vs
PATHWARD FINANCIAL, INC.（CASH）与EXPRO GROUP HOLDINGS N.V.（XPRO）财务数据对比。点击上方公司名可切换其他公司
EXPRO GROUP HOLDINGS N.V.的季度营收约是PATHWARD FINANCIAL, INC.的1.4倍（$382.1M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 1.5%，领先24.9%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -0.2%）
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。
Expro是一家能源服务提供商，总部位于美国得克萨斯州休斯敦，主要为油气等能源领域的客户提供相关技术服务与解决方案，业务覆盖全球多个主要能源产区，助力行业实现高效、安全的开发运营。
CASH vs XPRO — 直观对比
营收规模更大
XPRO
是对方的1.4倍
$276.3M
净利率更高
CASH
高出24.9%
1.5%
两年增速更快
CASH
近两年复合增速
-0.2%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $382.1M |
| 净利润 | $72.9M | $5.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 3.1% |
| 净利率 | 26.4% | 1.5% |
| 营收同比 | — | -12.5% |
| 净利润同比 | — | -74.9% |
| 每股收益（稀释后） | $3.35 | $0.05 |
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CASHXPRO
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $382.1M | ||
| Q3 25 | $186.7M | $411.4M | ||
| Q2 25 | $195.8M | $422.7M | ||
| Q1 25 | $274.8M | $390.9M | ||
| Q4 24 | $182.6M | $436.8M | ||
| Q3 24 | $179.5M | $422.8M | ||
| Q2 24 | $188.6M | $469.6M |
净利润CASHXPRO
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $5.8M | ||
| Q3 25 | $38.8M | $14.0M | ||
| Q2 25 | $42.1M | $18.0M | ||
| Q1 25 | $75.0M | $13.9M | ||
| Q4 24 | $30.0M | $23.0M | ||
| Q3 24 | $33.5M | $16.3M | ||
| Q2 24 | $44.9M | $15.3M |
营业利润率CASHXPRO
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 3.1% | ||
| Q3 25 | 25.9% | 6.4% | ||
| Q2 25 | 24.1% | 7.7% | ||
| Q1 25 | 33.2% | 2.6% | ||
| Q4 24 | 19.8% | 7.3% | ||
| Q3 24 | 20.9% | 6.2% | ||
| Q2 24 | 27.1% | 5.9% |
净利率CASHXPRO
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 1.5% | ||
| Q3 25 | 20.8% | 3.4% | ||
| Q2 25 | 21.5% | 4.3% | ||
| Q1 25 | 27.3% | 3.6% | ||
| Q4 24 | 16.4% | 5.3% | ||
| Q3 24 | 18.7% | 3.8% | ||
| Q2 24 | 23.8% | 3.3% |
每股收益（稀释后）CASHXPRO
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.05 | ||
| Q3 25 | $1.69 | $0.12 | ||
| Q2 25 | $1.81 | $0.16 | ||
| Q1 25 | $3.14 | $0.12 | ||
| Q4 24 | $1.23 | $0.20 | ||
| Q3 24 | $1.34 | $0.14 | ||
| Q2 24 | $1.78 | $0.13 |
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 | $196.1M |
| 总债务越低越好 | $59.5M | $79.1M |
| 股东权益账面价值 | $850.7M | $1.5B |
| 总资产 | $7.1B | $2.3B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资CASHXPRO
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $196.1M | ||
| Q3 25 | $120.6M | $197.9M | ||
| Q2 25 | $258.3M | $206.8M | ||
| Q1 25 | $254.2M | $179.3M | ||
| Q4 24 | $597.4M | $183.0M | ||
| Q3 24 | $158.3M | $165.7M | ||
| Q2 24 | $298.9M | $133.5M |
总债务CASHXPRO
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $79.1M | ||
| Q3 25 | $33.5M | $99.1M | ||
| Q2 25 | $33.4M | $121.1M | ||
| Q1 25 | $33.4M | $121.1M | ||
| Q4 24 | $33.4M | $121.1M | ||
| Q3 24 | $33.4M | $121.1M | ||
| Q2 24 | $33.3M | $121.1M |
股东权益CASHXPRO
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $1.5B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $819.0M | $1.5B | ||
| Q1 25 | $814.7M | $1.5B | ||
| Q4 24 | $758.3M | $1.5B | ||
| Q3 24 | $822.5M | $1.5B | ||
| Q2 24 | $748.4M | $1.5B |
总资产CASHXPRO
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.3B | ||
| Q3 25 | $7.2B | $2.3B | ||
| Q2 25 | $7.2B | $2.3B | ||
| Q1 25 | $7.0B | $2.3B | ||
| Q4 24 | $7.6B | $2.3B | ||
| Q3 24 | $7.5B | $2.3B | ||
| Q2 24 | $7.5B | $2.3B |
负债/权益比CASHXPRO
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.05× | ||
| Q3 25 | 0.04× | 0.07× | ||
| Q2 25 | 0.04× | 0.08× | ||
| Q1 25 | 0.04× | 0.08× | ||
| Q4 24 | 0.04× | 0.08× | ||
| Q3 24 | 0.04× | 0.08× | ||
| Q2 24 | 0.04× | 0.08× |
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 | — | $57.1M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 6.1% |
| 资本支出强度资本支出/营收 | — | 8.9% |
| 现金转化率经营现金流/净利润 | — | 9.89× |
| 过去12个月自由现金流最近4个季度 | — | $97.8M |
8季度趋势，按日历期对齐
经营现金流CASHXPRO
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $57.1M | ||
| Q3 25 | $303.7M | $63.2M | ||
| Q2 25 | $30.4M | $48.4M | ||
| Q1 25 | $188.3M | $41.5M | ||
| Q4 24 | $-71.7M | $97.4M | ||
| Q3 24 | $143.1M | $55.3M | ||
| Q2 24 | $113.2M | $-13.2M |
自由现金流CASHXPRO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $23.2M | ||
| Q3 25 | $300.3M | $39.0M | ||
| Q2 25 | $27.7M | $27.2M | ||
| Q1 25 | $184.7M | $8.4M | ||
| Q4 24 | $-73.8M | $53.0M | ||
| Q3 24 | $138.8M | $23.3M | ||
| Q2 24 | $111.0M | $-49.5M |
自由现金流率CASHXPRO
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 6.1% | ||
| Q3 25 | 160.9% | 9.5% | ||
| Q2 25 | 14.1% | 6.4% | ||
| Q1 25 | 67.2% | 2.1% | ||
| Q4 24 | -40.4% | 12.1% | ||
| Q3 24 | 77.3% | 5.5% | ||
| Q2 24 | 58.8% | -10.5% |
资本支出强度CASHXPRO
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 8.9% | ||
| Q3 25 | 1.8% | 5.9% | ||
| Q2 25 | 1.4% | 5.0% | ||
| Q1 25 | 1.3% | 8.5% | ||
| Q4 24 | 1.1% | 10.2% | ||
| Q3 24 | 2.4% | 7.6% | ||
| Q2 24 | 1.2% | 7.7% |
现金转化率CASHXPRO
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 9.89× | ||
| Q3 25 | 7.83× | 4.52× | ||
| Q2 25 | 0.72× | 2.69× | ||
| Q1 25 | 2.51× | 2.98× | ||
| Q4 24 | -2.39× | 4.23× | ||
| Q3 24 | 4.27× | 3.40× | ||
| Q2 24 | 2.52× | -0.86× |
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% |
XPRO
| NLA | $130.3M | 34% |
| ESSA | $116.3M | 30% |
| MENA | $93.0M | 24% |
| Other | $42.5M | 11% |
