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PATHWARD FINANCIAL, INC.（CASH）与WD 40 CO（WDFC）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WD 40 CO的1.1倍（$173.1M vs $154.4M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 11.3%，领先9.0%），WD 40 CO同比增速更快（0.6% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $9.1M），过去两年WD 40 CO的营收复合增速更高（5.4% 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。
WD-40公司是全球知名的消费及工业维护用品生产商，核心产品为同名多功能防锈润滑剂，同时布局清洁剂、除油剂、特殊润滑产品等品类，业务覆盖全球170余个国家和地区，服务零售、工业、汽车后市场等多个领域。
CASH vs WDFC — 直观对比
营收规模更大
CASH
是对方的1.1倍
$154.4M
营收增速更快
WDFC
高出0.8%
-0.2%
净利率更高
CASH
高出9.0%
11.3%
自由现金流更多
CASH
多$95.0M
$9.1M
两年增速更快
WDFC
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $154.4M |
| 净利润 | $35.2M | $17.5M |
| 毛利率 | — | 56.2% |
| 营业利润率 | 24.6% | 15.1% |
| 净利率 | 20.3% | 11.3% |
| 营收同比 | -0.2% | 0.6% |
| 净利润同比 | 11.9% | -7.8% |
| 每股收益（稀释后） | $1.57 | $1.28 |
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CASHWDFC
| Q4 25 | $173.1M | $154.4M | ||
| Q3 25 | $186.7M | $163.5M | ||
| Q2 25 | $195.8M | $156.9M | ||
| Q1 25 | $274.8M | $146.1M | ||
| Q4 24 | $182.6M | $153.5M | ||
| Q3 24 | $179.5M | $156.0M | ||
| Q2 24 | $188.6M | $155.0M | ||
| Q1 24 | $257.6M | $139.1M |
净利润CASHWDFC
| Q4 25 | $35.2M | $17.5M | ||
| Q3 25 | $38.8M | $21.2M | ||
| Q2 25 | $42.1M | $21.0M | ||
| Q1 25 | $75.0M | $29.9M | ||
| Q4 24 | $30.0M | $18.9M | ||
| Q3 24 | $33.5M | $16.8M | ||
| Q2 24 | $44.9M | $19.8M | ||
| Q1 24 | $69.9M | $15.5M |
毛利率CASHWDFC
| Q4 25 | — | 56.2% | ||
| Q3 25 | — | 54.7% | ||
| Q2 25 | — | 56.2% | ||
| Q1 25 | — | 54.6% | ||
| Q4 24 | — | 54.8% | ||
| Q3 24 | — | 54.1% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 52.4% |
营业利润率CASHWDFC
| Q4 25 | 24.6% | 15.1% | ||
| Q3 25 | 25.9% | 17.1% | ||
| Q2 25 | 24.1% | 17.4% | ||
| Q1 25 | 33.2% | 15.9% | ||
| Q4 24 | 19.8% | 16.4% | ||
| Q3 24 | 20.9% | 15.4% | ||
| Q2 24 | 27.1% | 17.5% | ||
| Q1 24 | 33.8% | 15.1% |
净利率CASHWDFC
| Q4 25 | 20.3% | 11.3% | ||
| Q3 25 | 20.8% | 13.0% | ||
| Q2 25 | 21.5% | 13.4% | ||
| Q1 25 | 27.3% | 20.4% | ||
| Q4 24 | 16.4% | 12.3% | ||
| Q3 24 | 18.7% | 10.8% | ||
| Q2 24 | 23.8% | 12.8% | ||
| Q1 24 | 27.1% | 11.2% |
每股收益（稀释后）CASHWDFC
| Q4 25 | $1.57 | $1.28 | ||
| Q3 25 | $1.69 | $1.57 | ||
| Q2 25 | $1.81 | $1.54 | ||
| Q1 25 | $3.14 | $2.19 | ||
| Q4 24 | $1.23 | $1.39 | ||
| Q3 24 | $1.34 | $1.23 | ||
| Q2 24 | $1.78 | $1.46 | ||
| Q1 24 | $2.74 | $1.14 |
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 | $331.2M | $48.6M |
| 总债务越低越好 | $33.5M | $85.7M |
| 股东权益账面价值 | $854.5M | $264.1M |
| 总资产 | $7.6B | $459.7M |
| 负债/权益比越低杠杆越低 | 0.04× | 0.32× |
8季度趋势，按日历期对齐
现金及短期投资CASHWDFC
| Q4 25 | $331.2M | $48.6M | ||
| Q3 25 | $120.6M | $58.1M | ||
| Q2 25 | $258.3M | $51.7M | ||
| Q1 25 | $254.2M | $53.0M | ||
| Q4 24 | $597.4M | $54.9M | ||
| Q3 24 | $158.3M | $46.7M | ||
| Q2 24 | $298.9M | $45.3M | ||
| Q1 24 | $347.9M | $55.4M |
