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PATHWARD FINANCIAL, INC.（CASH）与RPC INC（RES）财务数据对比。点击上方公司名可切换其他公司
RPC INC的季度营收约是PATHWARD FINANCIAL, INC.的1.5倍（$425.8M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -0.7%，领先27.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 6.2%）
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。
RPC集团是总部位于英国的企业，曾是欧洲规模最大的塑料包装供应商之一，总部坐落于北安普敦郡的拉什登。该公司此前在伦敦证券交易所上市，2019年被贝瑞全球集团收购，贝瑞全球集团又于2025年被安海斯包装收购。
CASH vs RES — 直观对比
营收规模更大
RES
是对方的1.5倍
$276.3M
净利率更高
CASH
高出27.1%
-0.7%
两年增速更快
CASH
近两年复合增速
6.2%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $425.8M |
| 净利润 | $72.9M | $-3.1M |
| 毛利率 | — | 21.0% |
| 营业利润率 | — | -0.9% |
| 净利率 | 26.4% | -0.7% |
| 营收同比 | — | 27.0% |
| 净利润同比 | — | -124.0% |
| 每股收益（稀释后） | $3.35 | $-0.02 |
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CASHRES
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $425.8M | ||
| Q3 25 | $186.7M | $447.1M | ||
| Q2 25 | $195.8M | $420.8M | ||
| Q1 25 | $274.8M | $332.9M | ||
| Q4 24 | $182.6M | $335.4M | ||
| Q3 24 | $179.5M | $337.7M | ||
| Q2 24 | $188.6M | $364.2M |
净利润CASHRES
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-3.1M | ||
| Q3 25 | $38.8M | $13.0M | ||
| Q2 25 | $42.1M | $10.1M | ||
| Q1 25 | $75.0M | $12.0M | ||
| Q4 24 | $30.0M | $12.8M | ||
| Q3 24 | $33.5M | $18.8M | ||
| Q2 24 | $44.9M | $32.4M |
毛利率CASHRES
| Q1 26 | — | — | ||
| Q4 25 | — | 21.0% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 24.5% | ||
| Q1 25 | — | 26.7% | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 28.0% |
营业利润率CASHRES
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -0.9% | ||
| Q3 25 | 25.9% | 4.7% | ||
| Q2 25 | 24.1% | 3.7% | ||
| Q1 25 | 33.2% | 3.7% | ||
| Q4 24 | 19.8% | 3.1% | ||
| Q3 24 | 20.9% | 5.7% | ||
| Q2 24 | 27.1% | 9.7% |
净利率CASHRES
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -0.7% | ||
| Q3 25 | 20.8% | 2.9% | ||
| Q2 25 | 21.5% | 2.4% | ||
| Q1 25 | 27.3% | 3.6% | ||
| Q4 24 | 16.4% | 3.8% | ||
| Q3 24 | 18.7% | 5.6% | ||
| Q2 24 | 23.8% | 8.9% |
每股收益（稀释后）CASHRES
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.02 | ||
| Q3 25 | $1.69 | $0.06 | ||
| Q2 25 | $1.81 | $0.05 | ||
| Q1 25 | $3.14 | $0.06 | ||
| Q4 24 | $1.23 | $0.06 | ||
| Q3 24 | $1.34 | $0.09 | ||
| Q2 24 | $1.78 | $0.15 |
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 | $210.0M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $1.1B |
| 总资产 | $7.1B | $1.5B |
| 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CASHRES
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $210.0M | ||
| Q3 25 | $120.6M | $163.5M | ||
| Q2 25 | $258.3M | $162.1M | ||
| Q1 25 | $254.2M | $326.7M | ||
| Q4 24 | $597.4M | $326.0M | ||
| Q3 24 | $158.3M | $276.9M | ||
| Q2 24 | $298.9M | $261.5M |
总债务CASHRES
| 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CASHRES
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.1B | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.1B | ||
| Q3 24 | $822.5M | $1.1B | ||
| Q2 24 | $748.4M | $1.1B |
总资产CASHRES
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.5B | ||
| Q3 25 | $7.2B | $1.5B | ||
| Q2 25 | $7.2B | $1.5B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | $1.4B | ||
| Q3 24 | $7.5B | $1.3B | ||
| Q2 24 | $7.5B | $1.3B |
负债/权益比CASHRES
| 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 | — | $61.9M |
| 自由现金流经营现金流 - 资本支出 | — | $31.2M |
| 自由现金流率自由现金流/营收 | — | 7.3% |
| 资本支出强度资本支出/营收 | — | 7.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $52.9M |
8季度趋势，按日历期对齐
经营现金流CASHRES
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $61.9M | ||
| Q3 25 | $303.7M | $46.5M | ||
| Q2 25 | $30.4M | $53.1M | ||
| Q1 25 | $188.3M | $39.9M | ||
| Q4 24 | $-71.7M | $94.2M | ||
| Q3 24 | $143.1M | $70.7M | ||
| Q2 24 | $113.2M | $127.9M |
自由现金流CASHRES
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $31.2M | ||
| Q3 25 | $300.3M | $4.1M | ||
| Q2 25 | $27.7M | $10.0M | ||
| Q1 25 | $184.7M | $7.6M | ||
| Q4 24 | $-73.8M | $53.7M | ||
| Q3 24 | $138.8M | $19.1M | ||
| Q2 24 | $111.0M | $52.9M |
自由现金流率CASHRES
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 7.3% | ||
| Q3 25 | 160.9% | 0.9% | ||
| Q2 25 | 14.1% | 2.4% | ||
| Q1 25 | 67.2% | 2.3% | ||
| Q4 24 | -40.4% | 16.0% | ||
| Q3 24 | 77.3% | 5.6% | ||
| Q2 24 | 58.8% | 14.5% |
资本支出强度CASHRES
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 7.2% | ||
| Q3 25 | 1.8% | 9.5% | ||
| Q2 25 | 1.4% | 10.2% | ||
| Q1 25 | 1.3% | 9.7% | ||
| Q4 24 | 1.1% | 12.1% | ||
| Q3 24 | 2.4% | 15.3% | ||
| Q2 24 | 1.2% | 20.6% |
现金转化率CASHRES
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 3.59× | ||
| Q2 25 | 0.72× | 5.23× | ||
| Q1 25 | 2.51× | 3.31× | ||
| Q4 24 | -2.39× | 7.38× | ||
| Q3 24 | 4.27× | 3.76× | ||
| Q2 24 | 2.52× | 3.95× |
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% |
RES
| Technical Service | $405.2M | 95% |
| Other | $8.8M | 2% |
| Nitrogen | $6.6M | 2% |
