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PATHWARD FINANCIAL, INC.（CASH）与Proto Labs Inc（PRLB）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Proto Labs Inc的1.3倍（$173.1M vs $136.5M），Proto Labs Inc同比增速更快（12.1% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $8.4M），过去两年Proto Labs Inc的营收复合增速更高（3.3% 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。
Proto Labs是一家提供快速制造服务的企业，可通过3D打印、CNC加工、钣金加工以及注塑成型工艺，为客户生产用于原型制作和量产的定制零部件，产品广泛应用于医疗设备、航空航天、电子、家电、汽车、消费品等多个领域，公司总部位于美国明尼苏达州，在美国多地设有生产基地。
CASH vs PRLB — 直观对比
营收规模更大
CASH
是对方的1.3倍
$136.5M
营收增速更快
PRLB
高出12.3%
-0.2%
自由现金流更多
CASH
多$95.7M
$8.4M
两年增速更快
PRLB
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $136.5M |
| 净利润 | $35.2M | — |
| 毛利率 | — | 44.2% |
| 营业利润率 | 24.6% | 5.0% |
| 净利率 | 20.3% | — |
| 营收同比 | -0.2% | 12.1% |
| 净利润同比 | 11.9% | — |
| 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CASHPRLB
| Q4 25 | $173.1M | $136.5M | ||
| Q3 25 | $186.7M | $135.4M | ||
| Q2 25 | $195.8M | $135.1M | ||
| Q1 25 | $274.8M | $126.2M | ||
| Q4 24 | $182.6M | $121.8M | ||
| Q3 24 | $179.5M | $125.6M | ||
| Q2 24 | $188.6M | $125.6M | ||
| Q1 24 | $257.6M | $127.9M |
净利润CASHPRLB
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $7.2M | ||
| Q2 25 | $42.1M | $4.4M | ||
| Q1 25 | $75.0M | $3.6M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $7.2M | ||
| Q2 24 | $44.9M | $4.5M | ||
| Q1 24 | $69.9M | $5.3M |
毛利率CASHPRLB
| Q4 25 | — | 44.2% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 44.3% | ||
| Q1 25 | — | 44.1% | ||
| Q4 24 | — | 42.7% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 45.0% | ||
| Q1 24 | — | 44.9% |
营业利润率CASHPRLB
| Q4 25 | 24.6% | 5.0% | ||
| Q3 25 | 25.9% | 6.5% | ||
| Q2 25 | 24.1% | 3.7% | ||
| Q1 25 | 33.2% | 3.6% | ||
| Q4 24 | 19.8% | -1.2% | ||
| Q3 24 | 20.9% | 6.8% | ||
| Q2 24 | 27.1% | 4.8% | ||
| Q1 24 | 33.8% | 5.3% |
净利率CASHPRLB
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | 5.3% | ||
| Q2 25 | 21.5% | 3.3% | ||
| Q1 25 | 27.3% | 2.9% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 5.7% | ||
| Q2 24 | 23.8% | 3.6% | ||
| Q1 24 | 27.1% | 4.1% |
每股收益（稀释后）CASHPRLB
| Q4 25 | $1.57 | $0.25 | ||
| Q3 25 | $1.69 | $0.30 | ||
| Q2 25 | $1.81 | $0.18 | ||
| Q1 25 | $3.14 | $0.15 | ||
| Q4 24 | $1.23 | $-0.01 | ||
| Q3 24 | $1.34 | $0.29 | ||
| Q2 24 | $1.78 | $0.18 | ||
| Q1 24 | $2.74 | $0.20 |
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 | $128.1M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $673.9M |
| 总资产 | $7.6B | $763.4M |
| 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CASHPRLB
| Q4 25 | $331.2M | $128.1M | ||
