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PATHWARD FINANCIAL, INC.（CASH）与Purple Innovation, Inc.（PRPL）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Purple Innovation, Inc.的1.2倍（$173.1M vs $140.7M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -2.3%，领先22.6%），Purple Innovation, Inc.同比增速更快（9.1% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $-7.8M），过去两年Purple Innovation, Inc.的营收复合增速更高（8.3% 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。
Purple Carrot是一家总部位于马萨诸塞州尼达姆市的全植物性餐包品牌，由安迪·莱维特创立，每周为订阅用户提供预制餐品和自制餐包。据《大都会》2022年报道，对比美式标准餐食，该品牌每份餐包的碳排放量可降低72%，主打低碳环保的纯植物饮食方案。
CASH vs PRPL — 直观对比
营收规模更大
CASH
是对方的1.2倍
$140.7M
营收增速更快
PRPL
高出9.3%
-0.2%
净利率更高
CASH
高出22.6%
-2.3%
自由现金流更多
CASH
多$111.9M
$-7.8M
两年增速更快
PRPL
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $140.7M |
| 净利润 | $35.2M | $-3.2M |
| 毛利率 | — | 41.9% |
| 营业利润率 | 24.6% | -1.6% |
| 净利率 | 20.3% | -2.3% |
| 营收同比 | -0.2% | 9.1% |
| 净利润同比 | 11.9% | 62.1% |
| 每股收益（稀释后） | $1.57 | $0.03 |
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CASHPRPL
| Q4 25 | $173.1M | $140.7M | ||
| Q3 25 | $186.7M | $118.8M | ||
| Q2 25 | $195.8M | $105.1M | ||
| Q1 25 | $274.8M | $104.2M | ||
| Q4 24 | $182.6M | $129.0M | ||
| Q3 24 | $179.5M | $118.6M | ||
| Q2 24 | $188.6M | $120.3M | ||
| Q1 24 | $257.6M | $120.0M |
净利润CASHPRPL
| Q4 25 | $35.2M | $-3.2M | ||
| Q3 25 | $38.8M | $-11.7M | ||
| Q2 25 | $42.1M | $-17.3M | ||
| Q1 25 | $75.0M | $-19.1M | ||
| Q4 24 | $30.0M | $-8.5M | ||
| Q3 24 | $33.5M | $-39.2M | ||
| Q2 24 | $44.9M | $27.0K | ||
| Q1 24 | $69.9M | $-50.2M |
毛利率CASHPRPL
| Q4 25 | — | 41.9% | ||
| Q3 25 | — | 42.8% | ||
| Q2 25 | — | 35.9% | ||
| Q1 25 | — | 39.4% | ||
| Q4 24 | — | 42.9% | ||
| Q3 24 | — | 29.7% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 34.8% |
营业利润率CASHPRPL
| Q4 25 | 24.6% | -1.6% | ||
| Q3 25 | 25.9% | -10.2% | ||
| Q2 25 | 24.1% | -13.5% | ||
| Q1 25 | 33.2% | -13.9% | ||
| Q4 24 | 19.8% | -6.0% | ||
| Q3 24 | 20.9% | -39.5% | ||
| Q2 24 | 27.1% | -12.1% | ||
| Q1 24 | 33.8% | -19.3% |
净利率CASHPRPL
| Q4 25 | 20.3% | -2.3% | ||
| Q3 25 | 20.8% | -9.9% | ||
| Q2 25 | 21.5% | -16.5% | ||
| Q1 25 | 27.3% | -18.4% | ||
| Q4 24 | 16.4% | -6.6% | ||
| Q3 24 | 18.7% | -33.1% | ||
| Q2 24 | 23.8% | 0.0% | ||
| Q1 24 | 27.1% | -41.8% |
每股收益（稀释后）CASHPRPL
| Q4 25 | $1.57 | $0.03 | ||
| Q3 25 | $1.69 | $0.11 | ||
| Q2 25 | $1.81 | $0.16 | ||
| Q1 25 | $3.14 | $0.18 | ||
| Q4 24 | $1.23 | $0.08 | ||
| Q3 24 | $1.34 | $0.36 | ||
| Q2 24 | $1.78 | $0.00 | ||
| Q1 24 | $2.74 | $0.47 |
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 | $24.3M |
| 总债务越低越好 | $33.5M | $126.7M |
| 股东权益账面价值 | $854.5M | $-29.7M |
| 总资产 | $7.6B | $296.3M |
