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PATHWARD FINANCIAL, INC.（CASH）与Rapid7, Inc.（RPD）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Rapid7, Inc.的1.3倍（$276.3M vs $217.4M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 1.4%，领先24.9%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 3.0%）
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。
Rapid7是全球领先的网络安全企业，提供漏洞管理、威胁检测与响应、云安全、安全分析等全系列安全解决方案，服务全球科技、医疗、金融、制造等行业的各类规模企业及公共部门客户，助力客户高效识别、应对和缓解网络安全风险。
CASH vs RPD — 直观对比
营收规模更大
CASH
是对方的1.3倍
$217.4M
净利率更高
CASH
高出24.9%
1.4%
两年增速更快
CASH
近两年复合增速
3.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $217.4M |
| 净利润 | $72.9M | $3.1M |
| 毛利率 | — | 68.9% |
| 营业利润率 | — | 1.0% |
| 净利率 | 26.4% | 1.4% |
| 营收同比 | — | 0.5% |
| 净利润同比 | — | 44.1% |
| 每股收益（稀释后） | $3.35 | $0.05 |
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CASHRPD
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $217.4M | ||
| Q3 25 | $186.7M | $218.0M | ||
| Q2 25 | $195.8M | $214.2M | ||
| Q1 25 | $274.8M | $210.3M | ||
| Q4 24 | $182.6M | $216.3M | ||
| Q3 24 | $179.5M | $214.7M | ||
| Q2 24 | $188.6M | $208.0M |
净利润CASHRPD
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $3.1M | ||
| Q3 25 | $38.8M | $9.8M | ||
| Q2 25 | $42.1M | $8.3M | ||
| Q1 25 | $75.0M | $2.1M | ||
| Q4 24 | $30.0M | $2.2M | ||
| Q3 24 | $33.5M | $15.4M | ||
| Q2 24 | $44.9M | $6.5M |
毛利率CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | — | 68.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.6% | ||
| Q1 25 | — | 71.7% | ||
| Q4 24 | — | 69.5% | ||
| Q3 24 | — | 70.6% | ||
| Q2 24 | — | 70.7% |
营业利润率CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 1.0% | ||
| Q3 25 | 25.9% | 2.7% | ||
| Q2 25 | 24.1% | 1.6% | ||
| Q1 25 | 33.2% | -0.0% | ||
| Q4 24 | 19.8% | 3.4% | ||
| Q3 24 | 20.9% | 6.0% | ||
| Q2 24 | 27.1% | 2.5% |
净利率CASHRPD
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 1.4% | ||
| Q3 25 | 20.8% | 4.5% | ||
| Q2 25 | 21.5% | 3.9% | ||
| Q1 25 | 27.3% | 1.0% | ||
| Q4 24 | 16.4% | 1.0% | ||
| Q3 24 | 18.7% | 7.2% | ||
| Q2 24 | 23.8% | 3.1% |
每股收益（稀释后）CASHRPD
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.05 | ||
| Q3 25 | $1.69 | $0.15 | ||
| Q2 25 | $1.81 | $0.13 | ||
| Q1 25 | $3.14 | $0.03 | ||
| Q4 24 | $1.23 | $0.08 | ||
| Q3 24 | $1.34 | $0.21 | ||
| Q2 24 | $1.78 | $0.09 |
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 | $474.7M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $154.7M |
| 总资产 | $7.1B | $1.7B |
| 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CASHRPD
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $474.7M | ||
| Q3 25 | $120.6M | $407.1M | ||
| Q2 25 | $258.3M | $511.7M | ||
| Q1 25 | $254.2M | $493.5M | ||
| Q4 24 | $597.4M | $521.7M | ||
| Q3 24 | $158.3M | $443.7M | ||
| Q2 24 | $298.9M | $442.6M |
总债务CASHRPD
| 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CASHRPD
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $154.7M | ||
| Q3 25 | $858.0M | $127.2M | ||
| Q2 25 | $819.0M | $90.4M | ||
| Q1 25 | $814.7M | $52.7M | ||
| Q4 24 | $758.3M | $17.7M | ||
| Q3 24 | $822.5M | $-5.1M | ||
| Q2 24 | $748.4M | $-52.6M |
总资产CASHRPD
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.7B | ||
| Q3 25 | $7.2B | $1.7B | ||
| Q2 25 | $7.2B | $1.6B | ||
| Q1 25 | $7.0B | $1.6B | ||
| Q4 24 | $7.6B | $1.7B | ||
| Q3 24 | $7.5B | $1.6B | ||
| Q2 24 | $7.5B | $1.5B |
负债/权益比CASHRPD
| 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 | — | $37.6M |
| 自由现金流经营现金流 - 资本支出 | — | $36.4M |
| 自由现金流率自由现金流/营收 | — | 16.8% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | — | 12.01× |
| 过去12个月自由现金流最近4个季度 | — | $146.2M |
8季度趋势，按日历期对齐
经营现金流CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $37.6M | ||
| Q3 25 | $303.7M | $39.0M | ||
| Q2 25 | $30.4M | $47.5M | ||
| Q1 25 | $188.3M | $29.8M | ||
| Q4 24 | $-71.7M | $63.8M | ||
| Q3 24 | $143.1M | $44.0M | ||
| Q2 24 | $113.2M | $32.9M |
自由现金流CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $36.4M | ||
| Q3 25 | $300.3M | $34.8M | ||
| Q2 25 | $27.7M | $46.6M | ||
| Q1 25 | $184.7M | $28.4M | ||
| Q4 24 | $-73.8M | $62.6M | ||
| Q3 24 | $138.8M | $42.6M | ||
| Q2 24 | $111.0M | $32.6M |
自由现金流率CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 16.8% | ||
| Q3 25 | 160.9% | 16.0% | ||
| Q2 25 | 14.1% | 21.8% | ||
| Q1 25 | 67.2% | 13.5% | ||
| Q4 24 | -40.4% | 28.9% | ||
| Q3 24 | 77.3% | 19.9% | ||
| Q2 24 | 58.8% | 15.7% |
资本支出强度CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.5% | ||
| Q3 25 | 1.8% | 1.9% | ||
| Q2 25 | 1.4% | 0.4% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.6% | ||
| Q2 24 | 1.2% | 0.1% |
现金转化率CASHRPD
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 12.01× | ||
| Q3 25 | 7.83× | 3.97× | ||
| Q2 25 | 0.72× | 5.70× | ||
| Q1 25 | 2.51× | 14.14× | ||
| Q4 24 | -2.39× | 29.36× | ||
| Q3 24 | 4.27× | 2.85× | ||
| Q2 24 | 2.52× | 5.03× |
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% |
RPD
| Products | $209.1M | 96% |
| Services | $8.2M | 4% |
