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PATHWARD FINANCIAL, INC.（CASH）与Regency Centers（REG）财务数据对比。点击上方公司名可切换其他公司
Regency Centers的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$404.2M vs $276.3M），Regency Centers净利率更高（50.1% vs 26.4%，领先23.7%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 5.4%）
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。
Regency Centers是总部位于美国佛罗里达州杰克逊维尔的房地产投资信托基金，也是以超市为核心租户的大型购物中心运营商之一。截至2020年10月21日，公司共持有415处物业，总建筑面积达5600万平方英尺，知名资产包括Serramonte Center及Village District 30%的股权。
CASH vs REG — 直观对比
营收规模更大
REG
是对方的1.5倍
$276.3M
净利率更高
REG
高出23.7%
26.4%
两年增速更快
CASH
近两年复合增速
5.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $404.2M |
| 净利润 | $72.9M | $202.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 71.0% |
| 净利率 | 26.4% | 50.1% |
| 营收同比 | — | 8.5% |
| 净利润同比 | — | 134.1% |
| 每股收益（稀释后） | $3.35 | — |
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CASHREG
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $404.2M | ||
| Q3 25 | $186.7M | $387.6M | ||
| Q2 25 | $195.8M | $380.8M | ||
| Q1 25 | $274.8M | $380.9M | ||
| Q4 24 | $182.6M | $372.5M | ||
| Q3 24 | $179.5M | $360.3M | ||
| Q2 24 | $188.6M | $357.3M |
净利润CASHREG
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $202.5M | ||
| Q3 25 | $38.8M | $109.4M | ||
| Q2 25 | $42.1M | $106.0M | ||
| Q1 25 | $75.0M | $109.6M | ||
| Q4 24 | $30.0M | $86.5M | ||
| Q3 24 | $33.5M | $101.5M | ||
| Q2 24 | $44.9M | $102.7M |
营业利润率CASHREG
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 71.0% | ||
| Q3 25 | 25.9% | 72.7% | ||
| Q2 25 | 24.1% | 73.8% | ||
| Q1 25 | 33.2% | 71.8% | ||
| Q4 24 | 19.8% | 71.1% | ||
| Q3 24 | 20.9% | 72.5% | ||
| Q2 24 | 27.1% | 72.3% |
净利率CASHREG
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 50.1% | ||
| Q3 25 | 20.8% | 28.2% | ||
| Q2 25 | 21.5% | 27.8% | ||
| Q1 25 | 27.3% | 28.8% | ||
| Q4 24 | 16.4% | 23.2% | ||
| Q3 24 | 18.7% | 28.2% | ||
| Q2 24 | 23.8% | 28.7% |
每股收益（稀释后）CASHREG
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | — |
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 | — |
| 总债务越低越好 | $59.5M | $4.7B |
| 股东权益账面价值 | $850.7M | $6.9B |
| 总资产 | $7.1B | $13.0B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资CASHREG
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHREG
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $4.7B | ||
| Q3 25 | $33.5M | $4.9B | ||
| Q2 25 | $33.4M | $4.8B | ||
| Q1 25 | $33.4M | $4.6B | ||
| Q4 24 | $33.4M | $4.4B | ||
| Q3 24 | $33.4M | $4.4B | ||
| Q2 24 | $33.3M | $4.4B |
股东权益CASHREG
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $6.9B | ||
| Q3 25 | $858.0M | $6.8B | ||
| Q2 25 | $819.0M | $6.7B | ||
| Q1 25 | $814.7M | $6.7B | ||
| Q4 24 | $758.3M | $6.7B | ||
| Q3 24 | $822.5M | $6.8B | ||
| Q2 24 | $748.4M | $6.8B |
总资产CASHREG
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $13.0B | ||
| Q3 25 | $7.2B | $13.1B | ||
| Q2 25 | $7.2B | $12.7B | ||
| Q1 25 | $7.0B | $12.6B | ||
| Q4 24 | $7.6B | $12.4B | ||
| Q3 24 | $7.5B | $12.4B | ||
| Q2 24 | $7.5B | $12.4B |
负债/权益比CASHREG
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.69× | ||
| Q3 25 | 0.04× | 0.72× | ||
| Q2 25 | 0.04× | 0.72× | ||
| Q1 25 | 0.04× | 0.69× | ||
| Q4 24 | 0.04× | 0.66× | ||
| Q3 24 | 0.04× | 0.65× | ||
| Q2 24 | 0.04× | 0.64× |
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 | — | $203.9M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.01× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHREG
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $203.9M | ||
| Q3 25 | $303.7M | $218.7M | ||
| Q2 25 | $30.4M | $244.0M | ||
| Q1 25 | $188.3M | $161.0M | ||
| Q4 24 | $-71.7M | $191.4M | ||
| Q3 24 | $143.1M | $227.6M | ||
| Q2 24 | $113.2M | $203.5M |
自由现金流CASHREG
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | — |
自由现金流率CASHREG
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | — |
资本支出强度CASHREG
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
现金转化率CASHREG
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.01× | ||
| Q3 25 | 7.83× | 2.00× | ||
| Q2 25 | 0.72× | 2.30× | ||
| Q1 25 | 2.51× | 1.47× | ||
| Q4 24 | -2.39× | 2.21× | ||
| Q3 24 | 4.27× | 2.24× | ||
| Q2 24 | 2.52× | 1.98× |
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% |
REG
| Shopping Centers | $418.0M | 103% |
| Propertymanagementservices | $4.1M | 1% |
| Assetmanagementservices | $1.7M | 0% |
