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PATHWARD FINANCIAL, INC.（CASH）与QUALYS, INC.（QLYS）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QUALYS, INC.的1.6倍（$276.3M vs $175.3M），QUALYS, INC.净利率更高（30.3% vs 26.4%，领先3.9%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 9.6%）
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。
Qualys是总部位于美国加利福尼亚州福斯特城的科技企业，专注于云安全、合规管理及相关服务，为客户提供覆盖云环境的安全防护与合规解决方案，助力企业应对各类网络安全风险，满足不同行业的合规运营需求。
CASH vs QLYS — 直观对比
营收规模更大
CASH
是对方的1.6倍
$175.3M
净利率更高
QLYS
高出3.9%
26.4%
两年增速更快
CASH
近两年复合增速
9.6%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $175.3M |
| 净利润 | $72.9M | $53.1M |
| 毛利率 | — | 83.4% |
| 营业利润率 | — | 33.6% |
| 净利率 | 26.4% | 30.3% |
| 营收同比 | — | 10.1% |
| 净利润同比 | — | 20.9% |
| 每股收益（稀释后） | $3.35 | $1.47 |
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CASHQLYS
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $175.3M | ||
| Q3 25 | $186.7M | $169.9M | ||
| Q2 25 | $195.8M | $164.1M | ||
| Q1 25 | $274.8M | $159.9M | ||
| Q4 24 | $182.6M | $159.2M | ||
| Q3 24 | $179.5M | $153.9M | ||
| Q2 24 | $188.6M | $148.7M |
净利润CASHQLYS
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $53.1M | ||
| Q3 25 | $38.8M | $50.3M | ||
| Q2 25 | $42.1M | $47.3M | ||
| Q1 25 | $75.0M | $47.5M | ||
| Q4 24 | $30.0M | $44.0M | ||
| Q3 24 | $33.5M | $46.2M | ||
| Q2 24 | $44.9M | $43.8M |
毛利率CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | — | 83.4% | ||
| Q3 25 | — | 83.6% | ||
| Q2 25 | — | 82.4% | ||
| Q1 25 | — | 81.9% | ||
| Q4 24 | — | 81.8% | ||
| Q3 24 | — | 81.3% | ||
| Q2 24 | — | 82.2% |
营业利润率CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 33.6% | ||
| Q3 25 | 25.9% | 35.3% | ||
| Q2 25 | 24.1% | 31.3% | ||
| Q1 25 | 33.2% | 32.4% | ||
| Q4 24 | 19.8% | 31.0% | ||
| Q3 24 | 20.9% | 29.2% | ||
| Q2 24 | 27.1% | 32.3% |
净利率CASHQLYS
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 30.3% | ||
| Q3 25 | 20.8% | 29.6% | ||
| Q2 25 | 21.5% | 28.8% | ||
| Q1 25 | 27.3% | 29.7% | ||
| Q4 24 | 16.4% | 27.6% | ||
| Q3 24 | 18.7% | 30.0% | ||
| Q2 24 | 23.8% | 29.4% |
每股收益（稀释后）CASHQLYS
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.47 | ||
| Q3 25 | $1.69 | $1.39 | ||
| Q2 25 | $1.81 | $1.29 | ||
| Q1 25 | $3.14 | $1.29 | ||
| Q4 24 | $1.23 | $1.19 | ||
| Q3 24 | $1.34 | $1.24 | ||
| Q2 24 | $1.78 | $1.17 |
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 | $250.3M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $561.2M |
| 总资产 | $7.1B | $1.1B |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHQLYS
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $250.3M | ||
| Q3 25 | $120.6M | $225.3M | ||
| Q2 25 | $258.3M | $194.0M | ||
| Q1 25 | $254.2M | $290.7M | ||
| Q4 24 | $597.4M | $232.2M | ||
| Q3 24 | $158.3M | $235.4M | ||
| Q2 24 | $298.9M | $281.2M |
总债务CASHQLYS
| Q1 26 | $59.5M | — | ||
| 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 | — |
股东权益CASHQLYS
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $561.2M | ||
| Q3 25 | $858.0M | $529.4M | ||
| Q2 25 | $819.0M | $508.2M | ||
| Q1 25 | $814.7M | $498.0M | ||
| Q4 24 | $758.3M | $477.1M | ||
| Q3 24 | $822.5M | $449.6M | ||
| Q2 24 | $748.4M | $427.8M |
总资产CASHQLYS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.1B | ||
| Q3 25 | $7.2B | $1.0B | ||
| Q2 25 | $7.2B | $999.5M | ||
| Q1 25 | $7.0B | $996.5M | ||
| Q4 24 | $7.6B | $973.5M | ||
| Q3 24 | $7.5B | $908.3M | ||
| Q2 24 | $7.5B | $876.6M |
负债/权益比CASHQLYS
| Q1 26 | 0.07× | — | ||
| 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× | — |
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 | — | $75.7M |
| 自由现金流经营现金流 - 资本支出 | — | $74.9M |
| 自由现金流率自由现金流/营收 | — | 42.8% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | — | 1.42× |
| 过去12个月自由现金流最近4个季度 | — | $304.4M |
8季度趋势，按日历期对齐
经营现金流CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $75.7M | ||
| Q3 25 | $303.7M | $90.4M | ||
| Q2 25 | $30.4M | $33.8M | ||
| Q1 25 | $188.3M | $109.6M | ||
| Q4 24 | $-71.7M | $47.7M | ||
| Q3 24 | $143.1M | $61.0M | ||
| Q2 24 | $113.2M | $49.8M |
自由现金流CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $74.9M | ||
| Q3 25 | $300.3M | $89.5M | ||
| Q2 25 | $27.7M | $32.4M | ||
| Q1 25 | $184.7M | $107.5M | ||
| Q4 24 | $-73.8M | $41.9M | ||
| Q3 24 | $138.8M | $57.6M | ||
| Q2 24 | $111.0M | $48.8M |
自由现金流率CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 42.8% | ||
| Q3 25 | 160.9% | 52.7% | ||
| Q2 25 | 14.1% | 19.8% | ||
| Q1 25 | 67.2% | 67.3% | ||
| Q4 24 | -40.4% | 26.3% | ||
| Q3 24 | 77.3% | 37.4% | ||
| Q2 24 | 58.8% | 32.8% |
资本支出强度CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.4% | ||
| Q3 25 | 1.8% | 0.5% | ||
| Q2 25 | 1.4% | 0.8% | ||
| Q1 25 | 1.3% | 1.3% | ||
| Q4 24 | 1.1% | 3.7% | ||
| Q3 24 | 2.4% | 2.2% | ||
| Q2 24 | 1.2% | 0.7% |
现金转化率CASHQLYS
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.42× | ||
| Q3 25 | 7.83× | 1.80× | ||
| Q2 25 | 0.72× | 0.71× | ||
| Q1 25 | 2.51× | 2.31× | ||
| Q4 24 | -2.39× | 1.09× | ||
| Q3 24 | 4.27× | 1.32× | ||
| Q2 24 | 2.52× | 1.14× |
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% |
QLYS
| Sales Channel Through Intermediary | $88.6M | 51% |
| Sales Channel Directly To Consumer | $86.7M | 49% |
