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PATHWARD FINANCIAL, INC.（CASH）与PERDOCEO EDUCATION Corp（PRDO）财务数据对比。点击上方公司名可切换其他公司
PERDOCEO EDUCATION Corp的季度营收约是PATHWARD FINANCIAL, INC.的1.2倍（$211.6M vs $173.1M），PERDOCEO EDUCATION Corp同比增速更快（20.0% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $37.9M），过去两年PERDOCEO EDUCATION Corp的营收复合增速更高（12.2% 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。
Perdoceo Education是美国上市营利性教育集团，前身为职业教育公司（Career Education Corporation），旗下运营五所美国营利性大学，包括美国洲际大学、科罗拉多理工大学、南加利福尼亚大学、三叉戟国际大学及圣奥古斯丁健康科学大学，业务覆盖高等教育、职业教育及健康科学相关教育领域。
CASH vs PRDO — 直观对比
营收规模更大
PRDO
是对方的1.2倍
$173.1M
营收增速更快
PRDO
高出20.2%
-0.2%
自由现金流更多
CASH
多$66.2M
$37.9M
两年增速更快
PRDO
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $211.6M |
| 净利润 | $35.2M | — |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | 19.8% |
| 净利率 | 20.3% | — |
| 营收同比 | -0.2% | 20.0% |
| 净利润同比 | 11.9% | — |
| 每股收益（稀释后） | $1.57 | $0.55 |
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CASHPRDO
| Q4 25 | $173.1M | $211.6M | ||
| Q3 25 | $186.7M | $211.9M | ||
| Q2 25 | $195.8M | $209.6M | ||
| Q1 25 | $274.8M | $213.0M | ||
| Q4 24 | $182.6M | $176.4M | ||
| Q3 24 | $179.5M | $169.8M | ||
| Q2 24 | $188.6M | $166.7M | ||
| Q1 24 | $257.6M | $168.3M |
净利润CASHPRDO
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $39.9M | ||
| Q2 25 | $42.1M | $41.0M | ||
| Q1 25 | $75.0M | $43.7M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $38.3M | ||
| Q2 24 | $44.9M | $38.4M | ||
| Q1 24 | $69.9M | $39.4M |
营业利润率CASHPRDO
| Q4 25 | 24.6% | 19.8% | ||
| Q3 25 | 25.9% | 24.1% | ||
| Q2 25 | 24.1% | 24.5% | ||
| Q1 25 | 33.2% | 24.3% | ||
| Q4 24 | 19.8% | 21.1% | ||
| Q3 24 | 20.9% | 26.4% | ||
| Q2 24 | 27.1% | 27.6% | ||
| Q1 24 | 33.8% | 27.5% |
净利率CASHPRDO
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | 18.8% | ||
| Q2 25 | 21.5% | 19.6% | ||
| Q1 25 | 27.3% | 20.5% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 22.5% | ||
| Q2 24 | 23.8% | 23.0% | ||
| Q1 24 | 27.1% | 23.4% |
每股收益（稀释后）CASHPRDO
| Q4 25 | $1.57 | $0.55 | ||
| Q3 25 | $1.69 | $0.60 | ||
| Q2 25 | $1.81 | $0.62 | ||
| Q1 25 | $3.14 | $0.65 | ||
| Q4 24 | $1.23 | $0.46 | ||
| Q3 24 | $1.34 | $0.57 | ||
| Q2 24 | $1.78 | $0.57 | ||
| Q1 24 | $2.74 | $0.59 |
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 | $111.0M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $972.4M |
| 总资产 | $7.6B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHPRDO
| Q4 25 | $331.2M | $111.0M | ||
| Q3 25 | $120.6M | $159.5M | ||
| Q2 25 | $258.3M | $172.1M | ||
| Q1 25 | $254.2M | $132.1M | ||
| Q4 24 | $597.4M | $109.1M | ||
| Q3 24 | $158.3M | $238.0M | ||
| Q2 24 | $298.9M | $127.9M | ||
| Q1 24 | $347.9M | $125.8M |
总债务CASHPRDO
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHPRDO
| Q4 25 | $854.5M | $972.4M | ||
| Q3 25 | $858.0M | $997.9M | ||
| Q2 25 | $819.0M | $984.6M | ||
| Q1 25 | $814.7M | $970.3M | ||
| Q4 24 | $758.3M | $959.5M | ||
| Q3 24 | $822.5M | $935.4M | ||
| Q2 24 | $748.4M | $899.5M | ||
| Q1 24 | $719.5M | $866.1M |
总资产CASHPRDO
| Q4 25 | $7.6B | $1.2B | ||
| Q3 25 | $7.2B | $1.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.1B | ||
| Q2 24 | $7.5B | $1.1B | ||
| Q1 24 | $7.4B | $1.1B |
负债/权益比CASHPRDO
| 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× | — | ||
| 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 | $40.1M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $37.9M |
| 自由现金流率自由现金流/营收 | 60.1% | 17.9% |
| 资本支出强度资本支出/营收 | 2.4% | 1.1% |
| 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 | $216.7M |
8季度趋势，按日历期对齐
经营现金流CASHPRDO
| Q4 25 | $108.3M | $40.1M | ||
| Q3 25 | $303.7M | $41.2M | ||
| Q2 25 | $30.4M | $78.8M | ||
| Q1 25 | $188.3M | $65.1M | ||
| Q4 24 | $-71.7M | $17.6M | ||
| Q3 24 | $143.1M | $51.0M | ||
| Q2 24 | $113.2M | $38.5M | ||
| Q1 24 | $203.0M | $54.5M |
自由现金流CASHPRDO
| Q4 25 | $104.1M | $37.9M | ||
| Q3 25 | $300.3M | $39.4M | ||
| Q2 25 | $27.7M | $76.0M | ||
| Q1 25 | $184.7M | $63.4M | ||
| Q4 24 | $-73.8M | $16.0M | ||
| Q3 24 | $138.8M | $50.0M | ||
| Q2 24 | $111.0M | $37.7M | ||
| Q1 24 | $201.3M | $53.3M |
自由现金流率CASHPRDO
| Q4 25 | 60.1% | 17.9% | ||
| Q3 25 | 160.9% | 18.6% | ||
| Q2 25 | 14.1% | 36.3% | ||
| Q1 25 | 67.2% | 29.8% | ||
| Q4 24 | -40.4% | 9.1% | ||
| Q3 24 | 77.3% | 29.4% | ||
| Q2 24 | 58.8% | 22.6% | ||
| Q1 24 | 78.1% | 31.7% |
资本支出强度CASHPRDO
| Q4 25 | 2.4% | 1.1% | ||
| Q3 25 | 1.8% | 0.9% | ||
| Q2 25 | 1.4% | 1.3% | ||
| Q1 25 | 1.3% | 0.8% | ||
| Q4 24 | 1.1% | 0.9% | ||
| Q3 24 | 2.4% | 0.6% | ||
| Q2 24 | 1.2% | 0.5% | ||
| Q1 24 | 0.7% | 0.7% |
现金转化率CASHPRDO
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 1.03× | ||
| Q2 25 | 0.72× | 1.92× | ||
| Q1 25 | 2.51× | 1.49× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 1.33× | ||
| Q2 24 | 2.52× | 1.00× | ||
| Q1 24 | 2.90× | 1.38× |
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% |
PRDO
| CTU | $107.0M | 51% |
| AIUS | $60.8M | 29% |
| University Of St Augustine For Health Sciences Llc | $43.7M | 21% |
| Other | $1.1M | 1% |
