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PATHWARD FINANCIAL, INC.（CASH）与Tecnoglass Inc.（TGLS）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Tecnoglass Inc.的1.1倍（$276.3M vs $245.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 10.6%，领先15.7%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 12.8%）
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。
Tecnoglass Inc.是一家领先的建筑玻璃、铝制门窗及相关建材生产商，主要服务北美及拉美地区的住宅和商业建筑领域，为新建及翻新项目提供定制化、高能效的建筑解决方案。
CASH vs TGLS — 直观对比
营收规模更大
CASH
是对方的1.1倍
$245.3M
净利率更高
CASH
高出15.7%
10.6%
两年增速更快
CASH
近两年复合增速
12.8%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $245.3M |
| 净利润 | $72.9M | $26.1M |
| 毛利率 | — | 40.0% |
| 营业利润率 | — | 18.3% |
| 净利率 | 26.4% | 10.6% |
| 营收同比 | — | 2.4% |
| 净利润同比 | — | -44.5% |
| 每股收益（稀释后） | $3.35 | $0.57 |
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CASHTGLS
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $245.3M | ||
| Q3 25 | $186.7M | $260.5M | ||
| Q2 25 | $195.8M | $255.5M | ||
| Q1 25 | $274.8M | $222.3M | ||
| Q4 24 | $182.6M | $239.6M | ||
| Q3 24 | $179.5M | $238.3M | ||
| Q2 24 | $188.6M | $219.7M |
净利润CASHTGLS
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $26.1M | ||
| Q3 25 | $38.8M | $47.2M | ||
| Q2 25 | $42.1M | $44.1M | ||
| Q1 25 | $75.0M | $42.2M | ||
| Q4 24 | $30.0M | $47.0M | ||
| Q3 24 | $33.5M | $49.5M | ||
| Q2 24 | $44.9M | $35.0M |
毛利率CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | — | 40.0% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 43.9% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 40.8% |
营业利润率CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 18.3% | ||
| Q3 25 | 25.9% | 25.1% | ||
| Q2 25 | 24.1% | 24.0% | ||
| Q1 25 | 33.2% | 26.7% | ||
| Q4 24 | 19.8% | 28.0% | ||
| Q3 24 | 20.9% | 28.4% | ||
| Q2 24 | 27.1% | 23.3% |
净利率CASHTGLS
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 10.6% | ||
| Q3 25 | 20.8% | 18.1% | ||
| Q2 25 | 21.5% | 17.3% | ||
| Q1 25 | 27.3% | 19.0% | ||
| Q4 24 | 16.4% | 19.6% | ||
| Q3 24 | 18.7% | 20.8% | ||
| Q2 24 | 23.8% | 15.9% |
每股收益（稀释后）CASHTGLS
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.57 | ||
| Q3 25 | $1.69 | $1.01 | ||
| Q2 25 | $1.81 | $0.94 | ||
| Q1 25 | $3.14 | $0.90 | ||
| Q4 24 | $1.23 | $1.00 | ||
| Q3 24 | $1.34 | $1.05 | ||
| Q2 24 | $1.78 | $0.75 |
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 | $104.1M |
| 总债务越低越好 | $59.5M | $174.4M |
| 股东权益账面价值 | $850.7M | $713.1M |
| 总资产 | $7.1B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资CASHTGLS
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $104.1M | ||
| Q3 25 | $120.6M | $127.1M | ||
| Q2 25 | $258.3M | $140.9M | ||
| Q1 25 | $254.2M | $160.2M | ||
| Q4 24 | $597.4M | $137.5M | ||
| Q3 24 | $158.3M | $124.8M | ||
| Q2 24 | $298.9M | $129.5M |
总债务CASHTGLS
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $174.4M | ||
| Q3 25 | $33.5M | $114.7M | ||
| Q2 25 | $33.4M | $110.6M | ||
| Q1 25 | $33.4M | $110.6M | ||
| Q4 24 | $33.4M | $111.1M | ||
| Q3 24 | $33.4M | $126.8M | ||
| Q2 24 | $33.3M | $144.7M |
股东权益CASHTGLS
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $713.1M | ||
| Q3 25 | $858.0M | $764.0M | ||
| Q2 25 | $819.0M | $736.0M | ||
| Q1 25 | $814.7M | $685.1M | ||
| Q4 24 | $758.3M | $631.2M | ||
| Q3 24 | $822.5M | $613.3M | ||
| Q2 24 | $748.4M | $574.8M |
总资产CASHTGLS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.2B | $1.2B | ||
| Q2 25 | $7.2B | $1.2B | ||
| Q1 25 | $7.0B | $1.1B | ||
| Q4 24 | $7.6B | $1.0B | ||
| Q3 24 | $7.5B | $996.3M | ||
| Q2 24 | $7.5B | $942.5M |
负债/权益比CASHTGLS
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.24× | ||
| Q3 25 | 0.04× | 0.15× | ||
| Q2 25 | 0.04× | 0.15× | ||
| Q1 25 | 0.04× | 0.16× | ||
| Q4 24 | 0.04× | 0.18× | ||
| Q3 24 | 0.04× | 0.21× | ||
| Q2 24 | 0.04× | 0.25× |
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 | — | $31.0M |
| 自由现金流经营现金流 - 资本支出 | — | $11.4M |
| 自由现金流率自由现金流/营收 | — | 4.7% |
| 资本支出强度资本支出/营收 | — | 8.0% |
| 现金转化率经营现金流/净利润 | — | 1.19× |
| 过去12个月自由现金流最近4个季度 | — | $34.5M |
8季度趋势，按日历期对齐
经营现金流CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $31.0M | ||
| Q3 25 | $303.7M | $40.0M | ||
| Q2 25 | $30.4M | $17.9M | ||
| Q1 25 | $188.3M | $46.9M | ||
| Q4 24 | $-71.7M | $61.1M | ||
| Q3 24 | $143.1M | $41.5M | ||
| Q2 24 | $113.2M | $34.5M |
自由现金流CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $11.4M | ||
| Q3 25 | $300.3M | $21.2M | ||
| Q2 25 | $27.7M | $-14.7M | ||
| Q1 25 | $184.7M | $16.5M | ||
| Q4 24 | $-73.8M | $35.4M | ||
| Q3 24 | $138.8M | $17.8M | ||
| Q2 24 | $111.0M | $14.2M |
自由现金流率CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 4.7% | ||
| Q3 25 | 160.9% | 8.2% | ||
| Q2 25 | 14.1% | -5.7% | ||
| Q1 25 | 67.2% | 7.4% | ||
| Q4 24 | -40.4% | 14.8% | ||
| Q3 24 | 77.3% | 7.5% | ||
| Q2 24 | 58.8% | 6.5% |
资本支出强度CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 8.0% | ||
| Q3 25 | 1.8% | 7.2% | ||
| Q2 25 | 1.4% | 12.7% | ||
| Q1 25 | 1.3% | 13.7% | ||
| Q4 24 | 1.1% | 10.7% | ||
| Q3 24 | 2.4% | 9.9% | ||
| Q2 24 | 1.2% | 9.2% |
现金转化率CASHTGLS
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.19× | ||
| Q3 25 | 7.83× | 0.85× | ||
| Q2 25 | 0.72× | 0.41× | ||
| Q1 25 | 2.51× | 1.11× | ||
| Q4 24 | -2.39× | 1.30× | ||
| Q3 24 | 4.27× | 0.84× | ||
| Q2 24 | 2.52× | 0.98× |
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% |
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
