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PATHWARD FINANCIAL, INC.（CASH）与Ranger Energy Services, Inc.（RNGR）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Ranger Energy Services, Inc.的1.2倍（$173.1M vs $142.2M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 2.3%，领先18.1%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -0.6%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $17.1M），过去两年Ranger Energy Services, Inc.的营收复合增速更高（1.9% 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。
Ranger Energy Services是北美领先的陆上油田服务提供商，为上游油气运营商提供完井、修井、钻机作业及产能优化等全套解决方案，业务主要覆盖美国本土的页岩和致密资源开采作业区。
CASH vs RNGR — 直观对比
营收规模更大
CASH
是对方的1.2倍
$142.2M
营收增速更快
CASH
高出0.4%
-0.6%
净利率更高
CASH
高出18.1%
2.3%
自由现金流更多
CASH
多$87.0M
$17.1M
两年增速更快
RNGR
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $142.2M |
| 净利润 | $35.2M | $3.2M |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | 2.3% |
| 净利率 | 20.3% | 2.3% |
| 营收同比 | -0.2% | -0.6% |
| 净利润同比 | 11.9% | -44.8% |
| 每股收益（稀释后） | $1.57 | $0.14 |
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CASHRNGR
| Q4 25 | $173.1M | $142.2M | ||
| Q3 25 | $186.7M | $128.9M | ||
| Q2 25 | $195.8M | $140.6M | ||
| Q1 25 | $274.8M | $135.2M | ||
| Q4 24 | $182.6M | $143.1M | ||
| Q3 24 | $179.5M | $153.0M | ||
| Q2 24 | $188.6M | $138.1M | ||
| Q1 24 | $257.6M | $136.9M |
净利润CASHRNGR
| Q4 25 | $35.2M | $3.2M | ||
| Q3 25 | $38.8M | $1.2M | ||
| Q2 25 | $42.1M | $7.3M | ||
| Q1 25 | $75.0M | $600.0K | ||
| Q4 24 | $30.0M | $5.8M | ||
| Q3 24 | $33.5M | $8.7M | ||
| Q2 24 | $44.9M | $4.7M | ||
| Q1 24 | $69.9M | $-800.0K |
营业利润率CASHRNGR
| Q4 25 | 24.6% | 2.3% | ||
| Q3 25 | 25.9% | 2.0% | ||
| Q2 25 | 24.1% | 6.1% | ||
| Q1 25 | 33.2% | 0.7% | ||
| Q4 24 | 19.8% | 6.2% | ||
| Q3 24 | 20.9% | 8.4% | ||
| Q2 24 | 27.1% | 5.3% | ||
| Q1 24 | 33.8% | -0.4% |
净利率CASHRNGR
| Q4 25 | 20.3% | 2.3% | ||
| Q3 25 | 20.8% | 0.9% | ||
| Q2 25 | 21.5% | 5.2% | ||
| Q1 25 | 27.3% | 0.4% | ||
| Q4 24 | 16.4% | 4.1% | ||
| Q3 24 | 18.7% | 5.7% | ||
| Q2 24 | 23.8% | 3.4% | ||
| Q1 24 | 27.1% | -0.6% |
每股收益（稀释后）CASHRNGR
| Q4 25 | $1.57 | $0.14 | ||
| Q3 25 | $1.69 | $0.05 | ||
| Q2 25 | $1.81 | $0.32 | ||
| Q1 25 | $3.14 | $0.03 | ||
| Q4 24 | $1.23 | $0.24 | ||
| Q3 24 | $1.34 | $0.39 | ||
| Q2 24 | $1.78 | $0.21 | ||
| Q1 24 | $2.74 | $-0.03 |
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 | $10.3M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $300.1M |
| 总资产 | $7.6B | $419.3M |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHRNGR
| Q4 25 | $331.2M | $10.3M | ||
| Q3 25 | $120.6M | $45.2M | ||
| Q2 25 | $258.3M | $48.9M | ||
| Q1 25 | $254.2M | $40.3M | ||
| Q4 24 | $597.4M | $40.9M | ||
