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PATHWARD FINANCIAL, INC.（CASH）与Childrens Place, Inc.（PLCE）财务数据对比。点击上方公司名可切换其他公司
Childrens Place, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的2.0倍（$339.5M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -1.3%，领先21.6%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -13.0%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $-3.4M），过去两年Childrens Place, Inc.的营收复合增速更高（-13.6% 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。
Children’s Place是专业儿童服饰零售商，产品主要以旗下自有品牌发售，涵盖Gymboree、Sugar & Jade、PJ Place、Crazy 8等。目前该品牌在美国、加拿大、波多黎各共开设约525家门店，同时通过两个线上渠道以及15个国家的5家加盟合作伙伴开展销售，产品涵盖上衣、裙装、鞋履、裤装、睡衣、背包等全品类儿童服饰配件。
CASH vs PLCE — 直观对比
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $339.5M |
| 净利润 | $35.2M | $-4.3M |
| 毛利率 | — | 33.1% |
| 营业利润率 | 24.6% | 1.1% |
| 净利率 | 20.3% | -1.3% |
| 营收同比 | -0.2% | -13.0% |
| 净利润同比 | 11.9% | -121.5% |
| 每股收益（稀释后） | $1.57 | $-0.19 |
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
| Q4 25 | $173.1M | $339.5M | ||
| Q3 25 | $186.7M | $298.0M | ||
| Q2 25 | $195.8M | $242.1M | ||
| Q1 25 | $274.8M | $408.6M | ||
| Q4 24 | $182.6M | $390.2M | ||
| Q3 24 | $179.5M | $319.7M | ||
| Q2 24 | $188.6M | $267.9M | ||
| Q1 24 | $257.6M | $455.0M |
| Q4 25 | $35.2M | $-4.3M | ||
| Q3 25 | $38.8M | $-5.4M | ||
| Q2 25 | $42.1M | $-34.0M | ||
| Q1 25 | $75.0M | $-8.0M | ||
| Q4 24 | $30.0M | $20.1M | ||
| Q3 24 | $33.5M | $-32.1M | ||
| Q2 24 | $44.9M | $-37.8M | ||
| Q1 24 | $69.9M | $-128.8M |
| Q4 25 | — | 33.1% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 29.2% | ||
| Q1 25 | — | 28.5% | ||
| Q4 24 | — | 35.5% | ||
| Q3 24 | — | 35.0% | ||
| Q2 24 | — | 34.6% | ||
| Q1 24 | — | 21.8% |
| Q4 25 | 24.6% | 1.1% | ||
| Q3 25 | 25.9% | 1.4% | ||
| Q2 25 | 24.1% | -10.0% | ||
| Q1 25 | 33.2% | 1.7% | ||
| Q4 24 | 19.8% | 7.5% | ||
| Q3 24 | 20.9% | -6.8% | ||
| Q2 24 | 27.1% | -10.4% | ||
| Q1 24 | 33.8% | -13.6% |
| Q4 25 | 20.3% | -1.3% | ||
| Q3 25 | 20.8% | -1.8% | ||
| Q2 25 | 21.5% | -14.1% | ||
| Q1 25 | 27.3% | -2.0% | ||
| Q4 24 | 16.4% | 5.1% | ||
| Q3 24 | 18.7% | -10.0% | ||
| Q2 24 | 23.8% | -14.1% | ||
| Q1 24 | 27.1% | -28.3% |
| Q4 25 | $1.57 | $-0.19 | ||
| Q3 25 | $1.69 | $-0.24 | ||
| Q2 25 | $1.81 | $-1.57 | ||
| Q1 25 | $3.14 | $-0.60 | ||
| Q4 24 | $1.23 | $1.57 | ||
| Q3 24 | $1.34 | $-2.51 | ||
| Q2 24 | $1.78 | $-2.98 | ||
| Q1 24 | $2.74 | $-10.24 |
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 | $7.3M |
| 总债务越低越好 | $33.5M | $107.4M |
| 股东权益账面价值 | $854.5M | $-8.6M |
| 总资产 | $7.6B | $762.5M |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
