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PATHWARD FINANCIAL, INC.（CASH）与REPLIGEN CORP（RGEN）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REPLIGEN CORP的1.4倍（$276.3M vs $197.9M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 6.7%，领先19.7%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 14.4%）
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。
Repligen是一家全球生命科学企业，专注于创新生物工艺技术与系统的研发及商业化，助力提升生物药生产效率。公司1981年成立，总部位于美国马萨诸塞州沃尔瑟姆，于纳斯达克挂牌上市，股票代码RGEN，截至2025年全球员工超1900人，主要服务生物制药领域客户。
CASH vs RGEN — 直观对比
营收规模更大
CASH
是对方的1.4倍
$197.9M
净利率更高
CASH
高出19.7%
6.7%
两年增速更快
CASH
近两年复合增速
14.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $197.9M |
| 净利润 | $72.9M | $13.3M |
| 毛利率 | — | 52.5% |
| 营业利润率 | — | 9.0% |
| 净利率 | 26.4% | 6.7% |
| 营收同比 | — | 13.6% |
| 净利润同比 | — | 143.9% |
| 每股收益（稀释后） | $3.35 | $0.24 |
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CASHRGEN
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $197.9M | ||
| Q3 25 | $186.7M | $188.8M | ||
| Q2 25 | $195.8M | $182.4M | ||
| Q1 25 | $274.8M | $169.2M | ||
| Q4 24 | $182.6M | $174.1M | ||
| Q3 24 | $179.5M | $154.9M | ||
| Q2 24 | $188.6M | $154.1M |
净利润CASHRGEN
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $13.3M | ||
| Q3 25 | $38.8M | $14.9M | ||
| Q2 25 | $42.1M | $14.9M | ||
| Q1 25 | $75.0M | $5.8M | ||
| Q4 24 | $30.0M | $-30.3M | ||
| Q3 24 | $33.5M | $-654.0K | ||
| Q2 24 | $44.9M | $3.3M |
毛利率CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 52.5% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 50.0% | ||
| Q1 25 | — | 53.6% | ||
| Q4 24 | — | 26.1% | ||
| Q3 24 | — | 50.0% | ||
| Q2 24 | — | 49.8% |
营业利润率CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 9.0% | ||
| Q3 25 | 25.9% | 8.9% | ||
| Q2 25 | 24.1% | 7.6% | ||
| Q1 25 | 33.2% | 3.9% | ||
| Q4 24 | 19.8% | -17.7% | ||
| Q3 24 | 20.9% | -5.1% | ||
| Q2 24 | 27.1% | 1.0% |
净利率CASHRGEN
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 6.7% | ||
| Q3 25 | 20.8% | 7.9% | ||
| Q2 25 | 21.5% | 8.2% | ||
| Q1 25 | 27.3% | 3.4% | ||
| Q4 24 | 16.4% | -17.4% | ||
| Q3 24 | 18.7% | -0.4% | ||
| Q2 24 | 23.8% | 2.2% |
每股收益（稀释后）CASHRGEN
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.24 | ||
| Q3 25 | $1.69 | $0.26 | ||
| Q2 25 | $1.81 | $0.26 | ||
| Q1 25 | $3.14 | $0.10 | ||
| Q4 24 | $1.23 | $-0.55 | ||
| Q3 24 | $1.34 | $-0.01 | ||
| Q2 24 | $1.78 | $0.06 |
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 | $767.6M |
| 总债务越低越好 | $59.5M | $542.2M |
| 股东权益账面价值 | $850.7M | $2.1B |
| 总资产 | $7.1B | $2.9B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资CASHRGEN
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $767.6M | ||
| Q3 25 | $120.6M | $748.7M | ||
| Q2 25 | $258.3M | $708.9M | ||
| Q1 25 | $254.2M | $697.2M | ||
| Q4 24 | $597.4M | $757.4M | ||
| Q3 24 | $158.3M | $784.0M | ||
| Q2 24 | $298.9M | $809.1M |
总债务CASHRGEN
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $542.2M | ||
| Q3 25 | $33.5M | $537.9M | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $525.6M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHRGEN
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $2.1B | ||
| Q3 25 | $858.0M | $2.1B | ||
| Q2 25 | $819.0M | $2.1B | ||
| Q1 25 | $814.7M | $2.0B | ||
| Q4 24 | $758.3M | $2.0B | ||
| Q3 24 | $822.5M | $2.0B | ||
| Q2 24 | $748.4M | $2.0B |
总资产CASHRGEN
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.9B | ||
| Q3 25 | $7.2B | $2.9B | ||
| Q2 25 | $7.2B | $2.9B | ||
| Q1 25 | $7.0B | $2.9B | ||
| Q4 24 | $7.6B | $2.8B | ||
| Q3 24 | $7.5B | $2.8B | ||
| Q2 24 | $7.5B | $2.9B |
负债/权益比CASHRGEN
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.26× | ||
| Q3 25 | 0.04× | 0.26× | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.27× | ||
| 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 | — | $25.7M |
| 自由现金流经营现金流 - 资本支出 | — | $17.6M |
| 自由现金流率自由现金流/营收 | — | 8.9% |
| 资本支出强度资本支出/营收 | — | 4.1% |
| 现金转化率经营现金流/净利润 | — | 1.93× |
| 过去12个月自由现金流最近4个季度 | — | $93.9M |
8季度趋势，按日历期对齐
经营现金流CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $25.7M | ||
| Q3 25 | $303.7M | $48.1M | ||
| Q2 25 | $30.4M | $28.6M | ||
| Q1 25 | $188.3M | $15.0M | ||
| Q4 24 | $-71.7M | $39.2M | ||
| Q3 24 | $143.1M | $49.3M | ||
| Q2 24 | $113.2M | $42.2M |
自由现金流CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $17.6M | ||
| Q3 25 | $300.3M | $43.4M | ||
| Q2 25 | $27.7M | $21.5M | ||
| Q1 25 | $184.7M | $11.4M | ||
| Q4 24 | $-73.8M | $33.6M | ||
| Q3 24 | $138.8M | $42.3M | ||
| Q2 24 | $111.0M | $37.4M |
自由现金流率CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 8.9% | ||
| Q3 25 | 160.9% | 23.0% | ||
| Q2 25 | 14.1% | 11.8% | ||
| Q1 25 | 67.2% | 6.8% | ||
| Q4 24 | -40.4% | 19.3% | ||
| Q3 24 | 77.3% | 27.3% | ||
| Q2 24 | 58.8% | 24.3% |
资本支出强度CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 4.1% | ||
| Q3 25 | 1.8% | 2.5% | ||
| Q2 25 | 1.4% | 3.9% | ||
| Q1 25 | 1.3% | 2.1% | ||
| Q4 24 | 1.1% | 3.2% | ||
| Q3 24 | 2.4% | 4.5% | ||
| Q2 24 | 1.2% | 3.1% |
现金转化率CASHRGEN
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.93× | ||
| Q3 25 | 7.83× | 3.23× | ||
| Q2 25 | 0.72× | 1.92× | ||
| Q1 25 | 2.51× | 2.57× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | 12.70× |
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% |
RGEN
暂无分部数据
