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PATHWARD FINANCIAL, INC.（CASH）与Rocket Lab Corp（RKLB）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Rocket Lab Corp的1.5倍（$276.3M vs $179.7M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -29.5%，领先55.8%），过去两年Rocket Lab Corp的营收复合增速更高（39.2% vs 21.0%）
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。
Rocket Lab是公开上市的航空航天制造商及发射服务提供商，旗下Electron轨道火箭主打小型卫星发射，截至2026年1月已成功完成超75次任务，是全球现役发射次数最多的小型运载火箭。公司还开发了Electron的亚轨道改型HASTE用作高超音速技术测试平台，下一代可复用中型运载火箭Neutron目前也在研发中。
CASH vs RKLB — 直观对比
营收规模更大
CASH
是对方的1.5倍
$179.7M
净利率更高
CASH
高出55.8%
-29.5%
两年增速更快
RKLB
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $179.7M |
| 净利润 | $72.9M | $-52.9M |
| 毛利率 | — | 38.0% |
| 营业利润率 | — | -28.4% |
| 净利率 | 26.4% | -29.5% |
| 营收同比 | — | 35.7% |
| 净利润同比 | — | -1.1% |
| 每股收益（稀释后） | $3.35 | $-0.09 |
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CASHRKLB
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $179.7M | ||
| Q3 25 | $186.7M | $155.1M | ||
| Q2 25 | $195.8M | $144.5M | ||
| Q1 25 | $274.8M | $122.6M | ||
| Q4 24 | $182.6M | $132.4M | ||
| Q3 24 | $179.5M | $104.8M | ||
| Q2 24 | $188.6M | $106.3M |
净利润CASHRKLB
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-52.9M | ||
| Q3 25 | $38.8M | $-18.3M | ||
| Q2 25 | $42.1M | $-66.4M | ||
| Q1 25 | $75.0M | $-60.6M | ||
| Q4 24 | $30.0M | $-52.3M | ||
| Q3 24 | $33.5M | $-51.9M | ||
| Q2 24 | $44.9M | $-41.6M |
毛利率CASHRKLB
| Q1 26 | — | — | ||
| Q4 25 | — | 38.0% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 32.1% | ||
| Q1 25 | — | 28.8% | ||
| Q4 24 | — | 27.8% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 25.6% |
营业利润率CASHRKLB
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -28.4% | ||
| Q3 25 | 25.9% | -38.0% | ||
| Q2 25 | 24.1% | -41.3% | ||
| Q1 25 | 33.2% | -48.3% | ||
| Q4 24 | 19.8% | -38.9% | ||
| Q3 24 | 20.9% | -49.5% | ||
| Q2 24 | 27.1% | -40.7% |
净利率CASHRKLB
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -29.5% | ||
| Q3 25 | 20.8% | -11.8% | ||
| Q2 25 | 21.5% | -46.0% | ||
| Q1 25 | 27.3% | -49.5% | ||
| Q4 24 | 16.4% | -39.5% | ||
| Q3 24 | 18.7% | -49.6% | ||
| Q2 24 | 23.8% | -39.2% |
每股收益（稀释后）CASHRKLB
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.09 | ||
| Q3 25 | $1.69 | $-0.03 | ||
| Q2 25 | $1.81 | $-0.13 | ||
| Q1 25 | $3.14 | $-0.12 | ||
| Q4 24 | $1.23 | $-0.11 | ||
| Q3 24 | $1.34 | $-0.10 | ||
| Q2 24 | $1.78 | $-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 | $157.6M | $1.0B |
| 总债务越低越好 | $59.5M | $152.4M |
| 股东权益账面价值 | $850.7M | $1.7B |
| 总资产 | $7.1B | $2.3B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资CASHRKLB
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $1.0B | ||
| Q3 25 | $120.6M | $976.7M | ||
| Q2 25 | $258.3M | $688.1M | ||
| Q1 25 | $254.2M | $428.4M | ||
| Q4 24 | $597.4M | $419.0M | ||
| Q3 24 | $158.3M | $442.4M | ||
| Q2 24 | $298.9M | $496.8M |
总债务CASHRKLB
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $152.4M | ||
| Q3 25 | $33.5M | $347.0M | ||
| Q2 25 | $33.4M | $346.5M | ||
| Q1 25 | $33.4M | $345.9M | ||
| Q4 24 | $33.4M | $345.4M | ||
| Q3 24 | $33.4M | $61.2M | ||
| Q2 24 | $33.3M | $64.2M |
股东权益CASHRKLB
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.7B | ||
| Q3 25 | $858.0M | $1.3B | ||
| Q2 25 | $819.0M | $688.5M | ||
| Q1 25 | $814.7M | $431.3M | ||
| Q4 24 | $758.3M | $382.5M | ||
| Q3 24 | $822.5M | $419.8M | ||
| Q2 24 | $748.4M | $455.2M |
总资产CASHRKLB
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.3B | ||
| Q3 25 | $7.2B | $2.2B | ||
| Q2 25 | $7.2B | $1.6B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.2B | ||
| Q2 24 | $7.5B | $1.2B |
负债/权益比CASHRKLB
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.09× | ||
| Q3 25 | 0.04× | 0.27× | ||
| Q2 25 | 0.04× | 0.50× | ||
| Q1 25 | 0.04× | 0.80× | ||
| Q4 24 | 0.04× | 0.90× | ||
| Q3 24 | 0.04× | 0.15× | ||
| Q2 24 | 0.04× | 0.14× |
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 | — | $-64.5M |
| 自由现金流经营现金流 - 资本支出 | — | $-114.2M |
| 自由现金流率自由现金流/营收 | — | -63.6% |
| 资本支出强度资本支出/营收 | — | 27.6% |
| 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 | — | $-321.8M |
8季度趋势，按日历期对齐
经营现金流CASHRKLB
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-64.5M | ||
| Q3 25 | $303.7M | $-23.5M | ||
| Q2 25 | $30.4M | $-23.2M | ||
| Q1 25 | $188.3M | $-54.2M | ||
| Q4 24 | $-71.7M | $-2.4M | ||
| Q3 24 | $143.1M | $-30.9M | ||
| Q2 24 | $113.2M | $-13.0M |
自由现金流CASHRKLB
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-114.2M | ||
| Q3 25 | $300.3M | $-69.4M | ||
| Q2 25 | $27.7M | $-55.3M | ||
| Q1 25 | $184.7M | $-82.9M | ||
| Q4 24 | $-73.8M | $-23.9M | ||
| Q3 24 | $138.8M | $-41.9M | ||
| Q2 24 | $111.0M | $-28.3M |
自由现金流率CASHRKLB
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -63.6% | ||
| Q3 25 | 160.9% | -44.8% | ||
| Q2 25 | 14.1% | -38.3% | ||
| Q1 25 | 67.2% | -67.6% | ||
| Q4 24 | -40.4% | -18.1% | ||
| Q3 24 | 77.3% | -40.0% | ||
| Q2 24 | 58.8% | -26.7% |
资本支出强度CASHRKLB
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 27.6% | ||
| Q3 25 | 1.8% | 29.6% | ||
| Q2 25 | 1.4% | 22.2% | ||
| Q1 25 | 1.3% | 23.4% | ||
| Q4 24 | 1.1% | 16.3% | ||
| Q3 24 | 2.4% | 10.5% | ||
| Q2 24 | 1.2% | 14.4% |
现金转化率CASHRKLB
| 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
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
RKLB
| Products | $94.0M | 52% |
| Transferred Over Time | $87.3M | 49% |
