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PATHWARD FINANCIAL, INC.（CASH）与全食超市（SMPL）财务数据对比。点击上方公司名可切换其他公司
全食超市的季度营收约是PATHWARD FINANCIAL, INC.的1.2倍（$340.2M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 7.4%，领先19.0%），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。
全食超市是总部位于美国得克萨斯州奥斯汀的跨国连锁超市，现为亚马逊全资旗下品牌。门店主打无氢化脂肪、人工色素、人工香精、防腐剂的天然食品，是美国农业部认证的有机食品零售商，以丰富的有机商品选择深受消费者欢迎。
CASH vs SMPL — 直观对比
营收规模更大
SMPL
是对方的1.2倍
$276.3M
净利率更高
CASH
高出19.0%
7.4%
两年增速更快
CASH
近两年复合增速
3.0%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $340.2M |
| 净利润 | $72.9M | $25.3M |
| 毛利率 | — | 32.3% |
| 营业利润率 | — | 11.0% |
| 净利率 | 26.4% | 7.4% |
| 营收同比 | — | -0.3% |
| 净利润同比 | — | -33.7% |
| 每股收益（稀释后） | $3.35 | $0.26 |
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CASHSMPL
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $340.2M | ||
| Q3 25 | $186.7M | — | ||
| Q2 25 | $195.8M | $381.0M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $341.3M | ||
| Q3 24 | $179.5M | $375.7M | ||
| Q2 24 | $188.6M | $334.8M |
净利润CASHSMPL
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $25.3M | ||
| Q3 25 | $38.8M | — | ||
| Q2 25 | $42.1M | $41.1M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $38.1M | ||
| Q3 24 | $33.5M | $29.3M | ||
| Q2 24 | $44.9M | $41.3M |
毛利率CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | — | 32.3% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 36.4% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 38.2% | ||
| Q3 24 | — | 38.8% | ||
| Q2 24 | — | 39.9% |
营业利润率CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 11.0% | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | 24.1% | 15.6% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | 16.0% | ||
| Q3 24 | 20.9% | 12.7% | ||
| Q2 24 | 27.1% | 17.6% |
净利率CASHSMPL
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 7.4% | ||
| Q3 25 | 20.8% | — | ||
| Q2 25 | 21.5% | 10.8% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | 11.2% | ||
| Q3 24 | 18.7% | 7.8% | ||
| Q2 24 | 23.8% | 12.3% |
每股收益（稀释后）CASHSMPL
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.26 | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | $0.40 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $0.38 | ||
| Q3 24 | $1.34 | $0.29 | ||
| Q2 24 | $1.78 | $0.41 |
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 | $194.1M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $1.7B |
| 总资产 | $7.1B | $2.5B |
| 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CASHSMPL
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $194.1M | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | $98.0M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $121.8M | ||
| Q3 24 | $158.3M | $132.5M | ||
| Q2 24 | $298.9M | $208.7M |
总债务CASHSMPL
| 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 | $397.5M | ||
| Q2 24 | $33.3M | $237.7M |
股东权益CASHSMPL
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.7B | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $819.0M | $1.8B | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $1.8B | ||
| Q3 24 | $822.5M | $1.7B | ||
| Q2 24 | $748.4M | $1.7B |
总资产CASHSMPL
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.5B | ||
| Q3 25 | $7.2B | — | ||
| Q2 25 | $7.2B | $2.4B | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $2.4B | ||
| Q3 24 | $7.5B | $2.4B | ||
| Q2 24 | $7.5B | $2.2B |
负债/权益比CASHSMPL
| 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× | 0.23× | ||
| Q2 24 | 0.04× | 0.14× |
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 | — | $50.1M |
| 自由现金流经营现金流 - 资本支出 | — | $48.0M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | — | 1.98× |
| 过去12个月自由现金流最近4个季度 | — | $223.6M |
8季度趋势，按日历期对齐
经营现金流CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $50.1M | ||
| Q3 25 | $303.7M | — | ||
| Q2 25 | $30.4M | $101.1M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $32.0M | ||
| Q3 24 | $143.1M | $48.9M | ||
| Q2 24 | $113.2M | $72.8M |
自由现金流CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $48.0M | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | $98.9M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $31.7M | ||
| Q3 24 | $138.8M | $45.0M | ||
| Q2 24 | $111.0M | $72.0M |
自由现金流率CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 14.1% | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | 25.9% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | 9.3% | ||
| Q3 24 | 77.3% | 12.0% | ||
| Q2 24 | 58.8% | 21.5% |
资本支出强度CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.6% | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | 0.6% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 0.1% | ||
| Q3 24 | 2.4% | 1.0% | ||
| Q2 24 | 1.2% | 0.2% |
现金转化率CASHSMPL
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.98× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 2.46× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 0.84× | ||
| Q3 24 | 4.27× | 1.67× | ||
| Q2 24 | 2.52× | 1.76× |
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% |
SMPL
| Quest | $211.4M | 62% |
| Atkins Domain | $79.7M | 23% |
| OWYN | $28.1M | 8% |
| Other | $20.9M | 6% |
