
自由现金流率CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | 12.0% | ||
| Q2 25 | 14.1% | -13.8% | ||
| Q1 25 | 67.2% | 20.4% | ||
| Q4 24 | -40.4% | 11.3% | ||
| Q3 24 | 77.3% | 24.0% | ||
| Q2 24 | 58.8% | 26.0% |
资本支出强度CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | 11.8% | ||
| Q2 25 | 1.4% | 28.7% | ||
| Q1 25 | 1.3% | 16.6% | ||
| Q4 24 | 1.1% | 19.4% | ||
| Q3 24 | 2.4% | 11.6% | ||
| Q2 24 | 1.2% | 9.2% |
现金转化率CASHPLAB
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 2.19× | ||
| Q2 25 | 0.72× | 3.55× | ||
| Q1 25 | 2.51× | 1.83× | ||
| Q4 24 | -2.39× | 2.02× | ||
| Q3 24 | 4.27× | 2.18× | ||
| Q2 24 | 2.52× | 2.11× |
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% |
PLAB
| High End Integrated Circuits | $53.6M | 25% |
| High End Flat Panel Displays | $53.5M | 25% |
| KR | $43.7M | 21% |
| Other | $42.1M | 20% |
| Mainstream Flat Panel Displays | $9.1M | 4% |
| Transferred At Point In Time | $8.4M | 4% |
