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PATHWARD FINANCIAL, INC.（CASH）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的2.0倍（$342.1M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs -1.9%，领先22.2%），Stitch Fix, Inc.同比增速更快（7.3% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $5.6M），过去两年Stitch Fix, Inc.的营收复合增速更高（1.8% 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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
CASH vs SFIX — 直观对比
营收规模更大
SFIX
是对方的2.0倍
$173.1M
营收增速更快
SFIX
高出7.5%
-0.2%
净利率更高
CASH
高出22.2%
-1.9%
自由现金流更多
CASH
多$98.5M
$5.6M
两年增速更快
SFIX
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $342.1M |
| 净利润 | $35.2M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 24.6% | -2.5% |
| 净利率 | 20.3% | -1.9% |
| 营收同比 | -0.2% | 7.3% |
| 净利润同比 | 11.9% | -1.7% |
| 每股收益（稀释后） | $1.57 | $-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CASHSFIX
| Q4 25 | $173.1M | $342.1M | ||
| Q3 25 | $186.7M | $311.2M | ||
| Q2 25 | $195.8M | $325.0M | ||
| Q1 25 | $274.8M | $312.1M | ||
| Q4 24 | $182.6M | $318.8M | ||
| Q3 24 | $179.5M | $319.6M | ||
| Q2 24 | $188.6M | $322.7M | ||
| Q1 24 | $257.6M | $330.4M |
净利润CASHSFIX
| Q4 25 | $35.2M | $-6.4M | ||
| Q3 25 | $38.8M | $-8.6M | ||
| Q2 25 | $42.1M | $-7.4M | ||
| Q1 25 | $75.0M | $-6.5M | ||
| Q4 24 | $30.0M | $-6.3M | ||
| Q3 24 | $33.5M | $-36.5M | ||
| Q2 24 | $44.9M | $-21.3M | ||
| Q1 24 | $69.9M | $-35.5M |
毛利率CASHSFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率CASHSFIX
| Q4 25 | 24.6% | -2.5% | ||
| Q3 25 | 25.9% | -3.6% | ||
| Q2 25 | 24.1% | -3.0% | ||
| Q1 25 | 33.2% | -2.9% | ||
| Q4 24 | 19.8% | -2.8% | ||
| Q3 24 | 20.9% | -13.1% | ||
| Q2 24 | 27.1% | -7.7% | ||
| Q1 24 | 33.8% | -11.5% |
净利率CASHSFIX
| Q4 25 | 20.3% | -1.9% | ||
| Q3 25 | 20.8% | -2.8% | ||
| Q2 25 | 21.5% | -2.3% | ||
| Q1 25 | 27.3% | -2.1% | ||
| Q4 24 | 16.4% | -2.0% | ||
| Q3 24 | 18.7% | -11.4% | ||
| Q2 24 | 23.8% | -6.6% | ||
| Q1 24 | 27.1% | -10.8% |
每股收益（稀释后）CASHSFIX
| Q4 25 | $1.57 | $-0.05 | ||
| Q3 25 | $1.69 | $-0.06 | ||
| Q2 25 | $1.81 | $-0.06 | ||
| Q1 25 | $3.14 | $-0.05 | ||
| Q4 24 | $1.23 | $-0.05 | ||
| Q3 24 | $1.34 | $-0.29 | ||
| Q2 24 | $1.78 | $-0.18 | ||
| Q1 24 | $2.74 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $204.1M |
| 总资产 | $7.6B | $530.7M |
| 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CASHSFIX
| Q4 25 | $331.2M | $244.2M | ||
| Q3 25 | $120.6M | $234.9M | ||
| Q2 25 | $258.3M | $234.2M | ||
| Q1 25 | $254.2M | $219.1M | ||
| Q4 24 | $597.4M | $253.3M | ||
| Q3 24 | $158.3M | $247.0M | ||
| Q2 24 | $298.9M | $244.5M | ||
| Q1 24 | $347.9M | $229.8M |
总债务CASHSFIX
| 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CASHSFIX
| Q4 25 | $854.5M | $204.1M | ||
| Q3 25 | $858.0M | $203.0M | ||
| Q2 25 | $819.0M | $200.4M | ||
| Q1 25 | $814.7M | $197.8M | ||
| Q4 24 | $758.3M | $190.5M | ||
| Q3 24 | $822.5M | $187.0M | ||
| Q2 24 | $748.4M | $208.9M | ||
| Q1 24 | $719.5M | $213.3M |
总资产CASHSFIX
| Q4 25 | $7.6B | $530.7M | ||
| Q3 25 | $7.2B | $480.6M | ||
| Q2 25 | $7.2B | $484.7M | ||
| Q1 25 | $7.0B | $472.6M | ||
| Q4 24 | $7.6B | $507.1M | ||
| Q3 24 | $7.5B | $486.9M | ||
| Q2 24 | $7.5B | $537.0M | ||
| Q1 24 | $7.4B | $538.3M |
负债/权益比CASHSFIX
| 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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $5.6M |
| 自由现金流率自由现金流/营收 | 60.1% | 1.6% |
| 资本支出强度资本支出/营收 | 2.4% | 1.6% |
| 现金转化率经营现金流/净利润 | 3.08× | — |
| 过去12个月自由现金流最近4个季度 | $616.8M | $4.9M |
8季度趋势，按日历期对齐
经营现金流CASHSFIX
| Q4 25 | $108.3M | $10.9M | ||
| Q3 25 | $303.7M | $7.0M | ||
| Q2 25 | $30.4M | $20.5M | ||
| Q1 25 | $188.3M | $-16.2M | ||
| Q4 24 | $-71.7M | $14.3M | ||
| Q3 24 | $143.1M | $8.2M | ||
| Q2 24 | $113.2M | $21.7M | ||
| Q1 24 | $203.0M | $-22.3M |
自由现金流CASHSFIX
| Q4 25 | $104.1M | $5.6M | ||
| Q3 25 | $300.3M | $2.8M | ||
| Q2 25 | $27.7M | $16.0M | ||
| Q1 25 | $184.7M | $-19.4M | ||
| Q4 24 | $-73.8M | $9.9M | ||
| Q3 24 | $138.8M | $4.5M | ||
| Q2 24 | $111.0M | $18.9M | ||
| Q1 24 | $201.3M | $-26.1M |
自由现金流率CASHSFIX
| Q4 25 | 60.1% | 1.6% | ||
| Q3 25 | 160.9% | 0.9% | ||
| Q2 25 | 14.1% | 4.9% | ||
| Q1 25 | 67.2% | -6.2% | ||
| Q4 24 | -40.4% | 3.1% | ||
| Q3 24 | 77.3% | 1.4% | ||
| Q2 24 | 58.8% | 5.9% | ||
| Q1 24 | 78.1% | -7.9% |
资本支出强度CASHSFIX
| Q4 25 | 2.4% | 1.6% | ||
| Q3 25 | 1.8% | 1.4% | ||
| Q2 25 | 1.4% | 1.4% | ||
| Q1 25 | 1.3% | 1.0% | ||
| Q4 24 | 1.1% | 1.4% | ||
| Q3 24 | 2.4% | 1.2% | ||
| Q2 24 | 1.2% | 0.9% | ||
| Q1 24 | 0.7% | 1.1% |
现金转化率CASHSFIX
| 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× | — | ||
| 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% |
SFIX
暂无分部数据
