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PATHWARD FINANCIAL, INC.（CASH）与Utz Brands, Inc.（UTZ）财务数据对比。点击上方公司名可切换其他公司
Utz Brands, Inc.的季度营收约是PATHWARD FINANCIAL, INC.的2.0倍（$341.0M vs $173.1M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 0.7%，领先19.6%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -3.1%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $16.5M），过去两年Utz Brands, Inc.的营收复合增速更高（-1.5% vs -18.0%）
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。
Utz Brands, Inc.常简称为Utz，是总部位于美国宾夕法尼亚州汉诺威的休闲食品企业。该公司主打生产薯片、碱水脆饼等多种休闲食品，大部分产品以旗下品牌矩阵发售，同时也为仓储式会员店和批发商供应休闲零食。
CASH vs UTZ — 直观对比
营收规模更大
UTZ
是对方的2.0倍
$173.1M
营收增速更快
CASH
高出2.9%
-3.1%
净利率更高
CASH
高出19.6%
0.7%
自由现金流更多
CASH
多$87.6M
$16.5M
两年增速更快
UTZ
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2024
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $341.0M |
| 净利润 | $35.2M | $2.3M |
| 毛利率 | — | 25.5% |
| 营业利润率 | 24.6% | 2.1% |
| 净利率 | 20.3% | 0.7% |
| 营收同比 | -0.2% | -3.1% |
| 净利润同比 | 11.9% | 108.3% |
| 每股收益（稀释后） | $1.57 | $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CASHUTZ
| Q4 25 | $173.1M | — | ||
| Q3 25 | $186.7M | — | ||
| Q2 25 | $195.8M | — | ||
| Q1 25 | $274.8M | — | ||
| Q4 24 | $182.6M | $341.0M | ||
| Q3 24 | $179.5M | $365.5M | ||
| Q2 24 | $188.6M | $356.2M | ||
| Q1 24 | $257.6M | $346.5M |
净利润CASHUTZ
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | — | ||
| Q2 25 | $42.1M | — | ||
| Q1 25 | $75.0M | — | ||
| Q4 24 | $30.0M | $2.3M | ||
| Q3 24 | $33.5M | $-2.2M | ||
| Q2 24 | $44.9M | $19.8M | ||
| Q1 24 | $69.9M | $-4.0M |
毛利率CASHUTZ
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
营业利润率CASHUTZ
| Q4 25 | 24.6% | — | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | 2.1% | ||
| Q3 24 | 20.9% | 5.3% | ||
| Q2 24 | 27.1% | 6.3% | ||
| Q1 24 | 33.8% | 2.8% |
净利率CASHUTZ
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | — | ||
| Q2 25 | 21.5% | — | ||
| Q1 25 | 27.3% | — | ||
| Q4 24 | 16.4% | 0.7% | ||
| Q3 24 | 18.7% | -0.6% | ||
| Q2 24 | 23.8% | 5.6% | ||
| Q1 24 | 27.1% | -1.2% |
每股收益（稀释后）CASHUTZ
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | $0.04 | ||
| Q3 24 | $1.34 | $-0.03 | ||
| Q2 24 | $1.78 | $0.23 | ||
| Q1 24 | $2.74 | $-0.05 |
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 | $331.2M | $56.1M |
| 总债务越低越好 | $33.5M | $768.6M |
| 股东权益账面价值 | $854.5M | $696.9M |
| 总资产 | $7.6B | $2.7B |
| 负债/权益比越低杠杆越低 | 0.04× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资CASHUTZ
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | $56.1M | ||
| Q3 24 | $158.3M | $64.9M | ||
| Q2 24 | $298.9M | $66.6M | ||
| Q1 24 | $347.9M | $47.0M |
总债务CASHUTZ
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $768.6M | ||
| Q3 24 | $33.4M | $780.8M | ||
| Q2 24 | $33.3M | $797.6M | ||
| Q1 24 | $33.4M | $756.9M |
股东权益CASHUTZ
| Q4 25 | $854.5M | — | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $819.0M | — | ||
| Q1 25 | $814.7M | — | ||
| Q4 24 | $758.3M | $696.9M | ||
| Q3 24 | $822.5M | $685.7M | ||
| Q2 24 | $748.4M | $686.0M | ||
| Q1 24 | $719.5M | $671.1M |
总资产CASHUTZ
| Q4 25 | $7.6B | — | ||
| Q3 25 | $7.2B | — | ||
| Q2 25 | $7.2B | — | ||
| Q1 25 | $7.0B | — | ||
| Q4 24 | $7.6B | $2.7B | ||
| Q3 24 | $7.5B | $2.6B | ||
| Q2 24 | $7.5B | $2.7B | ||
| Q1 24 | $7.4B | $2.6B |
负债/权益比CASHUTZ
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 1.10× | ||
| Q3 24 | 0.04× | 1.14× | ||
| Q2 24 | 0.04× | 1.16× | ||
| Q1 24 | 0.05× | 1.13× |
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 | $108.3M | $54.2M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $16.5M |
| 自由现金流率自由现金流/营收 | 60.1% | 4.8% |
| 资本支出强度资本支出/营收 | 2.4% | 11.1% |
| 现金转化率经营现金流/净利润 | 3.08× | 23.67× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $7.6M |
8季度趋势，按日历期对齐
经营现金流CASHUTZ
| Q4 25 | $108.3M | — | ||
| Q3 25 | $303.7M | — | ||
| Q2 25 | $30.4M | — | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $54.2M | ||
| Q3 24 | $143.1M | $52.2M | ||
| Q2 24 | $113.2M | $8.9M | ||
| Q1 24 | $203.0M | $-9.1M |
自由现金流CASHUTZ
| Q4 25 | $104.1M | — | ||
| Q3 25 | $300.3M | — | ||
| Q2 25 | $27.7M | — | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $16.5M | ||
| Q3 24 | $138.8M | $29.1M | ||
| Q2 24 | $111.0M | $-15.3M | ||
| Q1 24 | $201.3M | $-22.7M |
自由现金流率CASHUTZ
| Q4 25 | 60.1% | — | ||
| Q3 25 | 160.9% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | 4.8% | ||
| Q3 24 | 77.3% | 8.0% | ||
| Q2 24 | 58.8% | -4.3% | ||
| Q1 24 | 78.1% | -6.5% |
资本支出强度CASHUTZ
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 1.1% | 11.1% | ||
| Q3 24 | 2.4% | 6.3% | ||
| Q2 24 | 1.2% | 6.8% | ||
| Q1 24 | 0.7% | 3.9% |
现金转化率CASHUTZ
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 23.67× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | 0.45× | ||
| Q1 24 | 2.90× | — |
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
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
UTZ
暂无分部数据
