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PATHWARD FINANCIAL, INC.（CASH）与Porch Group, Inc.（PRCH）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Porch Group, Inc.的2.3倍（$276.3M vs $121.1M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -3.9%，领先30.3%），过去两年Porch Group, Inc.的营收复合增速更高（26.4% vs 21.0%）
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。
Porch Group是一家面向屋主的家居改造服务平台，致力于连接屋主与当地的家居装修承包商。平台不仅提供超过160种家居装修项目的在线预约服务，还涵盖专业建议文章与装修成本指南，帮助屋主便捷规划各类家装工程。
CASH vs PRCH — 直观对比
营收规模更大
CASH
是对方的2.3倍
$121.1M
净利率更高
CASH
高出30.3%
-3.9%
两年增速更快
PRCH
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $121.1M |
| 净利润 | $72.9M | $-4.7M |
| 毛利率 | — | 52.7% |
| 营业利润率 | — | 34.7% |
| 净利率 | 26.4% | -3.9% |
| 营收同比 | — | 100.0% |
| 净利润同比 | — | 2.0% |
| 每股收益（稀释后） | $3.35 | $-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CASHPRCH
| Q1 26 | $276.3M | $121.1M | ||
| Q4 25 | $173.1M | $112.3M | ||
| Q3 25 | $186.7M | $115.1M | ||
| Q2 25 | $195.8M | $107.0M | ||
| Q1 25 | $274.8M | $84.5M | ||
| Q4 24 | $182.6M | $75.3M | ||
| Q3 24 | $179.5M | $77.7M | ||
| Q2 24 | $188.6M | $75.9M |
净利润CASHPRCH
| Q1 26 | $72.9M | $-4.7M | ||
| Q4 25 | $35.2M | $-3.5M | ||
| Q3 25 | $38.8M | $-10.9M | ||
| Q2 25 | $42.1M | $2.6M | ||
| Q1 25 | $75.0M | $8.4M | ||
| Q4 24 | $30.0M | $30.5M | ||
| Q3 24 | $33.5M | $14.4M | ||
| Q2 24 | $44.9M | $-64.3M |
毛利率CASHPRCH
| Q1 26 | — | 52.7% | ||
| Q4 25 | — | 99.5% | ||
| Q3 25 | — | 75.6% | ||
| Q2 25 | — | 70.9% | ||
| Q1 25 | — | 77.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 79.4% | ||
| Q2 24 | — | 22.1% |
营业利润率CASHPRCH
| Q1 26 | — | 34.7% | ||
| Q4 25 | 24.6% | 14.7% | ||
| Q3 25 | 25.9% | 14.2% | ||
| Q2 25 | 24.1% | 4.7% | ||
| Q1 25 | 33.2% | -1.5% | ||
| Q4 24 | 19.8% | 33.3% | ||
| Q3 24 | 20.9% | -3.2% | ||
| Q2 24 | 27.1% | -69.2% |
净利率CASHPRCH
| Q1 26 | 26.4% | -3.9% | ||
| Q4 25 | 20.3% | -3.1% | ||
| Q3 25 | 20.8% | -9.4% | ||
| Q2 25 | 21.5% | 2.4% | ||
| Q1 25 | 27.3% | 9.9% | ||
| Q4 24 | 16.4% | 40.5% | ||
| Q3 24 | 18.7% | 18.5% | ||
| Q2 24 | 23.8% | -84.8% |
每股收益（稀释后）CASHPRCH
| Q1 26 | $3.35 | $-0.04 | ||
| Q4 25 | $1.57 | $0.00 | ||
| Q3 25 | $1.69 | $-0.10 | ||
| Q2 25 | $1.81 | $0.00 | ||
| Q1 25 | $3.14 | $0.07 | ||
| Q4 24 | $1.23 | $0.34 | ||
| Q3 24 | $1.34 | $0.12 | ||
| Q2 24 | $1.78 | $-0.65 |
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 | $68.4M |
| 总债务越低越好 | $59.5M | $391.3M |
| 股东权益账面价值 | $850.7M | $26.3M |
| 总资产 | $7.1B | $806.6M |
| 负债/权益比越低杠杆越低 | 0.07× | 14.87× |
8季度趋势，按日历期对齐
现金及短期投资CASHPRCH
| Q1 26 | $157.6M | $68.4M | ||
| Q4 25 | $331.2M | $57.3M | ||
| Q3 25 | $120.6M | $85.0M | ||
| Q2 25 | $258.3M | $79.8M | ||
| Q1 25 | $254.2M | $70.4M | ||
| Q4 24 | $597.4M | $191.7M | ||
| Q3 24 | $158.3M | $238.6M | ||
| Q2 24 | $298.9M | $308.4M |
总债务CASHPRCH
| Q1 26 | $59.5M | $391.3M | ||
| Q4 25 | $33.5M | $392.8M | ||
| Q3 25 | $33.5M | $387.1M | ||
| Q2 25 | $33.4M | $394.1M | ||
| Q1 25 | $33.4M | $409.2M | ||
| Q4 24 | $33.4M | $403.9M | ||
| Q3 24 | $33.4M | $399.0M | ||
| Q2 24 | $33.3M | $436.8M |
股东权益CASHPRCH
| Q1 26 | $850.7M | $26.3M | ||
| Q4 25 | $854.5M | $-24.6M | ||
| Q3 25 | $858.0M | $-27.9M | ||
| Q2 25 | $819.0M | $-29.3M | ||
| Q1 25 | $814.7M | $-52.4M | ||
| Q4 24 | $758.3M | $-43.2M | ||
| Q3 24 | $822.5M | $-77.0M | ||
| Q2 24 | $748.4M | $-101.9M |
总资产CASHPRCH
| Q1 26 | $7.1B | $806.6M | ||
| Q4 25 | $7.6B | $797.4M | ||
| Q3 25 | $7.2B | $787.7M | ||
| Q2 25 | $7.2B | $770.7M | ||
| Q1 25 | $7.0B | $802.3M | ||
| Q4 24 | $7.6B | $814.0M | ||
| Q3 24 | $7.5B | $867.3M | ||
| Q2 24 | $7.5B | $876.1M |
负债/权益比CASHPRCH
| Q1 26 | 0.07× | 14.87× | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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% |
PRCH
暂无分部数据
