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PATHWARD FINANCIAL, INC.（CASH）与Ribbon Communications Inc.（RBBN）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Ribbon Communications Inc.的1.1倍（$173.1M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs 20.3%，领先34.5%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -10.3%），过去两年Ribbon Communications Inc.的营收复合增速更高（-8.1% 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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
CASH vs RBBN — 直观对比
营收规模更大
CASH
是对方的1.1倍
$162.6M
营收增速更快
CASH
高出10.1%
-10.3%
净利率更高
RBBN
高出34.5%
20.3%
两年增速更快
RBBN
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $162.6M |
| 净利润 | $35.2M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 24.6% | 37.6% |
| 净利率 | 20.3% | 54.8% |
| 营收同比 | -0.2% | -10.3% |
| 净利润同比 | 11.9% | — |
| 每股收益（稀释后） | $1.57 | $0.50 |
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CASHRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $173.1M | $227.3M | ||
| Q3 25 | $186.7M | $215.4M | ||
| Q2 25 | $195.8M | $220.6M | ||
| Q1 25 | $274.8M | $181.3M | ||
| Q4 24 | $182.6M | $251.4M | ||
| Q3 24 | $179.5M | $210.2M | ||
| Q2 24 | $188.6M | $192.6M |
净利润CASHRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-12.1M | ||
| Q2 25 | $42.1M | $-11.1M | ||
| Q1 25 | $75.0M | $-26.2M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $-13.4M | ||
| Q2 24 | $44.9M | $-16.8M |
毛利率CASHRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率CASHRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 24.6% | 4.1% | ||
| Q3 25 | 25.9% | 1.3% | ||
| Q2 25 | 24.1% | 1.9% | ||
| Q1 25 | 33.2% | -10.8% | ||
| Q4 24 | 19.8% | 13.2% | ||
| Q3 24 | 20.9% | -0.4% | ||
| Q2 24 | 27.1% | -1.0% |
净利率CASHRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -5.6% | ||
| Q2 25 | 21.5% | -5.0% | ||
| Q1 25 | 27.3% | -14.5% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | -6.4% | ||
| Q2 24 | 23.8% | -8.7% |
每股收益（稀释后）CASHRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $1.57 | $0.50 | ||
| Q3 25 | $1.69 | $-0.07 | ||
| Q2 25 | $1.81 | $-0.06 | ||
| Q1 25 | $3.14 | $-0.15 | ||
| Q4 24 | $1.23 | $0.05 | ||
| Q3 24 | $1.34 | $-0.08 | ||
| Q2 24 | $1.78 | $-0.10 |
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 | $67.6M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $419.1M |
| 总资产 | $7.6B | — |
| 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CASHRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $331.2M | $96.4M | ||
| Q3 25 | $120.6M | $74.8M | ||
| Q2 25 | $258.3M | $60.5M | ||
| Q1 25 | $254.2M | $71.2M | ||
| Q4 24 | $597.4M | $87.8M | ||
| Q3 24 | $158.3M | $37.2M | ||
| Q2 24 | $298.9M | $64.6M |
总债务CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | $33.5M | $342.1M | ||
| Q3 25 | $33.5M | $344.3M | ||
| Q2 25 | $33.4M | $346.5M | ||
| Q1 25 | $33.4M | $347.4M | ||
| Q4 24 | $33.4M | $348.3M | ||
| Q3 24 | $33.4M | $349.1M | ||
| Q2 24 | $33.3M | $350.0M |
股东权益CASHRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $854.5M | $449.0M | ||
| Q3 25 | $858.0M | $360.1M | ||
| Q2 25 | $819.0M | $370.4M | ||
| Q1 25 | $814.7M | $381.8M | ||
| Q4 24 | $758.3M | $404.6M | ||
| Q3 24 | $822.5M | $395.5M | ||
| Q2 24 | $748.4M | $405.0M |
总资产CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | $7.6B | $1.2B | ||
| Q3 25 | $7.2B | $1.1B | ||
| Q2 25 | $7.2B | $1.1B | ||
| Q1 25 | $7.0B | $1.1B | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.1B | ||
| Q2 24 | $7.5B | $1.1B |
负债/权益比CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | 0.04× | 0.76× | ||
| Q3 25 | 0.04× | 0.96× | ||
| Q2 25 | 0.04× | 0.94× | ||
| Q1 25 | 0.04× | 0.91× | ||
| Q4 24 | 0.04× | 0.86× | ||
| Q3 24 | 0.04× | 0.88× | ||
| Q2 24 | 0.04× | 0.86× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $104.1M | — |
| 自由现金流率自由现金流/营收 | 60.1% | — |
| 资本支出强度资本支出/营收 | 2.4% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $29.2M | ||
| Q3 25 | $303.7M | $26.5M | ||
| Q2 25 | $30.4M | $-795.0K | ||
| Q1 25 | $188.3M | $-3.5M | ||
| Q4 24 | $-71.7M | $61.8M | ||
| Q3 24 | $143.1M | $-14.8M | ||
| Q2 24 | $113.2M | $-9.8M |
自由现金流CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $27.3M | ||
| Q3 25 | $300.3M | $21.0M | ||
| Q2 25 | $27.7M | $-6.5M | ||
| Q1 25 | $184.7M | $-15.7M | ||
| Q4 24 | $-73.8M | $53.8M | ||
| Q3 24 | $138.8M | $-23.7M | ||
| Q2 24 | $111.0M | $-12.9M |
自由现金流率CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 12.0% | ||
| Q3 25 | 160.9% | 9.7% | ||
| Q2 25 | 14.1% | -2.9% | ||
| Q1 25 | 67.2% | -8.7% | ||
| Q4 24 | -40.4% | 21.4% | ||
| Q3 24 | 77.3% | -11.3% | ||
| Q2 24 | 58.8% | -6.7% |
资本支出强度CASHRBBN
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.9% | ||
| Q3 25 | 1.8% | 2.6% | ||
| Q2 25 | 1.4% | 2.6% | ||
| Q1 25 | 1.3% | 6.7% | ||
| Q4 24 | 1.1% | 3.2% | ||
| Q3 24 | 2.4% | 4.2% | ||
| Q2 24 | 1.2% | 1.6% |
现金转化率CASHRBBN
| Q1 26 | — | — | ||
| 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× | — |
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% |
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
