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PATHWARD FINANCIAL, INC.（CASH）与RESOURCES CONNECTION, INC.（RGP）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RESOURCES CONNECTION, INC.的1.5倍（$173.1M vs $117.7M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -10.8%，领先31.1%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -19.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $15.6M），过去两年RESOURCES CONNECTION, INC.的营收复合增速更高（-11.8% 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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
CASH vs RGP — 直观对比
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $117.7M |
| 净利润 | $35.2M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | 24.6% | -10.3% |
| 净利率 | 20.3% | -10.8% |
| 营收同比 | -0.2% | -19.2% |
| 净利润同比 | 11.9% | 81.6% |
| 每股收益（稀释后） | $1.57 | $-0.38 |
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
| Q4 25 | $173.1M | $117.7M | ||
| Q3 25 | $186.7M | $120.2M | ||
| Q2 25 | $195.8M | $139.3M | ||
| Q1 25 | $274.8M | $129.4M | ||
| Q4 24 | $182.6M | $145.6M | ||
| Q3 24 | $179.5M | $136.9M | ||
| Q2 24 | $188.6M | $148.2M | ||
| Q1 24 | $257.6M | $151.3M |
| Q4 25 | $35.2M | $-12.7M | ||
| Q3 25 | $38.8M | $-2.4M | ||
| Q2 25 | $42.1M | $-73.3M | ||
| Q1 25 | $75.0M | $-44.1M | ||
| Q4 24 | $30.0M | $-68.7M | ||
| Q3 24 | $33.5M | $-5.7M | ||
| Q2 24 | $44.9M | $10.5M | ||
| Q1 24 | $69.9M | $2.5M |
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 39.5% | ||
| Q2 25 | — | 40.2% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 38.5% | ||
| Q3 24 | — | 36.5% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 37.0% |
| Q4 25 | 24.6% | -10.3% | ||
| Q3 25 | 25.9% | -1.7% | ||
| Q2 25 | 24.1% | -47.0% | ||
| Q1 25 | 33.2% | -38.4% | ||
| Q4 24 | 19.8% | -52.7% | ||
| Q3 24 | 20.9% | -3.5% | ||
| Q2 24 | 27.1% | 7.6% | ||
| Q1 24 | 33.8% | 2.8% |
| Q4 25 | 20.3% | -10.8% | ||
| Q3 25 | 20.8% | -2.0% | ||
| Q2 25 | 21.5% | -52.6% | ||
| Q1 25 | 27.3% | -34.0% | ||
| Q4 24 | 16.4% | -47.2% | ||
| Q3 24 | 18.7% | -4.2% | ||
| Q2 24 | 23.8% | 7.1% | ||
| Q1 24 | 27.1% | 1.7% |
| Q4 25 | $1.57 | $-0.38 | ||
| Q3 25 | $1.69 | $-0.07 | ||
| Q2 25 | $1.81 | $-2.21 | ||
| Q1 25 | $3.14 | $-1.34 | ||
| Q4 24 | $1.23 | $-2.08 | ||
| Q3 24 | $1.34 | $-0.17 | ||
| Q2 24 | $1.78 | $0.31 | ||
| Q1 24 | $2.74 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $194.6M |
| 总资产 | $7.6B | $289.3M |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
| Q4 25 | $331.2M | $89.8M | ||
| Q3 25 | $120.6M | $77.5M | ||
| Q2 25 | $258.3M | $86.1M | ||
| Q1 25 | $254.2M | $72.5M | ||
| Q4 24 | $597.4M | $78.2M | ||
| Q3 24 | $158.3M | $89.6M | ||
| Q2 24 | $298.9M | $108.9M | ||
| Q1 24 | $347.9M | $113.8M |
| 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 | — | ||
| Q1 24 | $33.4M | — |
| Q4 25 | $854.5M | $194.6M | ||
| Q3 25 | $858.0M | $206.4M | ||
| Q2 25 | $819.0M | $207.1M | ||
| Q1 25 | $814.7M | $277.8M | ||
| Q4 24 | $758.3M | $325.7M | ||
| Q3 24 | $822.5M | $407.2M | ||
| Q2 24 | $748.4M | $418.8M | ||
| Q1 24 | $719.5M | $414.9M |
| Q4 25 | $7.6B | $289.3M | ||
| Q3 25 | $7.2B | $287.2M | ||
| Q2 25 | $7.2B | $304.7M | ||
| Q1 25 | $7.0B | $375.6M | ||
| Q4 24 | $7.6B | $424.9M | ||
| Q3 24 | $7.5B | $512.9M | ||
| Q2 24 | $7.5B | $510.9M | ||
| Q1 24 | $7.4B | $523.2M |
| 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× | — | ||
| Q1 24 | 0.05× | — |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $15.6M |
| 自由现金流率自由现金流/营收 | 60.1% | 13.2% |
| 资本支出强度资本支出/营收 | 2.4% | 0.3% |
| 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 | $24.3M |
8季度趋势，按日历期对齐
| Q4 25 | $108.3M | $15.9M | ||
| Q3 25 | $303.7M | $-7.8M | ||
| Q2 25 | $30.4M | $16.8M | ||
| Q1 25 | $188.3M | $659.0K | ||
| Q4 24 | $-71.7M | $1.8M | ||
| Q3 24 | $143.1M | $-309.0K | ||
| Q2 24 | $113.2M | $3.2M | ||
| Q1 24 | $203.0M | $20.5M |
| Q4 25 | $104.1M | $15.6M | ||
| Q3 25 | $300.3M | $-8.0M | ||
| Q2 25 | $27.7M | $16.5M | ||
| Q1 25 | $184.7M | $238.0K | ||
| Q4 24 | $-73.8M | $61.0K | ||
| Q3 24 | $138.8M | $-575.0K | ||
| Q2 24 | $111.0M | $3.0M | ||
| Q1 24 | $201.3M | $20.4M |
| Q4 25 | 60.1% | 13.2% | ||
| Q3 25 | 160.9% | -6.6% | ||
| Q2 25 | 14.1% | 11.8% | ||
| Q1 25 | 67.2% | 0.2% | ||
| Q4 24 | -40.4% | 0.0% | ||
| Q3 24 | 77.3% | -0.4% | ||
| Q2 24 | 58.8% | 2.1% | ||
| Q1 24 | 78.1% | 13.5% |
| Q4 25 | 2.4% | 0.3% | ||
| Q3 25 | 1.8% | 0.1% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.3% | 0.3% | ||
| Q4 24 | 1.1% | 1.2% | ||
| Q3 24 | 2.4% | 0.2% | ||
| Q2 24 | 1.2% | 0.1% | ||
| Q1 24 | 0.7% | 0.1% |
| 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× | 0.30× | ||
| Q1 24 | 2.90× | 8.04× |
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
| 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% |
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
