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CASS INFORMATION SYSTEMS INC（CASS）与Ponce Financial Group, Inc.（PDLB）财务数据对比。点击上方公司名可切换其他公司
Ponce Financial Group, Inc.的季度营收约是CASS INFORMATION SYSTEMS INC的1.2倍（$31.4M vs $26.2M），Ponce Financial Group, Inc.净利率更高（36.3% vs 31.3%，领先5.0%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -1.3%），Ponce Financial Group, Inc.自由现金流更多（$54.6M vs $4.1M），过去两年Ponce Financial Group, Inc.的营收复合增速更高（23.7% vs -2.8%）
Cass信息系统公司是面向企业的专业财务自动化与信息管理解决方案提供商，核心业务包括货运付款处理、公用事业费用管理、商业支付服务及配套数据分析工具，帮助客户简化财务流程、降低运营成本、提升多品类支出透明度，助力更科学的商业决策。
庞塞金融集团是总部位于美国的金融控股公司，核心子公司为庞塞银行，主要服务纽约大都会区的多元文化、移民及中低收入社区，提供存款账户、按揭贷款、小微企业融资、个人信贷等零售及商业银行服务。
CASS vs PDLB — 直观对比
营收规模更大
PDLB
是对方的1.2倍
$26.2M
营收增速更快
PDLB
高出38.9%
-1.3%
净利率更高
PDLB
高出5.0%
31.3%
自由现金流更多
PDLB
多$50.5M
$4.1M
两年增速更快
PDLB
近两年复合增速
-2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $26.2M | $31.4M |
| 净利润 | $8.2M | $10.1M |
| 毛利率 | — | — |
| 营业利润率 | 38.1% | 43.6% |
| 净利率 | 31.3% | 36.3% |
| 营收同比 | -1.3% | 37.6% |
| 净利润同比 | 78.3% | 245.6% |
| 每股收益（稀释后） | $0.61 | $0.43 |
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CASSPDLB
| Q4 25 | $26.2M | $31.4M | ||
| Q3 25 | $27.4M | $26.7M | ||
| Q2 25 | $27.6M | $26.5M | ||
| Q1 25 | $26.8M | $24.6M | ||
| Q4 24 | $26.5M | $22.8M | ||
| Q3 24 | $28.1M | $20.2M | ||
| Q2 24 | $27.6M | $20.2M | ||
| Q1 24 | $27.7M | $20.5M |
净利润CASSPDLB
| Q4 25 | $8.2M | $10.1M | ||
| Q3 25 | $9.1M | $6.5M | ||
| Q2 25 | $8.9M | $6.1M | ||
| Q1 25 | $9.0M | $6.0M | ||
| Q4 24 | $4.6M | $2.9M | ||
| Q3 24 | $2.9M | $2.4M | ||
| Q2 24 | $4.5M | $3.2M | ||
| Q1 24 | $7.2M | $2.4M |
营业利润率CASSPDLB
| Q4 25 | 38.1% | 43.6% | ||
| Q3 25 | 42.3% | 32.8% | ||
| Q2 25 | 22.8% | 30.2% | ||
| Q1 25 | 40.6% | 32.5% | ||
| Q4 24 | 19.7% | 19.6% | ||
| Q3 24 | 13.4% | 15.2% | ||
| Q2 24 | 20.2% | 21.8% | ||
| Q1 24 | 32.1% | 18.3% |
净利率CASSPDLB
| Q4 25 | 31.3% | 36.3% | ||
| Q3 25 | 33.2% | 24.3% | ||
| Q2 25 | 32.1% | 23.0% | ||
| Q1 25 | 33.5% | 24.2% | ||
| Q4 24 | 17.3% | 14.1% | ||
| Q3 24 | 10.5% | 12.1% | ||
| Q2 24 | 16.2% | 15.8% | ||
| Q1 24 | 25.8% | 11.8% |
每股收益（稀释后）CASSPDLB
| Q4 25 | $0.61 | $0.43 | ||
| Q3 25 | $0.68 | $0.27 | ||
| Q2 25 | $0.66 | $0.25 | ||
| Q1 25 | $0.66 | $0.25 | ||
| Q4 24 | $0.34 | $0.11 | ||
| Q3 24 | $0.21 | $0.10 | ||
| Q2 24 | $0.32 | $0.14 | ||
| Q1 24 | $0.52 | $0.11 |
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 | $758.4M | $126.2M |
| 总债务越低越好 | — | $596.1M |
| 股东权益账面价值 | $243.0M | $541.5M |
| 总资产 | $2.6B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资CASSPDLB
| Q4 25 | $758.4M | $126.2M | ||
