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PATHWARD FINANCIAL, INC.（CASH）与Revolve Group, Inc.（RVLV）财务数据对比。点击上方公司名可切换其他公司
Revolve Group, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的1.9倍（$324.4M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 5.7%，领先14.6%），Revolve Group, Inc.同比增速更快（10.4% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $-13.3M），过去两年Revolve Group, Inc.的营收复合增速更高（9.5% 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。
Revolve Theatre Company是总部位于英国泰晤士河畔亨利的剧团，专注于创作演出政治题材和莎士比亚系列戏剧作品，由奥利弗·登奇、乔·莫里斯与汤姆·史密斯共同创立运营。
CASH vs RVLV — 直观对比
营收规模更大
RVLV
是对方的1.9倍
$173.1M
营收增速更快
RVLV
高出10.7%
-0.2%
净利率更高
CASH
高出14.6%
5.7%
自由现金流更多
CASH
多$117.4M
$-13.3M
两年增速更快
RVLV
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $324.4M |
| 净利润 | $35.2M | $18.6M |
| 毛利率 | — | 53.3% |
| 营业利润率 | 24.6% | 6.3% |
| 净利率 | 20.3% | 5.7% |
| 营收同比 | -0.2% | 10.4% |
| 净利润同比 | 11.9% | 50.4% |
| 每股收益（稀释后） | $1.57 | $0.27 |
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CASHRVLV
| Q4 25 | $173.1M | $324.4M | ||
| Q3 25 | $186.7M | $295.6M | ||
| Q2 25 | $195.8M | $309.0M | ||
| Q1 25 | $274.8M | $296.7M | ||
| Q4 24 | $182.6M | $293.7M | ||
| Q3 24 | $179.5M | $283.1M | ||
| Q2 24 | $188.6M | $282.5M | ||
| Q1 24 | $257.6M | $270.6M |
净利润CASHRVLV
| Q4 25 | $35.2M | $18.6M | ||
| Q3 25 | $38.8M | $21.2M | ||
| Q2 25 | $42.1M | $10.2M | ||
| Q1 25 | $75.0M | $11.8M | ||
| Q4 24 | $30.0M | $12.3M | ||
| Q3 24 | $33.5M | $11.0M | ||
| Q2 24 | $44.9M | $15.4M | ||
| Q1 24 | $69.9M | $10.9M |
毛利率CASHRVLV
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 54.6% | ||
| Q2 25 | — | 54.1% | ||
| Q1 25 | — | 52.0% | ||
| Q4 24 | — | 52.5% | ||
| Q3 24 | — | 51.2% | ||
| Q2 24 | — | 54.0% | ||
| Q1 24 | — | 52.3% |
营业利润率CASHRVLV
| Q4 25 | 24.6% | 6.3% | ||
| Q3 25 | 25.9% | 7.1% | ||
| Q2 25 | 24.1% | 5.8% | ||
| Q1 25 | 33.2% | 5.0% | ||
| Q4 24 | 19.8% | 3.9% | ||
| Q3 24 | 20.9% | 5.0% | ||
| Q2 24 | 27.1% | 5.8% | ||
| Q1 24 | 33.8% | 3.4% |
净利率CASHRVLV
| Q4 25 | 20.3% | 5.7% | ||
| Q3 25 | 20.8% | 7.2% | ||
| Q2 25 | 21.5% | 3.3% | ||
| Q1 25 | 27.3% | 4.0% | ||
| Q4 24 | 16.4% | 4.2% | ||
| Q3 24 | 18.7% | 3.9% | ||
| Q2 24 | 23.8% | 5.4% | ||
| Q1 24 | 27.1% | 4.0% |
每股收益（稀释后）CASHRVLV
| Q4 25 | $1.57 | $0.27 | ||
| Q3 25 | $1.69 | $0.29 | ||
| Q2 25 | $1.81 | $0.14 | ||
| Q1 25 | $3.14 | $0.16 | ||
| Q4 24 | $1.23 | $0.18 | ||
| Q3 24 | $1.34 | $0.15 | ||
| Q2 24 | $1.78 | $0.21 | ||
| Q1 24 | $2.74 | $0.15 |
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 | $292.3M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $512.5M |
| 总资产 | $7.6B | $765.0M |
| 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CASHRVLV
| Q4 25 | $331.2M | $292.3M | ||