| Q3 24 | $158.3M | $14.8M | ||
| Q2 24 | $298.9M | $8.7M | ||
| Q1 24 | $347.9M | $11.1M |
总债务CASHRNGR
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $0 | ||
| Q3 24 | $33.4M | $0 | ||
| Q2 24 | $33.3M | $0 | ||
| Q1 24 | $33.4M | $0 |
股东权益CASHRNGR
| Q4 25 | $854.5M | $300.1M | ||
| Q3 25 | $858.0M | $270.0M | ||
| Q2 25 | $819.0M | $276.9M | ||
| Q1 25 | $814.7M | $272.6M | ||
| Q4 24 | $758.3M | $273.8M | ||
| Q3 24 | $822.5M | $267.6M | ||
| Q2 24 | $748.4M | $260.5M | ||
| Q1 24 | $719.5M | $261.7M |
总资产CASHRNGR
| Q4 25 | $7.6B | $419.3M | ||
| Q3 25 | $7.2B | $372.8M | ||
| Q2 25 | $7.2B | $381.7M | ||
| Q1 25 | $7.0B | $376.5M | ||
| Q4 24 | $7.6B | $381.6M | ||
| Q3 24 | $7.5B | $373.9M | ||
| Q2 24 | $7.5B | $359.6M | ||
| Q1 24 | $7.4B | $355.5M |
负债/权益比CASHRNGR
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.00× | ||
| Q3 24 | 0.04× | 0.00× | ||
| Q2 24 | 0.04× | 0.00× | ||
| Q1 24 | 0.05× | 0.00× |
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 | $24.1M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $17.1M |
| 自由现金流率自由现金流/营收 | 60.1% | 12.0% |
| 资本支出强度资本支出/营收 | 2.4% | 4.9% |
| 现金转化率经营现金流/净利润 | 3.08× | 7.53× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $42.9M |
8季度趋势，按日历期对齐
经营现金流CASHRNGR
| Q4 25 | $108.3M | $24.1M | ||
| Q3 25 | $303.7M | $13.6M | ||
| Q2 25 | $30.4M | $20.7M | ||
| Q1 25 | $188.3M | $10.6M | ||
| Q4 24 | $-71.7M | $32.7M | ||
| Q3 24 | $143.1M | $17.7M | ||
| Q2 24 | $113.2M | $22.1M | ||
| Q1 24 | $203.0M | $12.0M |
自由现金流CASHRNGR
| Q4 25 | $104.1M | $17.1M | ||
| Q3 25 | $300.3M | $8.0M | ||
| Q2 25 | $27.7M | $14.4M | ||
| Q1 25 | $184.7M | $3.4M | ||
| Q4 24 | $-73.8M | $27.3M | ||
| Q3 24 | $138.8M | $10.8M | ||
| Q2 24 | $111.0M | $6.8M | ||
| Q1 24 | $201.3M | $5.5M |
自由现金流率CASHRNGR
| Q4 25 | 60.1% | 12.0% | ||
| Q3 25 | 160.9% | 6.2% | ||
| Q2 25 | 14.1% | 10.2% | ||
| Q1 25 | 67.2% | 2.5% | ||
| Q4 24 | -40.4% | 19.1% | ||
| Q3 24 | 77.3% | 7.1% | ||
| Q2 24 | 58.8% | 4.9% | ||
| Q1 24 | 78.1% | 4.0% |
资本支出强度CASHRNGR
| Q4 25 | 2.4% | 4.9% | ||
| Q3 25 | 1.8% | 4.3% | ||
| Q2 25 | 1.4% | 4.5% | ||
| Q1 25 | 1.3% | 5.3% | ||
| Q4 24 | 1.1% | 3.8% | ||
| Q3 24 | 2.4% | 4.5% | ||
| Q2 24 | 1.2% | 11.1% | ||
| Q1 24 | 0.7% | 4.7% |
现金转化率CASHRNGR
| Q4 25 | 3.08× | 7.53× | ||
| Q3 25 | 7.83× | 11.33× | ||
| Q2 25 | 0.72× | 2.84× | ||
| Q1 25 | 2.51× | 17.67× | ||
| Q4 24 | -2.39× | 5.64× | ||
| Q3 24 | 4.27× | 2.03× | ||
| Q2 24 | 2.52× | 4.70× | ||
| Q1 24 | 2.90× | — |
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% |
RNGR
| High Specification Rigs | $92.3M | 65% |
| Processing Solutions And Ancillary Services | $37.5M | 26% |
| Wireline Services | $12.4M | 9% |
