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PATHWARD FINANCIAL, INC.（CASH）与Clear Secure, Inc.（YOU）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Clear Secure, Inc.的1.1倍（$276.3M vs $240.8M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 12.8%，领先13.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 16.0%）
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。
Clear Secure, Inc.是美国一家科技企业，主营生物识别旅行证件核验系统，其服务已覆盖部分大型机场与体育场馆。公司成立于2003年，2009年申请破产后停运，2012年重启运营，最终于2021年成功上市。
CASH vs YOU — 直观对比
营收规模更大
CASH
是对方的1.1倍
$240.8M
净利率更高
CASH
高出13.6%
12.8%
两年增速更快
CASH
近两年复合增速
16.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $240.8M |
| 净利润 | $72.9M | $30.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 22.4% |
| 净利率 | 26.4% | 12.8% |
| 营收同比 | — | 16.7% |
| 净利润同比 | — | -70.2% |
| 每股收益（稀释后） | $3.35 | — |
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CASHYOU
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $240.8M | ||
| Q3 25 | $186.7M | $229.2M | ||
| Q2 25 | $195.8M | $219.5M | ||
| Q1 25 | $274.8M | $211.4M | ||
| Q4 24 | $182.6M | $206.3M | ||
| Q3 24 | $179.5M | $198.4M | ||
| Q2 24 | $188.6M | $186.7M |
净利润CASHYOU
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $30.8M | ||
| Q3 25 | $38.8M | $28.3M | ||
| Q2 25 | $42.1M | $24.7M | ||
| Q1 25 | $75.0M | $25.4M | ||
| Q4 24 | $30.0M | $103.3M | ||
| Q3 24 | $33.5M | $23.5M | ||
| Q2 24 | $44.9M | $24.1M |
营业利润率CASHYOU
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 22.4% | ||
| Q3 25 | 25.9% | 23.0% | ||
| Q2 25 | 24.1% | 19.4% | ||
| Q1 25 | 33.2% | 17.7% | ||
| Q4 24 | 19.8% | 16.5% | ||
| Q3 24 | 20.9% | 17.7% | ||
| Q2 24 | 27.1% | 16.2% |
净利率CASHYOU
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 12.8% | ||
| Q3 25 | 20.8% | 12.3% | ||
| Q2 25 | 21.5% | 11.3% | ||
| Q1 25 | 27.3% | 12.0% | ||
| Q4 24 | 16.4% | 50.1% | ||
| Q3 24 | 18.7% | 11.8% | ||
| Q2 24 | 23.8% | 12.9% |
每股收益（稀释后）CASHYOU
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | — | ||
| Q3 25 | $1.69 | — | ||
| Q2 25 | $1.81 | — | ||
| Q1 25 | $3.14 | — | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.78 | — |
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 | $85.7M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $177.7M |
| 总资产 | $7.1B | $1.3B |
| 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CASHYOU
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $85.7M | ||
| Q3 25 | $120.6M | $75.8M | ||
| Q2 25 | $258.3M | $89.3M | ||
| Q1 25 | $254.2M | $87.6M | ||
| Q4 24 | $597.4M | $66.9M | ||
| Q3 24 | $158.3M | $32.9M | ||
| Q2 24 | $298.9M | $39.1M |
总债务CASHYOU
| 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CASHYOU
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $177.7M | ||
| Q3 25 | $858.0M | $148.6M | ||
| Q2 25 | $819.0M | $121.3M | ||
| Q1 25 | $814.7M | $116.7M | ||
| Q4 24 | $758.3M | $198.4M | ||
| Q3 24 | $822.5M | $129.0M | ||
| Q2 24 | $748.4M | $153.5M |
总资产CASHYOU
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $1.3B | ||
| Q3 25 | $7.2B | $1.1B | ||
| Q2 25 | $7.2B | $1.2B | ||
| Q1 25 | $7.0B | $1.1B | ||
| Q4 24 | $7.6B | $1.2B | ||
| Q3 24 | $7.5B | $858.6M | ||
| Q2 24 | $7.5B | $982.4M |
负债/权益比CASHYOU
| 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 | — | $198.4M |
| 自由现金流经营现金流 - 资本支出 | — | $187.4M |
| 自由现金流率自由现金流/营收 | — | 77.8% |
| 资本支出强度资本支出/营收 | — | 4.6% |
| 现金转化率经营现金流/净利润 | — | 6.45× |
| 过去12个月自由现金流最近4个季度 | — | $343.1M |
8季度趋势，按日历期对齐
经营现金流CASHYOU
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $198.4M | ||
| Q3 25 | $303.7M | $-47.3M | ||
| Q2 25 | $30.4M | $123.0M | ||
| Q1 25 | $188.3M | $98.3M | ||
| Q4 24 | $-71.7M | $136.6M | ||
| Q3 24 | $143.1M | $-35.9M | ||
| Q2 24 | $113.2M | $114.6M |
自由现金流CASHYOU
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $187.4M | ||
| Q3 25 | $300.3M | $-53.5M | ||
| Q2 25 | $27.7M | $117.9M | ||
| Q1 25 | $184.7M | $91.3M | ||
| Q4 24 | $-73.8M | $133.9M | ||
| Q3 24 | $138.8M | $-37.9M | ||
| Q2 24 | $111.0M | $110.1M |
自由现金流率CASHYOU
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 77.8% | ||
| Q3 25 | 160.9% | -23.3% | ||
| Q2 25 | 14.1% | 53.7% | ||
| Q1 25 | 67.2% | 43.2% | ||
| Q4 24 | -40.4% | 64.9% | ||
| Q3 24 | 77.3% | -19.1% | ||
| Q2 24 | 58.8% | 59.0% |
资本支出强度CASHYOU
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 4.6% | ||
| Q3 25 | 1.8% | 2.7% | ||
| Q2 25 | 1.4% | 2.3% | ||
| Q1 25 | 1.3% | 3.4% | ||
| Q4 24 | 1.1% | 1.3% | ||
| Q3 24 | 2.4% | 1.0% | ||
| Q2 24 | 1.2% | 2.4% |
现金转化率CASHYOU
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 6.45× | ||
| Q3 25 | 7.83× | -1.67× | ||
| Q2 25 | 0.72× | 4.97× | ||
| Q1 25 | 2.51× | 3.87× | ||
| Q4 24 | -2.39× | 1.32× | ||
| Q3 24 | 4.27× | -1.53× | ||
| Q2 24 | 2.52× | 4.75× |
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% |
YOU
暂无分部数据
