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PATHWARD FINANCIAL, INC.（CASH）与Pennant Group, Inc.（PNTG）财务数据对比。点击上方公司名可切换其他公司
Pennant Group, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.7倍（$289.3M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 3.0%，领先17.3%），Pennant Group, Inc.同比增速更快（53.2% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $17.4M），过去两年Pennant Group, Inc.的营收复合增速更高（35.8% 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。
Pennant Group, Inc.是一家总部位于美国的医疗服务企业，主营家庭健康护理、临终关怀、长者居住服务及专业护理服务，业务覆盖美国数十个州，核心服务对象为老年及有特殊医疗需求的弱势人群。
CASH vs PNTG — 直观对比
营收规模更大
PNTG
是对方的1.7倍
$173.1M
营收增速更快
PNTG
高出53.4%
-0.2%
净利率更高
CASH
高出17.3%
3.0%
自由现金流更多
CASH
多$86.7M
$17.4M
两年增速更快
PNTG
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $289.3M |
| 净利润 | $35.2M | $8.6M |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | 6.0% |
| 净利率 | 20.3% | 3.0% |
| 营收同比 | -0.2% | 53.2% |
| 净利润同比 | 11.9% | 50.0% |
| 每股收益（稀释后） | $1.57 | $0.25 |
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CASHPNTG
| Q4 25 | $173.1M | $289.3M | ||
| Q3 25 | $186.7M | $229.0M | ||
| Q2 25 | $195.8M | $219.5M | ||
| Q1 25 | $274.8M | $209.8M | ||
| Q4 24 | $182.6M | $188.9M | ||
| Q3 24 | $179.5M | $180.7M | ||
| Q2 24 | $188.6M | $168.7M | ||
| Q1 24 | $257.6M | $156.9M |
净利润CASHPNTG
| Q4 25 | $35.2M | $8.6M | ||
| Q3 25 | $38.8M | $6.1M | ||
| Q2 25 | $42.1M | $7.1M | ||
| Q1 25 | $75.0M | $7.8M | ||
| Q4 24 | $30.0M | $5.8M | ||
| Q3 24 | $33.5M | $6.2M | ||
| Q2 24 | $44.9M | $5.7M | ||
| Q1 24 | $69.9M | $4.9M |
营业利润率CASHPNTG
| Q4 25 | 24.6% | 6.0% | ||
| Q3 25 | 25.9% | 4.5% | ||
| Q2 25 | 24.1% | 5.3% | ||
| Q1 25 | 33.2% | 6.0% | ||
| Q4 24 | 19.8% | 4.9% | ||
| Q3 24 | 20.9% | 6.0% | ||
| Q2 24 | 27.1% | 5.7% | ||
| Q1 24 | 33.8% | 5.4% |
净利率CASHPNTG
| Q4 25 | 20.3% | 3.0% | ||
| Q3 25 | 20.8% | 2.7% | ||
| Q2 25 | 21.5% | 3.2% | ||
| Q1 25 | 27.3% | 3.7% | ||
| Q4 24 | 16.4% | 3.0% | ||
| Q3 24 | 18.7% | 3.4% | ||
| Q2 24 | 23.8% | 3.4% | ||
| Q1 24 | 27.1% | 3.1% |
每股收益（稀释后）CASHPNTG
| Q4 25 | $1.57 | $0.25 | ||
| Q3 25 | $1.69 | $0.17 | ||
| Q2 25 | $1.81 | $0.20 | ||
| Q1 25 | $3.14 | $0.22 | ||
| Q4 24 | $1.23 | $0.16 | ||
| Q3 24 | $1.34 | $0.20 | ||
| Q2 24 | $1.78 | $0.18 | ||
| Q1 24 | $2.74 | $0.16 |
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 | $168.8M |
| 股东权益账面价值 | $854.5M | $374.3M |
| 总资产 | $7.6B | $968.2M |
| 负债/权益比越低杠杆越低 | 0.04× | 0.45× |
8季度趋势，按日历期对齐
现金及短期投资CASHPNTG
| 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CASHPNTG
| Q4 25 | $33.5M | $168.8M | ||
| Q3 25 | $33.5M | $26.0M | ||
| Q2 25 | $33.4M | $37.0M | ||
| Q1 25 | $33.4M | $52.5M | ||
| Q4 24 | $33.4M | $0 | ||
| Q3 24 | $33.4M | $108.9M | ||
