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PATHWARD FINANCIAL, INC.（CASH）与WAFD INC（WAFD）财务数据对比。点击上方公司名可切换其他公司
WAFD INC的季度营收约是PATHWARD FINANCIAL, INC.的1.1倍（$191.4M vs $173.1M），WAFD INC净利率更高（33.5% vs 20.3%，领先13.2%），WAFD INC同比增速更快（11.8% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $50.0M），过去两年WAFD INC的营收复合增速更高（5.5% 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。
WAFD银行总部位于美国华盛顿州西雅图市，是美国头部银行之一，业务覆盖华盛顿州、俄勒冈州、爱达荷州、内华达州、犹他州、亚利桑那州、新墨西哥州、加利福尼亚州及得克萨斯州，共设有210家实体营业网点，为多州客户提供专业金融服务。
CASH vs WAFD — 直观对比
营收规模更大
WAFD
是对方的1.1倍
$173.1M
营收增速更快
WAFD
高出12.1%
-0.2%
净利率更高
WAFD
高出13.2%
20.3%
自由现金流更多
CASH
多$54.0M
$50.0M
两年增速更快
WAFD
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $191.4M |
| 净利润 | $35.2M | $64.2M |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | 43.0% |
| 净利率 | 20.3% | 33.5% |
| 营收同比 | -0.2% | 11.8% |
| 净利润同比 | 11.9% | 35.8% |
| 每股收益（稀释后） | $1.57 | $0.79 |
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CASHWAFD
| Q4 25 | $173.1M | $191.4M | ||
| Q3 25 | $186.7M | $188.3M | ||
| Q2 25 | $195.8M | $186.3M | ||
| Q1 25 | $274.8M | $179.8M | ||
| Q4 24 | $182.6M | $171.1M | ||
| Q3 24 | $179.5M | $188.7M | ||
| Q2 24 | $188.6M | $194.4M | ||
| Q1 24 | $257.6M | $172.0M |
净利润CASHWAFD
| Q4 25 | $35.2M | $64.2M | ||
| Q3 25 | $38.8M | $60.6M | ||
| Q2 25 | $42.1M | $62.0M | ||
| Q1 25 | $75.0M | $56.3M | ||
| Q4 24 | $30.0M | $47.3M | ||
| Q3 24 | $33.5M | $61.1M | ||
| Q2 24 | $44.9M | $64.6M | ||
| Q1 24 | $69.9M | $15.9M |
营业利润率CASHWAFD
| Q4 25 | 24.6% | 43.0% | ||
| Q3 25 | 25.9% | 41.2% | ||
| Q2 25 | 24.1% | 42.8% | ||
| Q1 25 | 33.2% | 40.1% | ||
| Q4 24 | 19.8% | 35.2% | ||
| Q3 24 | 20.9% | 42.8% | ||
| Q2 24 | 27.1% | 42.6% | ||
| Q1 24 | 33.8% | 12.2% |
净利率CASHWAFD
| Q4 25 | 20.3% | 33.5% | ||
| Q3 25 | 20.8% | 32.2% | ||
| Q2 25 | 21.5% | 33.3% | ||
| Q1 25 | 27.3% | 31.3% | ||
| Q4 24 | 16.4% | 27.6% | ||
| Q3 24 | 18.7% | 32.4% | ||
| Q2 24 | 23.8% | 33.2% | ||
| Q1 24 | 27.1% | 9.2% |
每股收益（稀释后）CASHWAFD
| Q4 25 | $1.57 | $0.79 | ||
| Q3 25 | $1.69 | $0.71 | ||
| Q2 25 | $1.81 | $0.73 | ||
| Q1 25 | $3.14 | $0.65 | ||
| Q4 24 | $1.23 | $0.54 | ||
| Q3 24 | $1.34 | $0.73 | ||
| Q2 24 | $1.78 | $0.75 | ||
| Q1 24 | $2.74 | $0.17 |
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 | $734.9M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $3.0B |
| 总资产 | $7.6B | $27.3B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHWAFD
| Q4 25 | $331.2M | $734.9M | ||
| Q3 25 | $120.6M | $657.3M | ||
| Q2 25 | $258.3M | $809.3M | ||
