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PATHWARD FINANCIAL, INC.（CASH）与STANDARD MOTOR PRODUCTS, INC.（SMP）财务数据对比。点击上方公司名可切换其他公司
STANDARD MOTOR PRODUCTS, INC.的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$385.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 2.0%，领先24.3%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 7.8%）
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。
标准汽车产品公司（SMP）是一家汽车零部件制造商与经销商，由埃利亚斯·法伊夫和拉尔夫·范艾伦于1919年合伙创立，1926年完成法人注册，总部位于纽约长岛市，在纽约证券交易所上市。公司目前设有车辆控制、温控、工程解决方案和尼森斯四大运营板块，为汽车售后市场供应相关零部件产品。
CASH vs SMP — 直观对比
营收规模更大
SMP
是对方的1.4倍
$276.3M
净利率更高
CASH
高出24.3%
2.0%
两年增速更快
CASH
近两年复合增速
7.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $385.1M |
| 净利润 | $72.9M | $7.9M |
| 毛利率 | — | 31.7% |
| 营业利润率 | — | 5.6% |
| 净利率 | 26.4% | 2.0% |
| 营收同比 | — | 12.2% |
| 净利润同比 | — | 457.9% |
| 每股收益（稀释后） | $3.35 | $0.34 |
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CASHSMP
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $385.1M | ||
| Q3 25 | $186.7M | $498.8M | ||
| Q2 25 | $195.8M | $493.9M | ||
| Q1 25 | $274.8M | $413.4M | ||
| Q4 24 | $182.6M | $343.4M | ||
| Q3 24 | $179.5M | $399.3M | ||
| Q2 24 | $188.6M | $389.8M |
净利润CASHSMP
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $7.9M | ||
| Q3 25 | $38.8M | $-4.3M | ||
| Q2 25 | $42.1M | $25.2M | ||
| Q1 25 | $75.0M | $12.6M | ||
| Q4 24 | $30.0M | $-2.2M | ||
| Q3 24 | $33.5M | $3.8M | ||
| Q2 24 | $44.9M | $17.1M |
毛利率CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | — | 31.7% | ||
| Q3 25 | — | 32.4% | ||
| Q2 25 | — | 30.6% | ||
| Q1 25 | — | 30.2% | ||
| Q4 24 | — | 29.4% | ||
| Q3 24 | — | 30.4% | ||
| Q2 24 | — | 28.6% |
营业利润率CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 5.6% | ||
| Q3 25 | 25.9% | 9.5% | ||
| Q2 25 | 24.1% | 8.7% | ||
| Q1 25 | 33.2% | 5.9% | ||
| Q4 24 | 19.8% | 1.1% | ||
| Q3 24 | 20.9% | 9.3% | ||
| Q2 24 | 27.1% | 6.4% |
净利率CASHSMP
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 2.0% | ||
| Q3 25 | 20.8% | -0.9% | ||
| Q2 25 | 21.5% | 5.1% | ||
| Q1 25 | 27.3% | 3.0% | ||
| Q4 24 | 16.4% | -0.6% | ||
| Q3 24 | 18.7% | 1.0% | ||
| Q2 24 | 23.8% | 4.4% |
每股收益（稀释后）CASHSMP
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.34 | ||
| Q3 25 | $1.69 | $-0.19 | ||
| Q2 25 | $1.81 | $1.13 | ||
| Q1 25 | $3.14 | $0.56 | ||
| Q4 24 | $1.23 | $-0.09 | ||
| Q3 24 | $1.34 | $0.17 | ||
| 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 | — |
| 总债务越低越好 | $59.5M | $618.7M |
| 股东权益账面价值 | $850.7M | $683.7M |
| 总资产 | $7.1B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.90× |
8季度趋势，按日历期对齐
现金及短期投资CASHSMP
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | $87.2M | ||
| Q2 25 | $258.3M | $58.8M | ||
| Q1 25 | $254.2M | $50.3M | ||
| Q4 24 | $597.4M | $44.4M | ||
| Q3 24 | $158.3M | $26.3M | ||
| Q2 24 | $298.9M | $26.2M |
总债务CASHSMP
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $618.7M | ||
| Q3 25 | $33.5M | $589.5M | ||
