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PATHWARD FINANCIAL, INC.（CASH）与Wheels Up Experience Inc.（UP）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Wheels Up Experience Inc.的1.5倍（$276.3M vs $183.8M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -15.7%，领先42.1%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -3.4%）
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。
Wheels Up是美国领先的按需私人航空服务提供商，也是全球规模最大的私人航空企业之一。公司由肯尼·迪希特创立于2013年，采用会员制按需服务的商业模式，会员可通过移动应用程序，从公司自有机队及第三方运营商处预订私人飞机出行。
CASH vs UP — 直观对比
营收规模更大
CASH
是对方的1.5倍
$183.8M
净利率更高
CASH
高出42.1%
-15.7%
两年增速更快
CASH
近两年复合增速
-3.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $183.8M |
| 净利润 | $72.9M | $-28.9M |
| 毛利率 | — | 14.3% |
| 营业利润率 | — | -0.9% |
| 净利率 | 26.4% | -15.7% |
| 营收同比 | — | -10.2% |
| 净利润同比 | — | 67.0% |
| 每股收益（稀释后） | $3.35 | $-0.04 |
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CASHUP
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $183.8M | ||
| Q3 25 | $186.7M | $185.5M | ||
| Q2 25 | $195.8M | $189.6M | ||
| Q1 25 | $274.8M | $177.5M | ||
| Q4 24 | $182.6M | $204.8M | ||
| Q3 24 | $179.5M | $193.9M | ||
| Q2 24 | $188.6M | $196.3M |
净利润CASHUP
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-28.9M | ||
| Q3 25 | $38.8M | $-83.7M | ||
| Q2 25 | $42.1M | $-82.3M | ||
| Q1 25 | $75.0M | $-99.3M | ||
| Q4 24 | $30.0M | $-87.5M | ||
| Q3 24 | $33.5M | $-57.7M | ||
| Q2 24 | $44.9M | $-97.0M |
毛利率CASHUP
| Q1 26 | — | — | ||
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% |
营业利润率CASHUP
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -0.9% | ||
| Q3 25 | 25.9% | -33.1% | ||
| Q2 25 | 24.1% | -31.4% | ||
| Q1 25 | 33.2% | -45.5% | ||
| Q4 24 | 19.8% | -26.0% | ||
| Q3 24 | 20.9% | -21.6% | ||
| Q2 24 | 27.1% | -40.3% |
净利率CASHUP
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -15.7% | ||
| Q3 25 | 20.8% | -45.1% | ||
| Q2 25 | 21.5% | -43.4% | ||
| Q1 25 | 27.3% | -55.9% | ||
| Q4 24 | 16.4% | -42.7% | ||
| Q3 24 | 18.7% | -29.8% | ||
| Q2 24 | 23.8% | -49.4% |
每股收益（稀释后）CASHUP
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.04 | ||
| Q3 25 | $1.69 | $-0.12 | ||
| Q2 25 | $1.81 | $-0.12 | ||
| Q1 25 | $3.14 | $-0.14 | ||
| Q4 24 | $1.23 | $-0.13 | ||
| Q3 24 | $1.34 | $-0.08 | ||
| Q2 24 | $1.78 | $-0.14 |
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 | $133.9M |
| 总债务越低越好 | $59.5M | $671.3M |
| 股东权益账面价值 | $850.7M | $-392.1M |
| 总资产 | $7.1B | $968.8M |
| 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CASHUP
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $133.9M | ||
| Q3 25 | $120.6M | $125.3M | ||
| Q2 25 | $258.3M | $107.0M | ||
| Q1 25 | $254.2M | $171.8M | ||
| Q4 24 | $597.4M | $216.4M | ||
| Q3 24 | $158.3M | $115.9M | ||
| Q2 24 | $298.9M | $141.5M |
总债务CASHUP
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $671.3M | ||
| Q3 25 | $33.5M | $766.5M | ||
| Q2 25 | $33.4M | $770.5M | ||
| Q1 25 | $33.4M | $765.8M | ||
| Q4 24 | $33.4M | $761.3M | ||
| Q3 24 | $33.4M | $596.9M | ||
| Q2 24 | $33.3M | $597.4M |
股东权益CASHUP
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $-392.1M | ||
| Q3 25 | $858.0M | $-374.5M | ||
| Q2 25 | $819.0M | $-347.8M | ||
| Q1 25 | $814.7M | $-288.1M | ||
| Q4 24 | $758.3M | $-202.1M | ||
| Q3 24 | $822.5M | $-117.7M | ||
| Q2 24 | $748.4M | $-72.2M |
总资产CASHUP
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $968.8M | ||
| Q3 25 | $7.2B | $973.0M | ||
| Q2 25 | $7.2B | $1.0B | ||
| Q1 25 | $7.0B | $1.1B | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $1.0B | ||
| Q2 24 | $7.5B | $1.1B |
负债/权益比CASHUP
| 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 | — | $-18.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-58.3M |
| 自由现金流率自由现金流/营收 | — | -31.7% |
| 资本支出强度资本支出/营收 | — | 21.7% |
| 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 | — | $-259.9M |
8季度趋势，按日历期对齐
经营现金流CASHUP
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-18.4M | ||
| Q3 25 | $303.7M | $-37.1M | ||
| Q2 25 | $30.4M | $-62.9M | ||
| Q1 25 | $188.3M | $-47.9M | ||
| Q4 24 | $-71.7M | $37.9M | ||
| Q3 24 | $143.1M | $-16.9M | ||
| Q2 24 | $113.2M | $-25.2M |
自由现金流CASHUP
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-58.3M | ||
| Q3 25 | $300.3M | $-60.4M | ||
| Q2 25 | $27.7M | $-78.6M | ||
| Q1 25 | $184.7M | $-62.6M | ||
| Q4 24 | $-73.8M | $-70.2M | ||
| Q3 24 | $138.8M | $-21.9M | ||
| Q2 24 | $111.0M | $-30.8M |
自由现金流率CASHUP
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -31.7% | ||
| Q3 25 | 160.9% | -32.6% | ||
| Q2 25 | 14.1% | -41.5% | ||
| Q1 25 | 67.2% | -35.3% | ||
| Q4 24 | -40.4% | -34.3% | ||
| Q3 24 | 77.3% | -11.3% | ||
| Q2 24 | 58.8% | -15.7% |
资本支出强度CASHUP
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 21.7% | ||
| Q3 25 | 1.8% | 12.5% | ||
| Q2 25 | 1.4% | 8.3% | ||
| Q1 25 | 1.3% | 8.3% | ||
| Q4 24 | 1.1% | 52.8% | ||
| Q3 24 | 2.4% | 2.6% | ||
| Q2 24 | 1.2% | 2.9% |
现金转化率CASHUP
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| 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% |
UP
暂无分部数据