| Q2 24 | $33.3M | $82.2M | ||
| Q1 24 | $33.4M | $83.3M |
股东权益CASHPNTG
| Q4 25 | $854.5M | $374.3M | ||
| Q3 25 | $858.0M | $343.0M | ||
| Q2 25 | $819.0M | $333.6M | ||
| Q1 25 | $814.7M | $323.0M | ||
| Q4 24 | $758.3M | $312.0M | ||
| Q3 24 | $822.5M | $187.3M | ||
| Q2 24 | $748.4M | $173.0M | ||
| Q1 24 | $719.5M | $164.2M |
总资产CASHPNTG
| Q4 25 | $7.6B | $968.2M | ||
| Q3 25 | $7.2B | $753.6M | ||
| Q2 25 | $7.2B | $751.4M | ||
| Q1 25 | $7.0B | $743.6M | ||
| Q4 24 | $7.6B | $679.5M | ||
| Q3 24 | $7.5B | $646.8M | ||
| Q2 24 | $7.5B | $602.5M | ||
| Q1 24 | $7.4B | $578.2M |
负债/权益比CASHPNTG
| Q4 25 | 0.04× | 0.45× | ||
| Q3 25 | 0.04× | 0.08× | ||
| Q2 25 | 0.04× | 0.11× | ||
| Q1 25 | 0.04× | 0.16× | ||
| Q4 24 | 0.04× | 0.00× | ||
| Q3 24 | 0.04× | 0.58× | ||
| Q2 24 | 0.04× | 0.48× | ||
| Q1 24 | 0.05× | 0.51× |
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 | $21.0M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $17.4M |
| 自由现金流率自由现金流/营收 | 60.1% | 6.0% |
| 资本支出强度资本支出/营收 | 2.4% | 1.2% |
| 现金转化率经营现金流/净利润 | 3.08× | 2.43× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $36.3M |
8季度趋势，按日历期对齐
经营现金流CASHPNTG
| Q4 25 | $108.3M | $21.0M | ||
| Q3 25 | $303.7M | $13.9M | ||
| Q2 25 | $30.4M | $34.6M | ||
| Q1 25 | $188.3M | $-21.2M | ||
| Q4 24 | $-71.7M | $20.6M | ||
| Q3 24 | $143.1M | $7.7M | ||
| Q2 24 | $113.2M | $10.5M | ||
| Q1 24 | $203.0M | $545.0K |
自由现金流CASHPNTG
| Q4 25 | $104.1M | $17.4M | ||
| Q3 25 | $300.3M | $10.5M | ||
| Q2 25 | $27.7M | $31.6M | ||
| Q1 25 | $184.7M | $-23.2M | ||
| Q4 24 | $-73.8M | $17.2M | ||
| Q3 24 | $138.8M | $6.8M | ||
| Q2 24 | $111.0M | $8.9M | ||
| Q1 24 | $201.3M | $-2.6M |
自由现金流率CASHPNTG
| Q4 25 | 60.1% | 6.0% | ||
| Q3 25 | 160.9% | 4.6% | ||
| Q2 25 | 14.1% | 14.4% | ||
| Q1 25 | 67.2% | -11.1% | ||
| Q4 24 | -40.4% | 9.1% | ||
| Q3 24 | 77.3% | 3.8% | ||
| Q2 24 | 58.8% | 5.3% | ||
| Q1 24 | 78.1% | -1.7% |
资本支出强度CASHPNTG
| Q4 25 | 2.4% | 1.2% | ||
| Q3 25 | 1.8% | 1.5% | ||
| Q2 25 | 1.4% | 1.4% | ||
| Q1 25 | 1.3% | 0.9% | ||
| Q4 24 | 1.1% | 1.8% | ||
| Q3 24 | 2.4% | 0.5% | ||
| Q2 24 | 1.2% | 1.0% | ||
| Q1 24 | 0.7% | 2.0% |
现金转化率CASHPNTG
| Q4 25 | 3.08× | 2.43× | ||
| Q3 25 | 7.83× | 2.29× | ||
| Q2 25 | 0.72× | 4.89× | ||
| Q1 25 | 2.51× | -2.73× | ||
| Q4 24 | -2.39× | 3.57× | ||
| Q3 24 | 4.27× | 1.24× | ||
| Q2 24 | 2.52× | 1.84× | ||
| Q1 24 | 2.90× | 0.11× |
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
| 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% |
PNTG
| Home Health Subsegment | $136.2M | 47% |
| Hospice Subsegment | $97.1M | 34% |
| Private And Other | $36.4M | 13% |
| Medicare And Medicaid | $19.6M | 7% |
| Affiliated Entity | $2.2M | 1% |