| Q3 25 | $120.6M | $315.4M | ||
| Q2 25 | $258.3M | $310.7M | ||
| Q1 25 | $254.2M | $300.8M | ||
| Q4 24 | $597.4M | $256.6M | ||
| Q3 24 | $158.3M | $252.8M | ||
| Q2 24 | $298.9M | $244.7M | ||
| Q1 24 | $347.9M | $273.4M |
总债务CASHRVLV
| 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 | — |
股东权益CASHRVLV
| Q4 25 | $854.5M | $512.5M | ||
| Q3 25 | $858.0M | $490.2M | ||
| Q2 25 | $819.0M | $468.6M | ||
| Q1 25 | $814.7M | $453.4M | ||
| Q4 24 | $758.3M | $437.8M | ||
| Q3 24 | $822.5M | $420.8M | ||
| Q2 24 | $748.4M | $405.8M | ||
| Q1 24 | $719.5M | $389.9M |
总资产CASHRVLV
| Q4 25 | $7.6B | $765.0M | ||
| Q3 25 | $7.2B | $751.3M | ||
| Q2 25 | $7.2B | $722.9M | ||
| Q1 25 | $7.0B | $713.9M | ||
| Q4 24 | $7.6B | $665.5M | ||
| Q3 24 | $7.5B | $670.9M | ||
| Q2 24 | $7.5B | $657.8M | ||
| Q1 24 | $7.4B | $650.0M |
负债/权益比CASHRVLV
| 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 | $-10.2M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $-13.3M |
| 自由现金流率自由现金流/营收 | 60.1% | -4.1% |
| 资本支出强度资本支出/营收 | 2.4% | 1.0% |
| 现金转化率经营现金流/净利润 | 3.08× | -0.55× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $48.0M |
8季度趋势，按日历期对齐
经营现金流CASHRVLV
| Q4 25 | $108.3M | $-10.2M | ||
| Q3 25 | $303.7M | $11.8M | ||
| Q2 25 | $30.4M | $12.6M | ||
| Q1 25 | $188.3M | $45.1M | ||
| Q4 24 | $-71.7M | $3.9M | ||
| Q3 24 | $143.1M | $9.1M | ||
| Q2 24 | $113.2M | $-24.7M | ||
| Q1 24 | $203.0M | $38.4M |
自由现金流CASHRVLV
| Q4 25 | $104.1M | $-13.3M | ||
| Q3 25 | $300.3M | $7.5M | ||
| Q2 25 | $27.7M | $10.4M | ||
| Q1 25 | $184.7M | $43.4M | ||
| Q4 24 | $-73.8M | $2.1M | ||
| Q3 24 | $138.8M | $8.0M | ||
| Q2 24 | $111.0M | $-25.7M | ||
| Q1 24 | $201.3M | $36.7M |
自由现金流率CASHRVLV
| Q4 25 | 60.1% | -4.1% | ||
| Q3 25 | 160.9% | 2.5% | ||
| Q2 25 | 14.1% | 3.4% | ||
| Q1 25 | 67.2% | 14.6% | ||
| Q4 24 | -40.4% | 0.7% | ||
| Q3 24 | 77.3% | 2.8% | ||
| Q2 24 | 58.8% | -9.1% | ||
| Q1 24 | 78.1% | 13.5% |
资本支出强度CASHRVLV
| Q4 25 | 2.4% | 1.0% | ||
| Q3 25 | 1.8% | 1.5% | ||
| Q2 25 | 1.4% | 0.7% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 1.1% | 0.6% | ||
| Q3 24 | 2.4% | 0.4% | ||
| Q2 24 | 1.2% | 0.4% | ||
| Q1 24 | 0.7% | 0.6% |
现金转化率CASHRVLV
| Q4 25 | 3.08× | -0.55× | ||
| Q3 25 | 7.83× | 0.56× | ||
| Q2 25 | 0.72× | 1.24× | ||
| Q1 25 | 2.51× | 3.82× | ||
| Q4 24 | -2.39× | 0.32× | ||
| Q3 24 | 4.27× | 0.83× | ||
| Q2 24 | 2.52× | -1.60× | ||
| Q1 24 | 2.90× | 3.53× |
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% |
RVLV
| Fashion Apparel | $155.1M | 48% |
| Dresses | $76.4M | 24% |
| Handbags Shoes And Accessories | $67.6M | 21% |
| Beauty | $20.3M | 6% |
| Manufactured Product Other | $5.0M | 2% |
| Breakage On Store Credit And Gift Cards | $900.0K | 0% |