总债务CASHWDFC
| Q4 25 | $33.5M | $85.7M | ||
| Q3 25 | $33.5M | $86.2M | ||
| Q2 25 | $33.4M | $85.6M | ||
| Q1 25 | $33.4M | $84.4M | ||
| Q4 24 | $33.4M | $84.6M | ||
| Q3 24 | $33.4M | $86.0M | ||
| Q2 24 | $33.3M | $85.5M | ||
| Q1 24 | $33.4M | $85.9M |
股东权益CASHWDFC
| Q4 25 | $854.5M | $264.1M | ||
| Q3 25 | $858.0M | $268.2M | ||
| Q2 25 | $819.0M | $257.1M | ||
| Q1 25 | $814.7M | $242.1M | ||
| Q4 24 | $758.3M | $226.3M | ||
| Q3 24 | $822.5M | $230.5M | ||
| Q2 24 | $748.4M | $222.2M | ||
| Q1 24 | $719.5M | $216.3M |
总资产CASHWDFC
| Q4 25 | $7.6B | $459.7M | ||
| Q3 25 | $7.2B | $475.8M | ||
| Q2 25 | $7.2B | $456.0M | ||
| Q1 25 | $7.0B | $458.3M | ||
| Q4 24 | $7.6B | $447.3M | ||
| Q3 24 | $7.5B | $449.0M | ||
| Q2 24 | $7.5B | $443.6M | ||
| Q1 24 | $7.4B | $442.0M |
负债/权益比CASHWDFC
| Q4 25 | 0.04× | 0.32× | ||
| Q3 25 | 0.04× | 0.32× | ||
| Q2 25 | 0.04× | 0.33× | ||
| Q1 25 | 0.04× | 0.35× | ||
| Q4 24 | 0.04× | 0.37× | ||
| Q3 24 | 0.04× | 0.37× | ||
| Q2 24 | 0.04× | 0.38× | ||
| Q1 24 | 0.05× | 0.40× |
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 | $10.0M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $9.1M |
| 自由现金流率自由现金流/营收 | 60.1% | 5.9% |
| 资本支出强度资本支出/营收 | 2.4% | 0.6% |
| 现金转化率经营现金流/净利润 | 3.08× | 0.57× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $78.2M |
8季度趋势，按日历期对齐
经营现金流CASHWDFC
| Q4 25 | $108.3M | $10.0M | ||
| Q3 25 | $303.7M | $29.9M | ||
| Q2 25 | $30.4M | $35.1M | ||
| Q1 25 | $188.3M | $8.0M | ||
| Q4 24 | $-71.7M | $14.9M | ||
| Q3 24 | $143.1M | $27.2M | ||
| Q2 24 | $113.2M | $19.9M | ||
| Q1 24 | $203.0M | $18.0M |
自由现金流CASHWDFC
| Q4 25 | $104.1M | $9.1M | ||
| Q3 25 | $300.3M | $28.6M | ||
| Q2 25 | $27.7M | $34.0M | ||
| Q1 25 | $184.7M | $6.6M | ||
| Q4 24 | $-73.8M | $14.2M | ||
| Q3 24 | $138.8M | $26.4M | ||
| Q2 24 | $111.0M | $18.7M | ||
| Q1 24 | $201.3M | $16.7M |
自由现金流率CASHWDFC
| Q4 25 | 60.1% | 5.9% | ||
| Q3 25 | 160.9% | 17.5% | ||
| Q2 25 | 14.1% | 21.6% | ||
| Q1 25 | 67.2% | 4.5% | ||
| Q4 24 | -40.4% | 9.3% | ||
| Q3 24 | 77.3% | 16.9% | ||
| Q2 24 | 58.8% | 12.0% | ||
| Q1 24 | 78.1% | 12.0% |
资本支出强度CASHWDFC
| Q4 25 | 2.4% | 0.6% | ||
| Q3 25 | 1.8% | 0.8% | ||
| Q2 25 | 1.4% | 0.7% | ||
| Q1 25 | 1.3% | 0.9% | ||
| Q4 24 | 1.1% | 0.5% | ||
| Q3 24 | 2.4% | 0.5% | ||
| Q2 24 | 1.2% | 0.8% | ||
| Q1 24 | 0.7% | 0.9% |
现金转化率CASHWDFC
| Q4 25 | 3.08× | 0.57× | ||
| Q3 25 | 7.83× | 1.41× | ||
| Q2 25 | 0.72× | 1.67× | ||
| Q1 25 | 2.51× | 0.27× | ||
| Q4 24 | -2.39× | 0.79× | ||
| Q3 24 | 4.27× | 1.62× | ||
| Q2 24 | 2.52× | 1.00× | ||
| Q1 24 | 2.90× | 1.16× |
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
| 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% |
WDFC
| Other | $82.6M | 53% |
| WD40Multi Use Product | $56.0M | 36% |
| WD40Specialist | $9.0M | 6% |
| Other Maintenance Products | $4.0M | 3% |
| Homecare And Cleaning Products | $2.7M | 2% |
