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PATHWARD FINANCIAL, INC.（CASH）与通用动力（PLOW）财务数据对比。点击上方公司名可切换其他公司
通用动力的季度营收约是PATHWARD FINANCIAL, INC.的1.1倍（$184.5M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 7.0%，领先13.4%），通用动力同比增速更快（28.6% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $92.8M），过去两年通用动力的营收复合增速更高（38.9% 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。
通用动力公司是总部位于美国弗吉尼亚州雷斯顿的工业与科技企业，核心业务是研发制造各类先进军用装备，产品包括核潜艇、主战坦克、装甲战车等，同时也生产民用湾流公务机，并提供信息技术服务，是美国联邦政府前五大国防承包商之一。
CASH vs PLOW — 直观对比
营收规模更大
PLOW
是对方的1.1倍
$173.1M
营收增速更快
PLOW
高出28.8%
-0.2%
净利率更高
CASH
高出13.4%
7.0%
自由现金流更多
CASH
多$11.2M
$92.8M
两年增速更快
PLOW
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $184.5M |
| 净利润 | $35.2M | $12.8M |
| 毛利率 | — | 26.1% |
| 营业利润率 | 24.6% | 10.5% |
| 净利率 | 20.3% | 7.0% |
| 营收同比 | -0.2% | 28.6% |
| 净利润同比 | 11.9% | 62.3% |
| 每股收益（稀释后） | $1.57 | $0.54 |
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CASHPLOW
| Q4 25 | $173.1M | $184.5M | ||
| Q3 25 | $186.7M | $162.1M | ||
| Q2 25 | $195.8M | $194.3M | ||
| Q1 25 | $274.8M | $115.1M | ||
| Q4 24 | $182.6M | $143.5M | ||
| Q3 24 | $179.5M | $129.4M | ||
| Q2 24 | $188.6M | $199.9M | ||
| Q1 24 | $257.6M | $95.7M |
净利润CASHPLOW
| Q4 25 | $35.2M | $12.8M | ||
| Q3 25 | $38.8M | $8.0M | ||
| Q2 25 | $42.1M | $26.0M | ||
| Q1 25 | $75.0M | $148.0K | ||
| Q4 24 | $30.0M | $7.9M | ||
| Q3 24 | $33.5M | $32.3M | ||
| Q2 24 | $44.9M | $24.3M | ||
| Q1 24 | $69.9M | $-8.4M |
毛利率CASHPLOW
| Q4 25 | — | 26.1% | ||
| Q3 25 | — | 23.5% | ||
| Q2 25 | — | 31.0% | ||
| Q1 25 | — | 24.5% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 30.7% | ||
| Q1 24 | — | 19.8% |
营业利润率CASHPLOW
| Q4 25 | 24.6% | 10.5% | ||
| Q3 25 | 25.9% | 8.7% | ||
| Q2 25 | 24.1% | 19.0% | ||
| Q1 25 | 33.2% | 2.8% | ||
| Q4 24 | 19.8% | 9.0% | ||
| Q3 24 | 20.9% | 35.4% | ||
| Q2 24 | 27.1% | 18.2% | ||
| Q1 24 | 33.8% | -6.7% |
净利率CASHPLOW
| Q4 25 | 20.3% | 7.0% | ||
| Q3 25 | 20.8% | 4.9% | ||
| Q2 25 | 21.5% | 13.4% | ||
| Q1 25 | 27.3% | 0.1% | ||
| Q4 24 | 16.4% | 5.5% | ||
| Q3 24 | 18.7% | 24.9% | ||
| Q2 24 | 23.8% | 12.2% | ||
| Q1 24 | 27.1% | -8.7% |
每股收益（稀释后）CASHPLOW
| Q4 25 | $1.57 | $0.54 | ||
| Q3 25 | $1.69 | $0.33 | ||
| Q2 25 | $1.81 | $1.09 | ||
| Q1 25 | $3.14 | $0.00 | ||
| Q4 24 | $1.23 | $0.35 | ||
| Q3 24 | $1.34 | $1.36 | ||
| Q2 24 | $1.78 | $1.02 | ||
| Q1 24 | $2.74 | $-0.37 |
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 | — |
| 总债务越低越好 | $33.5M | $144.0M |
| 股东权益账面价值 | $854.5M | $281.4M |
| 总资产 | $7.6B | $626.7M |
| 负债/权益比越低杠杆越低 | 0.04× | 0.51× |
8季度趋势，按日历期对齐
