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PATHWARD FINANCIAL, INC.（CASH）与VERACYTE, INC.（VCYT）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VERACYTE, INC.的2.0倍（$276.3M vs $139.1M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 20.6%，领先5.7%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 10.2%）
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。
Veracyte是一家领先的分子诊断企业，专注开发专有的基因组检测方案，可实现癌症及其他复杂疾病的早期精准检测，产品服务于医疗机构以优化临床决策，核心市场位于美国，正稳步拓展全球业务布局。
CASH vs VCYT — 直观对比
营收规模更大
CASH
是对方的2.0倍
$139.1M
净利率更高
CASH
高出5.7%
20.6%
两年增速更快
CASH
近两年复合增速
10.2%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $139.1M |
| 净利润 | $72.9M | $28.7M |
| 毛利率 | — | 72.7% |
| 营业利润率 | — | 16.3% |
| 净利率 | 26.4% | 20.6% |
| 营收同比 | — | 21.5% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $0.35 |
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CASHVCYT
| Q1 26 | $276.3M | $139.1M | ||
| Q4 25 | $173.1M | $140.6M | ||
| Q3 25 | $186.7M | $131.9M | ||
| Q2 25 | $195.8M | $130.2M | ||
| Q1 25 | $274.8M | $114.5M | ||
| Q4 24 | $182.6M | $118.6M | ||
| Q3 24 | $179.5M | $115.9M | ||
| Q2 24 | $188.6M | $114.4M |
净利润CASHVCYT
| Q1 26 | $72.9M | $28.7M | ||
| Q4 25 | $35.2M | $41.1M | ||
| Q3 25 | $38.8M | $19.1M | ||
| Q2 25 | $42.1M | $-980.0K | ||
| Q1 25 | $75.0M | $7.0M | ||
| Q4 24 | $30.0M | $5.1M | ||
| Q3 24 | $33.5M | $15.2M | ||
| Q2 24 | $44.9M | $5.7M |
毛利率CASHVCYT
| Q1 26 | — | 72.7% | ||
| Q4 25 | — | 72.5% | ||
| Q3 25 | — | 69.2% | ||
| Q2 25 | — | 69.0% | ||
| Q1 25 | — | 69.5% | ||
| Q4 24 | — | 66.4% | ||
| Q3 24 | — | 68.2% | ||
| Q2 24 | — | 68.1% |
营业利润率CASHVCYT
| Q1 26 | — | 16.3% | ||
| Q4 25 | 24.6% | 26.4% | ||
| Q3 25 | 25.9% | 17.4% | ||
| Q2 25 | 24.1% | -4.0% | ||
| Q1 25 | 33.2% | 2.5% | ||
| Q4 24 | 19.8% | 3.5% | ||
| Q3 24 | 20.9% | 10.4% | ||
| Q2 24 | 27.1% | 4.0% |
净利率CASHVCYT
| Q1 26 | 26.4% | 20.6% | ||
| Q4 25 | 20.3% | 29.3% | ||
| Q3 25 | 20.8% | 14.5% | ||
| Q2 25 | 21.5% | -0.8% | ||
| Q1 25 | 27.3% | 6.2% | ||
| Q4 24 | 16.4% | 4.3% | ||
| Q3 24 | 18.7% | 13.1% | ||
| Q2 24 | 23.8% | 5.0% |
每股收益（稀释后）CASHVCYT
| Q1 26 | $3.35 | $0.35 | ||
| Q4 25 | $1.57 | $0.50 | ||
| Q3 25 | $1.69 | $0.24 | ||
| Q2 25 | $1.81 | $-0.01 | ||
| Q1 25 | $3.14 | $0.09 | ||
| Q4 24 | $1.23 | $0.07 | ||
| Q3 24 | $1.34 | $0.19 | ||
| Q2 24 | $1.78 | $0.07 |
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 | $439.1M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $1.3B |
| 总资产 | $7.1B | $1.4B |
| 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CASHVCYT
| Q1 26 | $157.6M | $439.1M | ||
| Q4 25 | $331.2M | $362.6M | ||
| Q3 25 | $120.6M | $315.6M | ||
| Q2 25 | $258.3M | $219.5M | ||
| Q1 25 | $254.2M | $186.1M | ||
| Q4 24 | $597.4M | $239.1M | ||
| Q3 24 | $158.3M | $274.1M | ||
| Q2 24 | $298.9M | $235.9M |
总债务CASHVCYT
| 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CASHVCYT
| Q1 26 | $850.7M | $1.3B | ||
| Q4 25 | $854.5M | $1.3B | ||
| Q3 25 | $858.0M | $1.3B | ||
| Q2 25 | $819.0M | $1.2B | ||
| Q1 25 | $814.7M | $1.2B | ||
| Q4 24 | $758.3M | $1.2B | ||
| Q3 24 | $822.5M | $1.2B | ||
| Q2 24 | $748.4M | $1.1B |
总资产CASHVCYT
| Q1 26 | $7.1B | $1.4B | ||
| Q4 25 | $7.6B | $1.4B | ||
| Q3 25 | $7.2B | $1.4B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.0B | $1.3B | ||
| Q4 24 | $7.6B | $1.3B | ||
| Q3 24 | $7.5B | $1.3B | ||
| Q2 24 | $7.5B | $1.2B |
负债/权益比CASHVCYT
| 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 | — | $35.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.23× |
| 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CASHVCYT
| Q1 26 | — | $35.2M | ||
| Q4 25 | $108.3M | $52.6M | ||
| Q3 25 | $303.7M | $44.8M | ||
| Q2 25 | $30.4M | $33.6M | ||
| Q1 25 | $188.3M | $5.4M | ||
| Q4 24 | $-71.7M | $24.5M | ||
| Q3 24 | $143.1M | $30.0M | ||
| Q2 24 | $113.2M | $29.6M |
自由现金流CASHVCYT
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $48.8M | ||
| Q3 25 | $300.3M | $42.0M | ||
| Q2 25 | $27.7M | $32.3M | ||
| Q1 25 | $184.7M | $3.5M | ||
| Q4 24 | $-73.8M | $20.4M | ||
| Q3 24 | $138.8M | $27.7M | ||
| Q2 24 | $111.0M | $26.8M |
自由现金流率CASHVCYT
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 34.7% | ||
| Q3 25 | 160.9% | 31.8% | ||
| Q2 25 | 14.1% | 24.8% | ||
| Q1 25 | 67.2% | 3.1% | ||
| Q4 24 | -40.4% | 17.2% | ||
| Q3 24 | 77.3% | 23.9% | ||
| Q2 24 | 58.8% | 23.4% |
资本支出强度CASHVCYT
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 2.7% | ||
| Q3 25 | 1.8% | 2.1% | ||
| Q2 25 | 1.4% | 1.0% | ||
| Q1 25 | 1.3% | 1.6% | ||
| Q4 24 | 1.1% | 3.5% | ||
| Q3 24 | 2.4% | 1.9% | ||
| Q2 24 | 1.2% | 2.4% |
现金转化率CASHVCYT
| Q1 26 | — | 1.23× | ||
| Q4 25 | 3.08× | 1.28× | ||
| Q3 25 | 7.83× | 2.34× | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | 0.76× | ||
| Q4 24 | -2.39× | 4.80× | ||
| Q3 24 | 4.27× | 1.98× | ||
| Q2 24 | 2.52× | 5.16× |
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% |
VCYT
| Testing revenue | $135.1M | 97% |
| Product revenue | $3.7M | 3% |
| Biopharmaceutical and other revenue | $301.0K | 0% |
