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PATHWARD FINANCIAL, INC.（CASH）与PROGRESS SOFTWARE CORP（PRGS）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PROGRESS SOFTWARE CORP的1.1倍（$276.3M vs $252.7M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 10.2%，领先16.2%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 17.0%）
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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
CASH vs PRGS — 直观对比
营收规模更大
CASH
是对方的1.1倍
$252.7M
净利率更高
CASH
高出16.2%
10.2%
两年增速更快
CASH
近两年复合增速
17.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $252.7M |
| 净利润 | $72.9M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | — | 15.2% |
| 净利率 | 26.4% | 10.2% |
| 营收同比 | — | 17.5% |
| 净利润同比 | — | 2144.6% |
| 每股收益（稀释后） | $3.35 | $0.59 |
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CASHPRGS
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $252.7M | ||
| Q3 25 | $186.7M | $249.8M | ||
| Q2 25 | $195.8M | $237.4M | ||
| Q1 25 | $274.8M | $238.0M | ||
| Q4 24 | $182.6M | $215.0M | ||
| Q3 24 | $179.5M | $178.7M | ||
| Q2 24 | $188.6M | $175.1M |
净利润CASHPRGS
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $25.7M | ||
| Q3 25 | $38.8M | $19.4M | ||
| Q2 25 | $42.1M | $17.0M | ||
| Q1 25 | $75.0M | $10.9M | ||
| Q4 24 | $30.0M | $1.1M | ||
| Q3 24 | $33.5M | $28.5M | ||
| Q2 24 | $44.9M | $16.2M |
毛利率CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% |
营业利润率CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 15.2% | ||
| Q3 25 | 25.9% | 17.6% | ||
| Q2 25 | 24.1% | 16.3% | ||
| Q1 25 | 33.2% | 13.6% | ||
| Q4 24 | 19.8% | 10.0% | ||
| Q3 24 | 20.9% | 22.6% | ||
| Q2 24 | 27.1% | 15.5% |
净利率CASHPRGS
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 10.2% | ||
| Q3 25 | 20.8% | 7.8% | ||
| Q2 25 | 21.5% | 7.2% | ||
| Q1 25 | 27.3% | 4.6% | ||
| Q4 24 | 16.4% | 0.5% | ||
| Q3 24 | 18.7% | 15.9% | ||
| Q2 24 | 23.8% | 9.2% |
每股收益（稀释后）CASHPRGS
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.59 | ||
| Q3 25 | $1.69 | $0.44 | ||
| Q2 25 | $1.81 | $0.39 | ||
| Q1 25 | $3.14 | $0.24 | ||
| Q4 24 | $1.23 | $0.01 | ||
| Q3 24 | $1.34 | $0.65 | ||
| Q2 24 | $1.78 | $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 | $157.6M | $94.8M |
| 总债务越低越好 | $59.5M | $1.4B |
| 股东权益账面价值 | $850.7M | $478.3M |
| 总资产 | $7.1B | $2.5B |
| 负债/权益比越低杠杆越低 | 0.07× | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资CASHPRGS
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $94.8M | ||
| Q3 25 | $120.6M | $99.0M | ||
| Q2 25 | $258.3M | $102.0M | ||
| Q1 25 | $254.2M | $124.2M | ||
| Q4 24 | $597.4M | $118.1M | ||
| Q3 24 | $158.3M | $232.7M | ||
| Q2 24 | $298.9M | $190.4M |
总债务CASHPRGS
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.4B | ||
| Q3 25 | $33.5M | $1.4B | ||
| Q2 25 | $33.4M | $1.5B | ||
| Q1 25 | $33.4M | $1.5B | ||
| Q4 24 | $33.4M | $1.5B | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHPRGS
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $478.3M | ||
| Q3 25 | $858.0M | $477.7M | ||
| Q2 25 | $819.0M | $452.7M | ||
| Q1 25 | $814.7M | $431.8M | ||
| Q4 24 | $758.3M | $438.8M | ||
| Q3 24 | $822.5M | $425.6M | ||
| Q2 24 | $748.4M | $401.7M |
总资产CASHPRGS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.5B | ||
| Q3 25 | $7.2B | $2.4B | ||
| Q2 25 | $7.2B | $2.4B | ||
| Q1 25 | $7.0B | $2.5B | ||
| Q4 24 | $7.6B | $2.5B | ||
| Q3 24 | $7.5B | $1.6B | ||
| Q2 24 | $7.5B | $1.6B |
负债/权益比CASHPRGS
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 2.93× | ||
| Q3 25 | 0.04× | 2.97× | ||
| Q2 25 | 0.04× | 3.22× | ||
| Q1 25 | 0.04× | 3.50× | ||
| Q4 24 | 0.04× | 3.48× | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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 | — | $62.8M |
| 自由现金流经营现金流 - 资本支出 | — | $59.9M |
| 自由现金流率自由现金流/营收 | — | 23.7% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | $229.5M |
8季度趋势，按日历期对齐
经营现金流CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $62.8M | ||
| Q3 25 | $303.7M | $73.4M | ||
| Q2 25 | $30.4M | $30.0M | ||
| Q1 25 | $188.3M | $68.9M | ||
| Q4 24 | $-71.7M | $19.7M | ||
| Q3 24 | $143.1M | $57.7M | ||
| Q2 24 | $113.2M | $63.7M |
自由现金流CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $59.9M | ||
| Q3 25 | $300.3M | $72.4M | ||
| Q2 25 | $27.7M | $29.5M | ||
| Q1 25 | $184.7M | $67.7M | ||
| Q4 24 | $-73.8M | $16.8M | ||
| Q3 24 | $138.8M | $56.6M | ||
| Q2 24 | $111.0M | $62.7M |
自由现金流率CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 23.7% | ||
| Q3 25 | 160.9% | 29.0% | ||
| Q2 25 | 14.1% | 12.4% | ||
| Q1 25 | 67.2% | 28.4% | ||
| Q4 24 | -40.4% | 7.8% | ||
| Q3 24 | 77.3% | 31.7% | ||
| Q2 24 | 58.8% | 35.8% |
资本支出强度CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 1.1% | ||
| Q3 25 | 1.8% | 0.4% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.3% | 0.5% | ||
| Q4 24 | 1.1% | 1.3% | ||
| Q3 24 | 2.4% | 0.6% | ||
| Q2 24 | 1.2% | 0.5% |
现金转化率CASHPRGS
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 2.44× | ||
| Q3 25 | 7.83× | 3.78× | ||
| Q2 25 | 0.72× | 1.76× | ||
| Q1 25 | 2.51× | 6.30× | ||
| Q4 24 | -2.39× | 17.13× | ||
| Q3 24 | 4.27× | 2.03× | ||
| Q2 24 | 2.52× | 3.93× |
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% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