现金及短期投资CASHPLOW
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — | ||
| Q1 24 | $347.9M | — |
总债务CASHPLOW
| Q4 25 | $33.5M | $144.0M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $147.5M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHPLOW
| Q4 25 | $854.5M | $281.4M | ||
| Q3 25 | $858.0M | $275.3M | ||
| Q2 25 | $819.0M | $273.3M | ||
| Q1 25 | $814.7M | $258.9M | ||
| Q4 24 | $758.3M | $264.2M | ||
| Q3 24 | $822.5M | $260.8M | ||
| Q2 24 | $748.4M | $236.7M | ||
| Q1 24 | $719.5M | $217.2M |
总资产CASHPLOW
| Q4 25 | $7.6B | $626.7M | ||
| Q3 25 | $7.2B | $694.9M | ||
| Q2 25 | $7.2B | $671.5M | ||
| Q1 25 | $7.0B | $621.0M | ||
| Q4 24 | $7.6B | $590.0M | ||
| Q3 24 | $7.5B | $665.6M | ||
| Q2 24 | $7.5B | $617.0M | ||
| Q1 24 | $7.4B | $577.1M |
负债/权益比CASHPLOW
| Q4 25 | 0.04× | 0.51× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.56× | ||
| 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 | $95.9M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $92.8M |
| 自由现金流率自由现金流/营收 | 60.1% | 50.3% |
| 资本支出强度资本支出/营收 | 2.4% | 1.7% |
| 现金转化率经营现金流/净利润 | 3.08× | 7.47× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $63.6M |
8季度趋势，按日历期对齐
经营现金流CASHPLOW
| Q4 25 | $108.3M | $95.9M | ||
| Q3 25 | $303.7M | $-8.5M | ||
| Q2 25 | $30.4M | $-11.4M | ||
| Q1 25 | $188.3M | $-1.3M | ||
| Q4 24 | $-71.7M | $74.4M | ||
| Q3 24 | $143.1M | $-14.2M | ||
| Q2 24 | $113.2M | $2.5M | ||
| Q1 24 | $203.0M | $-21.6M |
自由现金流CASHPLOW
| Q4 25 | $104.1M | $92.8M | ||
| Q3 25 | $300.3M | $-11.4M | ||
| Q2 25 | $27.7M | $-14.3M | ||
| Q1 25 | $184.7M | $-3.5M | ||
| Q4 24 | $-73.8M | $70.2M | ||
| Q3 24 | $138.8M | $-15.2M | ||
| Q2 24 | $111.0M | $836.0K | ||
| Q1 24 | $201.3M | $-22.4M |
自由现金流率CASHPLOW
| Q4 25 | 60.1% | 50.3% | ||
| Q3 25 | 160.9% | -7.1% | ||
| Q2 25 | 14.1% | -7.4% | ||
| Q1 25 | 67.2% | -3.0% | ||
| Q4 24 | -40.4% | 48.9% | ||
| Q3 24 | 77.3% | -11.8% | ||
| Q2 24 | 58.8% | 0.4% | ||
| Q1 24 | 78.1% | -23.4% |
资本支出强度CASHPLOW
| Q4 25 | 2.4% | 1.7% | ||
| Q3 25 | 1.8% | 1.8% | ||
| Q2 25 | 1.4% | 1.5% | ||
| Q1 25 | 1.3% | 1.9% | ||
| Q4 24 | 1.1% | 2.9% | ||
| Q3 24 | 2.4% | 0.8% | ||
| Q2 24 | 1.2% | 0.8% | ||
| Q1 24 | 0.7% | 0.8% |
现金转化率CASHPLOW
| Q4 25 | 3.08× | 7.47× | ||
| Q3 25 | 7.83× | -1.07× | ||
| Q2 25 | 0.72× | -0.44× | ||
| Q1 25 | 2.51× | -9.03× | ||
| Q4 24 | -2.39× | 9.41× | ||
| Q3 24 | 4.27× | -0.44× | ||
| Q2 24 | 2.52× | 0.10× | ||
| 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% |
PLOW
| Work Truck Solutions | $101.5M | 55% |
| Transferred At Point In Time | $83.1M | 45% |
