vs
PATHWARD FINANCIAL, INC.（CASH）与Thermon Group Holdings, Inc.（THR）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Thermon Group Holdings, Inc.的1.9倍（$276.3M vs $147.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 12.4%，领先14.0%）
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。
Thermon Group Holdings是全球专业热管理解决方案供应商，主打伴热系统、加热电缆、温控监测设备及相关安装支持服务，服务油气、化工、发电、食品饮料等核心工业领域，业务覆盖北美、欧洲、亚太、拉美等全球主要市场。
CASH vs THR — 直观对比
营收规模更大
CASH
是对方的1.9倍
$147.3M
净利率更高
CASH
高出14.0%
12.4%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $147.3M |
| 净利润 | $72.9M | $18.3M |
| 毛利率 | — | 46.6% |
| 营业利润率 | — | 18.1% |
| 净利率 | 26.4% | 12.4% |
| 营收同比 | — | 9.6% |
| 净利润同比 | — | -1.3% |
| 每股收益（稀释后） | $3.35 | $0.55 |
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CASHTHR
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $147.3M | ||
| Q3 25 | $186.7M | $131.7M | ||
| Q2 25 | $195.8M | $108.9M | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | — | ||
| Q3 24 | $179.5M | — | ||
| Q2 24 | $188.6M | — |
净利润CASHTHR
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $18.3M | ||
| Q3 25 | $38.8M | $15.0M | ||
| Q2 25 | $42.1M | $8.6M | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | — | ||
| Q2 24 | $44.9M | — |
毛利率CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | — | 46.6% | ||
| Q3 25 | — | 46.4% | ||
| Q2 25 | — | 44.1% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 18.1% | ||
| Q3 25 | 25.9% | 16.4% | ||
| Q2 25 | 24.1% | 10.8% | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | — | ||
| Q2 24 | 27.1% | — |
净利率CASHTHR
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 12.4% | ||
| Q3 25 | 20.8% | 11.4% | ||
| Q2 25 | 21.5% | 7.9% | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | — | ||
| Q2 24 | 23.8% | — |
每股收益（稀释后）CASHTHR
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.55 | ||
| Q3 25 | $1.69 | $0.45 | ||
| Q2 25 | $1.81 | $0.26 | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | — |
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 | $46.9M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $538.7M |
| 总资产 | $7.1B | $816.7M |
| 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CASHTHR
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $46.9M | ||
| Q3 25 | $120.6M | $29.7M | ||
| Q2 25 | $258.3M | $36.5M | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHTHR
| 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 | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHTHR
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $538.7M | ||
| Q3 25 | $858.0M | $515.2M | ||
| Q2 25 | $819.0M | $509.3M | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | — | ||
| Q3 24 | $822.5M | — | ||
| Q2 24 | $748.4M | — |
总资产CASHTHR
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $816.7M | ||
| Q3 25 | $7.2B | $778.2M | ||
| Q2 25 | $7.2B | $765.3M | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | — | ||
| Q3 24 | $7.5B | — | ||
| Q2 24 | $7.5B | — |
负债/权益比CASHTHR
| 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× | — | ||
| Q2 24 | 0.04× | — |
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 | — | $18.0M |
| 自由现金流经营现金流 - 资本支出 | — | $13.1M |
| 自由现金流率自由现金流/营收 | — | 8.9% |
| 资本支出强度资本支出/营收 | — | 3.3% |
| 现金转化率经营现金流/净利润 | — | 0.98× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $18.0M | ||
| Q3 25 | $303.7M | $7.4M | ||
| Q2 25 | $30.4M | $10.7M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | — |
自由现金流CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $13.1M | ||
| Q3 25 | $300.3M | $4.4M | ||
| Q2 25 | $27.7M | $8.3M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | — |
自由现金流率CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 8.9% | ||
| Q3 25 | 160.9% | 3.3% | ||
| Q2 25 | 14.1% | 7.6% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | — |
资本支出强度CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.3% | ||
| Q3 25 | 1.8% | 2.3% | ||
| Q2 25 | 1.4% | 2.2% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.2% | — |
现金转化率CASHTHR
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.98× | ||
| Q3 25 | 7.83× | 0.50× | ||
| Q2 25 | 0.72× | 1.25× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — |
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% |
THR
| Other | $73.7M | 50% |
| Transferred At Point In Time | $56.1M | 38% |
| Transferred Over Time | $17.5M | 12% |