| 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CASHPRPL
| Q4 25 | $331.2M | $24.3M | ||
| Q3 25 | $120.6M | $32.4M | ||
| Q2 25 | $258.3M | $34.2M | ||
| Q1 25 | $254.2M | $21.6M | ||
| Q4 24 | $597.4M | $29.0M | ||
| Q3 24 | $158.3M | $23.4M | ||
| Q2 24 | $298.9M | $23.4M | ||
| Q1 24 | $347.9M | $34.5M |
总债务CASHPRPL
| Q4 25 | $33.5M | $126.7M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $70.7M | ||
| Q3 24 | $33.4M | $50.8M | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHPRPL
| Q4 25 | $854.5M | $-29.7M | ||
| Q3 25 | $858.0M | $-26.9M | ||
| Q2 25 | $819.0M | $-15.6M | ||
| Q1 25 | $814.7M | $1.3M | ||
| Q4 24 | $758.3M | $20.2M | ||
| Q3 24 | $822.5M | $28.0M | ||
| Q2 24 | $748.4M | $66.4M | ||
| Q1 24 | $719.5M | $65.5M |
总资产CASHPRPL
| Q4 25 | $7.6B | $296.3M | ||
| Q3 25 | $7.2B | $302.1M | ||
| Q2 25 | $7.2B | $303.8M | ||
| Q1 25 | $7.0B | $293.8M | ||
| Q4 24 | $7.6B | $307.8M | ||
| Q3 24 | $7.5B | $309.3M | ||
| Q2 24 | $7.5B | $362.1M | ||
| Q1 24 | $7.4B | $382.1M |
负债/权益比CASHPRPL
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 3.50× | ||
| Q3 24 | 0.04× | 1.82× | ||
| 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 | $-5.8M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $-7.8M |
| 自由现金流率自由现金流/营收 | 60.1% | -5.5% |
| 资本支出强度资本支出/营收 | 2.4% | 1.4% |
| 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 | $-41.9M |
8季度趋势，按日历期对齐
经营现金流CASHPRPL
| Q4 25 | $108.3M | $-5.8M | ||
| Q3 25 | $303.7M | $-968.0K | ||
| Q2 25 | $30.4M | $-4.0M | ||
| Q1 25 | $188.3M | $-23.1M | ||
| Q4 24 | $-71.7M | $6.8M | ||
| Q3 24 | $143.1M | $1.1M | ||
| Q2 24 | $113.2M | $-8.9M | ||
| Q1 24 | $203.0M | $-16.8M |
自由现金流CASHPRPL
| Q4 25 | $104.1M | $-7.8M | ||
| Q3 25 | $300.3M | $-1.8M | ||
| Q2 25 | $27.7M | $-7.0M | ||
| Q1 25 | $184.7M | $-25.3M | ||
| Q4 24 | $-73.8M | $5.7M | ||
| Q3 24 | $138.8M | $101.0K | ||
| Q2 24 | $111.0M | $-11.0M | ||
| Q1 24 | $201.3M | $-19.9M |
自由现金流率CASHPRPL
| Q4 25 | 60.1% | -5.5% | ||
| Q3 25 | 160.9% | -1.5% | ||
| Q2 25 | 14.1% | -6.6% | ||
| Q1 25 | 67.2% | -24.3% | ||
| Q4 24 | -40.4% | 4.4% | ||
| Q3 24 | 77.3% | 0.1% | ||
| Q2 24 | 58.8% | -9.2% | ||
| Q1 24 | 78.1% | -16.5% |
资本支出强度CASHPRPL
| Q4 25 | 2.4% | 1.4% | ||
| Q3 25 | 1.8% | 0.7% | ||
| Q2 25 | 1.4% | 2.8% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 1.1% | 0.8% | ||
| Q3 24 | 2.4% | 0.9% | ||
| Q2 24 | 1.2% | 1.7% | ||
| Q1 24 | 0.7% | 2.5% |
现金转化率CASHPRPL
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | -330.22× | ||
| Q1 24 | 2.90× | — |
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% |
PRPL
| Cost Of Revenues | $81.7M | 58% |
| Other | $59.0M | 42% |