| Q2 25 | $33.4M | $636.6M | ||
| Q1 25 | $33.4M | $650.6M | ||
| Q4 24 | $33.4M | $562.3M | ||
| Q3 24 | $33.4M | $142.8M | ||
| Q2 24 | $33.3M | $208.2M |
股东权益CASHSMP
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $683.7M | ||
| Q3 25 | $858.0M | $677.4M | ||
| Q2 25 | $819.0M | $688.6M | ||
| Q1 25 | $814.7M | $638.0M | ||
| Q4 24 | $758.3M | $615.7M | ||
| Q3 24 | $822.5M | $638.8M | ||
| Q2 24 | $748.4M | $640.0M |
总资产CASHSMP
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.0B | ||
| Q3 25 | $7.2B | $2.0B | ||
| Q2 25 | $7.2B | $2.0B | ||
| Q1 25 | $7.0B | $1.9B | ||
| Q4 24 | $7.6B | $1.8B | ||
| Q3 24 | $7.5B | $1.4B | ||
| Q2 24 | $7.5B | $1.4B |
负债/权益比CASHSMP
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.90× | ||
| Q3 25 | 0.04× | 0.87× | ||
| Q2 25 | 0.04× | 0.92× | ||
| Q1 25 | 0.04× | 1.02× | ||
| Q4 24 | 0.04× | 0.91× | ||
| Q3 24 | 0.04× | 0.22× | ||
| Q2 24 | 0.04× | 0.33× |
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 | — | $-28.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-37.6M |
| 自由现金流率自由现金流/营收 | — | -9.8% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | — | -3.59× |
| 过去12个月自由现金流最近4个季度 | — | $18.7M |
8季度趋势，按日历期对齐
经营现金流CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-28.2M | ||
| Q3 25 | $303.7M | $91.6M | ||
| Q2 25 | $30.4M | $54.3M | ||
| Q1 25 | $188.3M | $-60.2M | ||
| Q4 24 | $-71.7M | $-1.5M | ||
| Q3 24 | $143.1M | $88.3M | ||
| Q2 24 | $113.2M | $35.6M |
自由现金流CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-37.6M | ||
| Q3 25 | $300.3M | $81.5M | ||
| Q2 25 | $27.7M | $44.2M | ||
| Q1 25 | $184.7M | $-69.4M | ||
| Q4 24 | $-73.8M | $-11.4M | ||
| Q3 24 | $138.8M | $77.1M | ||
| Q2 24 | $111.0M | $22.7M |
自由现金流率CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -9.8% | ||
| Q3 25 | 160.9% | 16.3% | ||
| Q2 25 | 14.1% | 8.9% | ||
| Q1 25 | 67.2% | -16.8% | ||
| Q4 24 | -40.4% | -3.3% | ||
| Q3 24 | 77.3% | 19.3% | ||
| Q2 24 | 58.8% | 5.8% |
资本支出强度CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.4% | ||
| Q3 25 | 1.8% | 2.0% | ||
| Q2 25 | 1.4% | 2.1% | ||
| Q1 25 | 1.3% | 2.2% | ||
| Q4 24 | 1.1% | 2.9% | ||
| Q3 24 | 2.4% | 2.8% | ||
| Q2 24 | 1.2% | 3.3% |
现金转化率CASHSMP
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -3.59× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 2.15× | ||
| Q1 25 | 2.51× | -4.79× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 23.19× | ||
| Q2 24 | 2.52× | 2.09× |
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% |
SMP
| Engineered Solutions | $66.1M | 17% |
| Electrical And Safety | $63.6M | 17% |
| Temperature Control | $61.5M | 16% |
| Europe Excluding Poland | $55.5M | 14% |
| Other Thermal Components | $30.7M | 8% |
| Air Conditioning | $22.7M | 6% |
| Commercial Vehicle | $19.7M | 5% |
| All Other | $18.9M | 5% |
| PL | $16.0M | 4% |
| Wire Sets And Other | $11.9M | 3% |
| Engine Efficiency | $10.0M | 3% |
| Construction Agriculture | $7.8M | 2% |