| Q3 25 | $486.6M | $146.6M | ||
| Q2 25 | $431.2M | $126.6M | ||
| Q1 25 | $428.9M | $129.9M | ||
| Q4 24 | $680.1M | $139.8M | ||
| Q3 24 | $432.0M | $155.8M | ||
| Q2 24 | $441.7M | $103.2M | ||
| Q1 24 | $368.3M | $134.7M |
总债务CASSPDLB
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
股东权益CASSPDLB
| Q4 25 | $243.0M | $541.5M | ||
| Q3 25 | $243.4M | $529.8M | ||
| Q2 25 | $240.8M | $521.1M | ||
| Q1 25 | $234.2M | $513.9M | ||
| Q4 24 | $229.0M | $505.5M | ||
| Q3 24 | $237.6M | $504.6M | ||
| Q2 24 | $229.9M | $497.7M | ||
| Q1 24 | $229.5M | $493.7M |
总资产CASSPDLB
| Q4 25 | $2.6B | $3.2B | ||
| Q3 25 | $2.5B | $3.2B | ||
| Q2 25 | $2.3B | $3.2B | ||
| Q1 25 | $2.3B | $3.1B | ||
| Q4 24 | $2.4B | $3.0B | ||
| Q3 24 | $2.3B | $3.0B | ||
| Q2 24 | $2.3B | $2.8B | ||
| Q1 24 | $2.3B | $2.8B |
负债/权益比CASSPDLB
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | — | 1.15× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 1.38× |
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 | $4.8M | $55.6M |
| 自由现金流经营现金流 - 资本支出 | $4.1M | $54.6M |
| 自由现金流率自由现金流/营收 | 15.8% | 173.9% |
| 资本支出强度资本支出/营收 | 2.7% | 3.1% |
| 现金转化率经营现金流/净利润 | 0.59× | 5.48× |
| 过去12个月自由现金流最近4个季度 | $31.8M | $74.3M |
8季度趋势，按日历期对齐
经营现金流CASSPDLB
| Q4 25 | $4.8M | $55.6M | ||
| Q3 25 | $12.3M | $1.4M | ||
| Q2 25 | $-1.3M | $6.2M | ||
| Q1 25 | $21.6M | $13.1M | ||
| Q4 24 | $18.6M | $7.2M | ||
| Q3 24 | $-198.0K | $-14.6M | ||
| Q2 24 | $10.7M | $-2.6M | ||
| Q1 24 | $9.8M | $1.5M |
自由现金流CASSPDLB
| Q4 25 | $4.1M | $54.6M | ||
| Q3 25 | $11.3M | $786.0K | ||
| Q2 25 | $-2.6M | $5.9M | ||
| Q1 25 | $19.0M | $12.9M | ||
| Q4 24 | $18.4M | $4.5M | ||
| Q3 24 | $-2.2M | $-15.0M | ||
| Q2 24 | $7.9M | $-2.6M | ||
| Q1 24 | $6.3M | $-315.0K |
自由现金流率CASSPDLB
| Q4 25 | 15.8% | 173.9% | ||
| Q3 25 | 41.1% | 2.9% | ||
| Q2 25 | -9.5% | 22.4% | ||
| Q1 25 | 71.0% | 52.6% | ||
| Q4 24 | 69.5% | 19.7% | ||
| Q3 24 | -8.0% | -74.1% | ||
| Q2 24 | 28.6% | -13.0% | ||
| Q1 24 | 22.9% | -1.5% |
资本支出强度CASSPDLB
| Q4 25 | 2.7% | 3.1% | ||
| Q3 25 | 3.8% | 2.3% | ||
| Q2 25 | 4.9% | 1.0% | ||
| Q1 25 | 9.6% | 0.6% | ||
| Q4 24 | 0.7% | 11.9% | ||
| Q3 24 | 7.2% | 2.0% | ||
| Q2 24 | 10.1% | 0.3% | ||
| Q1 24 | 12.6% | 8.7% |
现金转化率CASSPDLB
| Q4 25 | 0.59× | 5.48× | ||
| Q3 25 | 1.35× | 0.21× | ||
| Q2 25 | -0.15× | 1.01× | ||
| Q1 25 | 2.41× | 2.20× | ||
| Q4 24 | 4.06× | 2.46× | ||
| Q3 24 | -0.07× | -5.99× | ||
| Q2 24 | 2.38× | -0.80× | ||
| Q1 24 | 1.37× | 0.61× |
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
CASS
| Processing Fees | $15.9M | 61% |
| Financial Fees | $9.9M | 38% |
PDLB
暂无分部数据