| Q4 25 | $331.2M | $7.3M | ||
| Q3 25 | $120.6M | $7.8M | ||
| Q2 25 | $258.3M | $5.7M | ||
| Q1 25 | $254.2M | $5.3M | ||
| Q4 24 | $597.4M | $5.7M | ||
| Q3 24 | $158.3M | $9.6M | ||
| Q2 24 | $298.9M | $13.0M | ||
| Q1 24 | $347.9M | $13.6M |
| Q4 25 | $33.5M | $107.4M | ||
| Q3 25 | $33.5M | $107.2M | ||
| Q2 25 | $33.4M | $107.0M | ||
| Q1 25 | $33.4M | $166.0M | ||
| Q4 24 | $33.4M | $165.7M | ||
| Q3 24 | $33.4M | $165.4M | ||
| Q2 24 | $33.3M | $166.6M | ||
| Q1 24 | $33.4M | $49.8M |
| Q4 25 | $854.5M | $-8.6M | ||
| Q3 25 | $858.0M | $-4.9M | ||
| Q2 25 | $819.0M | $1.4M | ||
| Q1 25 | $814.7M | $-59.4M | ||
| Q4 24 | $758.3M | $-49.6M | ||
| Q3 24 | $822.5M | $-68.9M | ||
| Q2 24 | $748.4M | $-34.9M | ||
| Q1 24 | $719.5M | $-9.0M |
| Q4 25 | $7.6B | $762.5M | ||
| Q3 25 | $7.2B | $805.1M | ||
| Q2 25 | $7.2B | $779.6M | ||
| Q1 25 | $7.0B | $747.6M | ||
| Q4 24 | $7.6B | $888.8M | ||
| Q3 24 | $7.5B | $921.4M | ||
| Q2 24 | $7.5B | $848.3M | ||
| Q1 24 | $7.4B | $800.3M |
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | 75.63× | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| 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 | $6.2M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $-3.4M |
| 自由现金流率自由现金流/营收 | 60.1% | -1.0% |
| 资本支出强度资本支出/营收 | 2.4% | 2.8% |
| 现金转化率经营现金流/净利润 | 3.08× | — |
| 过去12个月自由现金流最近4个季度 | $616.8M | $39.5M |
8季度趋势，按日历期对齐
| Q4 25 | $108.3M | $6.2M | ||
| Q3 25 | $303.7M | $-30.5M | ||
| Q2 25 | $30.4M | $-43.0M | ||
| Q1 25 | $188.3M | $121.3M | ||
| Q4 24 | $-71.7M | $-44.2M | ||
| Q3 24 | $143.1M | $-83.9M | ||
| Q2 24 | $113.2M | $-110.8M | ||
| Q1 24 | $203.0M | $135.4M |
| Q4 25 | $104.1M | $-3.4M | ||
| Q3 25 | $300.3M | $-31.9M | ||
| Q2 25 | $27.7M | $-46.4M | ||
| Q1 25 | $184.7M | $121.2M | ||
| Q4 24 | $-73.8M | $-47.7M | ||
| Q3 24 | $138.8M | $-91.7M | ||
| Q2 24 | $111.0M | $-115.5M | ||
| Q1 24 | $201.3M | $132.2M |
| Q4 25 | 60.1% | -1.0% | ||
| Q3 25 | 160.9% | -10.7% | ||
| Q2 25 | 14.1% | -19.2% | ||
| Q1 25 | 67.2% | 29.7% | ||
| Q4 24 | -40.4% | -12.2% | ||
| Q3 24 | 77.3% | -28.7% | ||
| Q2 24 | 58.8% | -43.1% | ||
| Q1 24 | 78.1% | 29.1% |
| Q4 25 | 2.4% | 2.8% | ||
| Q3 25 | 1.8% | 0.5% | ||
| Q2 25 | 1.4% | 1.4% | ||
| Q1 25 | 1.3% | 0.0% | ||
| Q4 24 | 1.1% | 0.9% | ||
| Q3 24 | 2.4% | 2.4% | ||
| Q2 24 | 1.2% | 1.8% | ||
| Q1 24 | 0.7% | 0.7% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | -2.20× | ||
| 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% |
PLCE
| The Childrens Place US | $307.4M | 91% |
| The Childrens Place International | $32.1M | 9% |
| Gift Cards | $1.7M | 1% |