| Q1 25 | $254.2M | $1.2B | ||
| Q4 24 | $597.4M | $1.5B | ||
| Q3 24 | $158.3M | $2.4B | ||
| Q2 24 | $298.9M | $2.5B | ||
| Q1 24 | $347.9M | $1.5B |
总债务CASHWAFD
| 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 | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHWAFD
| Q4 25 | $854.5M | $3.0B | ||
| Q3 25 | $858.0M | $3.0B | ||
| Q2 25 | $819.0M | $3.0B | ||
| Q1 25 | $814.7M | $3.0B | ||
| Q4 24 | $758.3M | $3.0B | ||
| Q3 24 | $822.5M | $3.0B | ||
| Q2 24 | $748.4M | $3.0B | ||
| Q1 24 | $719.5M | $2.9B |
总资产CASHWAFD
| Q4 25 | $7.6B | $27.3B | ||
| Q3 25 | $7.2B | $26.7B | ||
| Q2 25 | $7.2B | $26.7B | ||
| Q1 25 | $7.0B | $27.6B | ||
| Q4 24 | $7.6B | $27.7B | ||
| Q3 24 | $7.5B | $28.1B | ||
| Q2 24 | $7.5B | $28.6B | ||
| Q1 24 | $7.4B | $30.1B |
负债/权益比CASHWAFD
| 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× | — | ||
| Q1 24 | 0.05× | — |
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 | $60.5M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $50.0M |
| 自由现金流率自由现金流/营收 | 60.1% | 26.1% |
| 资本支出强度资本支出/营收 | 2.4% | 5.5% |
| 现金转化率经营现金流/净利润 | 3.08× | 0.94× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $377.9M |
8季度趋势，按日历期对齐
经营现金流CASHWAFD
| Q4 25 | $108.3M | $60.5M | ||
| Q3 25 | $303.7M | $237.0M | ||
| Q2 25 | $30.4M | $58.0M | ||
| Q1 25 | $188.3M | $72.1M | ||
| Q4 24 | $-71.7M | $49.4M | ||
| Q3 24 | $143.1M | $439.2M | ||
| Q2 24 | $113.2M | $63.1M | ||
| Q1 24 | $203.0M | $169.2M |
自由现金流CASHWAFD
| Q4 25 | $104.1M | $50.0M | ||
| Q3 25 | $300.3M | $208.2M | ||
| Q2 25 | $27.7M | $53.1M | ||
| Q1 25 | $184.7M | $66.6M | ||
| Q4 24 | $-73.8M | $43.0M | ||
| Q3 24 | $138.8M | $414.6M | ||
| Q2 24 | $111.0M | $58.3M | ||
| Q1 24 | $201.3M | $164.8M |
自由现金流率CASHWAFD
| Q4 25 | 60.1% | 26.1% | ||
| Q3 25 | 160.9% | 110.6% | ||
| Q2 25 | 14.1% | 28.5% | ||
| Q1 25 | 67.2% | 37.0% | ||
| Q4 24 | -40.4% | 25.1% | ||
| Q3 24 | 77.3% | 219.7% | ||
| Q2 24 | 58.8% | 30.0% | ||
| Q1 24 | 78.1% | 95.8% |
资本支出强度CASHWAFD
| Q4 25 | 2.4% | 5.5% | ||
| Q3 25 | 1.8% | 15.2% | ||
| Q2 25 | 1.4% | 2.6% | ||
| Q1 25 | 1.3% | 3.1% | ||
| Q4 24 | 1.1% | 3.8% | ||
| Q3 24 | 2.4% | 13.1% | ||
| Q2 24 | 1.2% | 2.5% | ||
| Q1 24 | 0.7% | 2.6% |
现金转化率CASHWAFD
| Q4 25 | 3.08× | 0.94× | ||
| Q3 25 | 7.83× | 3.91× | ||
| Q2 25 | 0.72× | 0.94× | ||
| Q1 25 | 2.51× | 1.28× | ||
| Q4 24 | -2.39× | 1.05× | ||
| Q3 24 | 4.27× | 7.18× | ||
| Q2 24 | 2.52× | 0.98× | ||
| Q1 24 | 2.90× | 10.65× |
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% |
WAFD
暂无分部数据
