vs
PATHWARD FINANCIAL, INC.（CASH）与LiveRamp Holdings, Inc.（RAMP）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LiveRamp Holdings, Inc.的1.3倍（$276.3M vs $212.2M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 18.8%，领先7.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 11.1%）
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。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
CASH vs RAMP — 直观对比
营收规模更大
CASH
是对方的1.3倍
$212.2M
净利率更高
CASH
高出7.6%
18.8%
两年增速更快
CASH
近两年复合增速
11.1%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $212.2M |
| 净利润 | $72.9M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 26.4% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | — | 255.7% |
| 每股收益（稀释后） | $3.35 | $0.62 |
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CASHRAMP
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $212.2M | ||
| Q3 25 | $186.7M | $199.8M | ||
| Q2 25 | $195.8M | $194.8M | ||
| Q1 25 | $274.8M | $188.7M | ||
| Q4 24 | $182.6M | $195.4M | ||
| Q3 24 | $179.5M | $185.5M | ||
| Q2 24 | $188.6M | $176.0M |
净利润CASHRAMP
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $39.9M | ||
| Q3 25 | $38.8M | $27.4M | ||
| Q2 25 | $42.1M | $7.7M | ||
| Q1 25 | $75.0M | $-6.3M | ||
| Q4 24 | $30.0M | $11.2M | ||
| Q3 24 | $33.5M | $1.7M | ||
| Q2 24 | $44.9M | $-7.5M |
毛利率CASHRAMP
| Q1 26 | — | — | ||
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% |
营业利润率CASHRAMP
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 18.6% | ||
| Q3 25 | 25.9% | 10.7% | ||
| Q2 25 | 24.1% | 3.7% | ||
| Q1 25 | 33.2% | -6.1% | ||
| Q4 24 | 19.8% | 7.5% | ||
| Q3 24 | 20.9% | 4.0% | ||
| Q2 24 | 27.1% | -3.0% |
净利率CASHRAMP
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 18.8% | ||
| Q3 25 | 20.8% | 13.7% | ||
| Q2 25 | 21.5% | 4.0% | ||
| Q1 25 | 27.3% | -3.3% | ||
| Q4 24 | 16.4% | 5.7% | ||
| Q3 24 | 18.7% | 0.9% | ||
| Q2 24 | 23.8% | -4.3% |
每股收益（稀释后）CASHRAMP
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.62 | ||
| Q3 25 | $1.69 | $0.42 | ||
| Q2 25 | $1.81 | $0.12 | ||
| Q1 25 | $3.14 | $-0.10 | ||
| Q4 24 | $1.23 | $0.17 | ||
| Q3 24 | $1.34 | $0.03 | ||
| Q2 24 | $1.78 | $-0.11 |
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 | $403.4M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $962.3M |
| 总资产 | $7.1B | $1.3B |
| 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CASHRAMP
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $403.4M | ||
| Q3 25 | $120.6M | $376.9M | ||
| Q2 25 | $258.3M | $371.1M | ||
| Q1 25 | $254.2M | $420.8M | ||
| Q4 24 | $597.4M | $384.3M | ||
| Q3 24 | $158.3M | $348.4M | ||
| Q2 24 | $298.9M | $342.7M |
总债务CASHRAMP
| 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CASHRAMP
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $962.3M | ||
| Q3 25 | $858.0M | $943.8M | ||
| Q2 25 | $819.0M | $947.8M | ||
| Q1 25 | $814.7M | $948.9M | ||
| Q4 24 | $758.3M | $957.7M | ||
| Q3 24 | $822.5M | $932.1M | ||
| Q2 24 | $748.4M | $951.9M |
总资产CASHRAMP
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.2B | $1.2B | ||
| Q2 25 | $7.2B | $1.2B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | $1.3B | ||
| Q3 24 | $7.5B | $1.2B | ||
| Q2 24 | $7.5B | $1.2B |
负债/权益比CASHRAMP
| 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× | — |
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% |
RAMP
暂无分部数据
