vs
PATHWARD FINANCIAL, INC.（CASH）与印度钢铁管理局（SAIL）财务数据对比。点击上方公司名可切换其他公司
印度钢铁管理局的季度营收约是PATHWARD FINANCIAL, INC.的1.0倍（$281.9M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -12.8%，领先39.1%）
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。
印度钢铁管理局（SAIL）是总部位于新德里的印度公营钢铁制造企业，属印度最高级别的“马哈拉特纳”中央公共部门企业，是印度最大的国有钢铁生产商，年钢铁产量达1829万吨，1973年1月24日成立，现有员工5.1万余名，由印度钢铁部行政管理。
CASH vs SAIL — 直观对比
营收规模更大
SAIL
是对方的1.0倍
$276.3M
净利率更高
CASH
高出39.1%
-12.8%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $281.9M |
| 净利润 | $72.9M | $-36.0M |
| 毛利率 | — | 66.3% |
| 营业利润率 | — | -14.8% |
| 净利率 | 26.4% | -12.8% |
| 营收同比 | — | 6.7% |
| 净利润同比 | — | -240.9% |
| 每股收益（稀释后） | $3.35 | $-0.06 |
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CASHSAIL
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $281.9M | ||
| Q3 25 | $186.7M | $264.4M | ||
| Q2 25 | $195.8M | $230.5M | ||
| Q1 25 | $274.8M | $240.1M | ||
| Q4 24 | $182.6M | — | ||
| Q3 24 | $179.5M | $198.6M | ||
| Q2 24 | $188.6M | $187.7M |
净利润CASHSAIL
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-36.0M | ||
| Q3 25 | $38.8M | $-10.6M | ||
| Q2 25 | $42.1M | $-187.3M | ||
| Q1 25 | $75.0M | $-80.1M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $-87.1M | ||
| Q2 24 | $44.9M | $-89.2M |
毛利率CASHSAIL
| Q1 26 | — | — | ||
| Q4 25 | — | 66.3% | ||
| Q3 25 | — | 67.3% | ||
| Q2 25 | — | 55.4% | ||
| Q1 25 | — | 66.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 62.1% | ||
| Q2 24 | — | 61.5% |
营业利润率CASHSAIL
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -14.8% | ||
| Q3 25 | 25.9% | -15.4% | ||
| Q2 25 | 24.1% | -80.3% | ||
| Q1 25 | 33.2% | -12.6% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | -33.2% | ||
| Q2 24 | 27.1% | -36.3% |
净利率CASHSAIL
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -12.8% | ||
| Q3 25 | 20.8% | -4.0% | ||
| Q2 25 | 21.5% | -81.3% | ||
| Q1 25 | 27.3% | -33.4% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | -43.9% | ||
| Q2 24 | 23.8% | -47.5% |
每股收益（稀释后）CASHSAIL
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.06 | ||
| Q3 25 | $1.69 | $-0.02 | ||
| Q2 25 | $1.81 | $-0.42 | ||
| Q1 25 | $3.14 | $-6.50 | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | $-2.97 | ||
| Q2 24 | $1.78 | $-0.77 |
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 | $298.1M |
| 总债务越低越好 | $59.5M | $0 |
| 股东权益账面价值 | $850.7M | $6.8B |
| 总资产 | $7.1B | $7.5B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CASHSAIL
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $298.1M | ||
| Q3 25 | $120.6M | $271.1M | ||
| Q2 25 | $258.3M | $228.1M | ||
| Q1 25 | $254.2M | $121.3M | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | $89.7M | ||
| Q2 24 | $298.9M | $146.8M |
总债务CASHSAIL
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $0 | ||
| Q3 25 | $33.5M | $0 | ||
| Q2 25 | $33.4M | $0 | ||
| Q1 25 | $33.4M | $1.0B | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHSAIL
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $6.8B | ||
| Q3 25 | $858.0M | $6.8B | ||
| Q2 25 | $819.0M | $6.8B | ||
| Q1 25 | $814.7M | $-5.6B | ||
| Q4 24 | $758.3M | — | ||
| Q3 24 | $822.5M | $-701.3M | ||
| Q2 24 | $748.4M | $-622.5M |
总资产CASHSAIL
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $7.5B | ||
| Q3 25 | $7.2B | $7.4B | ||
| Q2 25 | $7.2B | $7.4B | ||
| Q1 25 | $7.0B | $7.4B | ||
| Q4 24 | $7.6B | — | ||
| Q3 24 | $7.5B | — | ||
| Q2 24 | $7.5B | — |
负债/权益比CASHSAIL
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.00× | ||
| Q3 25 | 0.04× | 0.00× | ||
| Q2 25 | 0.04× | 0.00× | ||
| 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 | — | $53.6M |
| 自由现金流经营现金流 - 资本支出 | — | $52.5M |
| 自由现金流率自由现金流/营收 | — | 18.6% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHSAIL
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $53.6M | ||
| Q3 25 | $303.7M | $49.9M | ||
| Q2 25 | $30.4M | $-96.8M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | $-55.4M |
自由现金流CASHSAIL
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $52.5M | ||
| Q3 25 | $300.3M | $49.0M | ||
| Q2 25 | $27.7M | $-99.0M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | $-56.0M |
自由现金流率CASHSAIL
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 18.6% | ||
| Q3 25 | 160.9% | 18.5% | ||
| Q2 25 | 14.1% | -43.0% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | -29.8% |
资本支出强度CASHSAIL
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.4% | ||
| Q3 25 | 1.8% | 0.4% | ||
| Q2 25 | 1.4% | 1.0% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | 0.3% |
现金转化率CASHSAIL
| 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% |
SAIL
| Software As A Service Saa S | $156.0M | 55% |
| Term Subscriptions Services | $65.1M | 23% |
| Maintenance | $38.0M | 13% |
| Other | $15.7M | 6% |
| Other Subscription Services | $7.1M | 3% |