| Q3 25 | $120.6M | $119.2M | ||
| Q2 25 | $258.3M | $103.2M | ||
| Q1 25 | $254.2M | $96.8M | ||
| Q4 24 | $597.4M | $103.1M | ||
| Q3 24 | $158.3M | $100.5M | ||
| Q2 24 | $298.9M | $112.9M | ||
| Q1 24 | $347.9M | $109.7M |
总债务CASHPRLB
| 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CASHPRLB
| Q4 25 | $854.5M | $673.9M | ||
| Q3 25 | $858.0M | $664.7M | ||
| Q2 25 | $819.0M | $664.7M | ||
| Q1 25 | $814.7M | $656.8M | ||
| Q4 24 | $758.3M | $670.2M | ||
| Q3 24 | $822.5M | $680.0M | ||
| Q2 24 | $748.4M | $685.2M | ||
| Q1 24 | $719.5M | $687.3M |
总资产CASHPRLB
| Q4 25 | $7.6B | $763.4M | ||
| Q3 25 | $7.2B | $756.9M | ||
| Q2 25 | $7.2B | $743.3M | ||
| Q1 25 | $7.0B | $737.5M | ||
| Q4 24 | $7.6B | $743.5M | ||
| Q3 24 | $7.5B | $753.8M | ||
| Q2 24 | $7.5B | $758.2M | ||
| Q1 24 | $7.4B | $769.8M |
负债/权益比CASHPRLB
| 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 | $16.5M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $8.4M |
| 自由现金流率自由现金流/营收 | 60.1% | 6.2% |
| 资本支出强度资本支出/营收 | 2.4% | 5.9% |
| 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 | $59.7M |
8季度趋势，按日历期对齐
经营现金流CASHPRLB
| Q4 25 | $108.3M | $16.5M | ||
| Q3 25 | $303.7M | $29.1M | ||
| Q2 25 | $30.4M | $10.6M | ||
| Q1 25 | $188.3M | $18.4M | ||
| Q4 24 | $-71.7M | $17.3M | ||
| Q3 24 | $143.1M | $24.8M | ||
| Q2 24 | $113.2M | $14.4M | ||
| Q1 24 | $203.0M | $21.3M |
自由现金流CASHPRLB
| Q4 25 | $104.1M | $8.4M | ||
| Q3 25 | $300.3M | $25.0M | ||
| Q2 25 | $27.7M | $9.1M | ||
| Q1 25 | $184.7M | $17.1M | ||
| Q4 24 | $-73.8M | $16.5M | ||
| Q3 24 | $138.8M | $23.2M | ||
| Q2 24 | $111.0M | $10.2M | ||
| Q1 24 | $201.3M | $18.8M |
自由现金流率CASHPRLB
| Q4 25 | 60.1% | 6.2% | ||
| Q3 25 | 160.9% | 18.5% | ||
| Q2 25 | 14.1% | 6.7% | ||
| Q1 25 | 67.2% | 13.6% | ||
| Q4 24 | -40.4% | 13.5% | ||
| Q3 24 | 77.3% | 18.5% | ||
| Q2 24 | 58.8% | 8.2% | ||
| Q1 24 | 78.1% | 14.7% |
资本支出强度CASHPRLB
| Q4 25 | 2.4% | 5.9% | ||
| Q3 25 | 1.8% | 3.0% | ||
| Q2 25 | 1.4% | 1.1% | ||
| Q1 25 | 1.3% | 1.0% | ||
| Q4 24 | 1.1% | 0.7% | ||
| Q3 24 | 2.4% | 1.2% | ||
| Q2 24 | 1.2% | 3.3% | ||
| Q1 24 | 0.7% | 2.0% |
现金转化率CASHPRLB
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 4.03× | ||
| Q2 25 | 0.72× | 2.39× | ||
| Q1 25 | 2.51× | 5.11× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 3.44× | ||
| Q2 24 | 2.52× | 3.18× | ||
| Q1 24 | 2.90× | 4.05× |
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% |
PRLB
| CNC Machining Firstcut | $65.5M | 48% |
| Injection Molding Protomold | $47.6M | 35% |
| Three D Printing Fineline | $18.8M | 14% |
| Sheet Metal | $4.4M | 3% |
