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PATHWARD FINANCIAL, INC.（CASH）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是null的2.8倍（$276.3M vs $100.0M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -7.0%，领先33.4%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -4.9%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
CASH vs SWIM — 直观对比
营收规模更大
CASH
是对方的2.8倍
$100.0M
净利率更高
CASH
高出33.4%
-7.0%
两年增速更快
CASH
近两年复合增速
-4.9%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $100.0M |
| 净利润 | $72.9M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 26.4% | -7.0% |
| 营收同比 | — | 14.5% |
| 净利润同比 | — | 76.0% |
| 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CASHSWIM
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $100.0M | ||
| Q3 25 | $186.7M | $161.9M | ||
| Q2 25 | $195.8M | $172.6M | ||
| Q1 25 | $274.8M | $111.4M | ||
| Q4 24 | $182.6M | $87.3M | ||
| Q3 24 | $179.5M | $150.5M | ||
| Q2 24 | $188.6M | $160.1M |
净利润CASHSWIM
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-7.0M | ||
| Q3 25 | $38.8M | $8.1M | ||
| Q2 25 | $42.1M | $16.0M | ||
| Q1 25 | $75.0M | $-6.0M | ||
| Q4 24 | $30.0M | $-29.2M | ||
| Q3 24 | $33.5M | $5.9M | ||
| Q2 24 | $44.9M | $13.3M |
毛利率CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -10.7% | ||
| Q3 25 | 25.9% | 13.3% | ||
| Q2 25 | 24.1% | 14.3% | ||
| Q1 25 | 33.2% | -4.4% | ||
| Q4 24 | 19.8% | -14.9% | ||
| Q3 24 | 20.9% | 8.9% | ||
| Q2 24 | 27.1% | 12.5% |
净利率CASHSWIM
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -7.0% | ||
| Q3 25 | 20.8% | 5.0% | ||
| Q2 25 | 21.5% | 9.3% | ||
| Q1 25 | 27.3% | -5.4% | ||
| Q4 24 | 16.4% | -33.4% | ||
| Q3 24 | 18.7% | 3.9% | ||
| Q2 24 | 23.8% | 8.3% |
每股收益（稀释后）CASHSWIM
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.06 | ||
| Q3 25 | $1.69 | $0.07 | ||
| Q2 25 | $1.81 | $0.13 | ||
| Q1 25 | $3.14 | $-0.05 | ||
| Q4 24 | $1.23 | $-0.24 | ||
| Q3 24 | $1.34 | $0.05 | ||
| Q2 24 | $1.78 | $0.11 |
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 | $279.8M |
| 股东权益账面价值 | $850.7M | $405.9M |
| 总资产 | $7.1B | $823.2M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资CASHSWIM
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHSWIM
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $279.8M | ||
| Q3 25 | $33.5M | $281.1M | ||
| Q2 25 | $33.4M | $281.5M | ||
| Q1 25 | $33.4M | $306.9M | ||
| Q4 24 | $33.4M | $281.5M | ||
| Q3 24 | $33.4M | $282.8M | ||
| Q2 24 | $33.3M | $282.4M |
股东权益CASHSWIM
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $405.9M | ||
| Q3 25 | $858.0M | $408.4M | ||
| Q2 25 | $819.0M | $398.4M | ||
| Q1 25 | $814.7M | $381.1M | ||
| Q4 24 | $758.3M | $387.2M | ||
| Q3 24 | $822.5M | $416.6M | ||
| Q2 24 | $748.4M | $408.1M |
总资产CASHSWIM
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $823.2M | ||
| Q3 25 | $7.2B | $844.4M | ||
| Q2 25 | $7.2B | $822.1M | ||
| Q1 25 | $7.0B | $824.6M | ||
| Q4 24 | $7.6B | $794.2M | ||
| Q3 24 | $7.5B | $853.4M | ||
| Q2 24 | $7.5B | $830.0M |
负债/权益比CASHSWIM
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.69× | ||
| Q3 25 | 0.04× | 0.69× | ||
| Q2 25 | 0.04× | 0.71× | ||
| Q1 25 | 0.04× | 0.81× | ||
| Q4 24 | 0.04× | 0.73× | ||
| Q3 24 | 0.04× | 0.68× | ||
| Q2 24 | 0.04× | 0.69× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 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 | — | 9.2% |
| 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 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $23.3M | ||
| Q3 25 | $303.7M | $51.0M | ||
| Q2 25 | $30.4M | $36.0M | ||
| Q1 25 | $188.3M | $-46.9M | ||
| Q4 24 | $-71.7M | $6.2M | ||
| Q3 24 | $143.1M | $37.2M | ||
| Q2 24 | $113.2M | $52.4M |
自由现金流CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $14.1M | ||
| Q3 25 | $300.3M | $45.2M | ||
| Q2 25 | $27.7M | $29.1M | ||
| Q1 25 | $184.7M | $-50.3M | ||
| Q4 24 | $-73.8M | $-98.0K | ||
| Q3 24 | $138.8M | $33.2M | ||
| Q2 24 | $111.0M | $47.9M |
自由现金流率CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 14.1% | ||
| Q3 25 | 160.9% | 27.9% | ||
| Q2 25 | 14.1% | 16.8% | ||
| Q1 25 | 67.2% | -45.2% | ||
| Q4 24 | -40.4% | -0.1% | ||
| Q3 24 | 77.3% | 22.1% | ||
| Q2 24 | 58.8% | 29.9% |
资本支出强度CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 9.2% | ||
| Q3 25 | 1.8% | 3.6% | ||
| Q2 25 | 1.4% | 4.0% | ||
| Q1 25 | 1.3% | 3.1% | ||
| Q4 24 | 1.1% | 7.2% | ||
| Q3 24 | 2.4% | 2.7% | ||
| Q2 24 | 1.2% | 2.8% |
现金转化率CASHSWIM
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | 6.29× | ||
| Q2 25 | 0.72× | 2.25× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 6.32× | ||
| Q2 24 | 2.52× | 3.95× |
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% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
