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CANTALOUPE, INC.（CTLP）与合众银行（WASH）财务数据对比。点击上方公司名可切换其他公司
CANTALOUPE, INC.的季度营收约是合众银行的1.4倍（$78.7M vs $57.8M），合众银行净利率更高（21.8% vs -0.1%，领先21.9%），过去两年合众银行的营收复合增速更高（9.5% vs 7.7%）
坎塔卢波（原美国技术公司）是一家美国科技企业，核心业务为ePort无现金支付受理技术，依托持专利的PCI合规ePort Connect服务开展运营。该服务可通过无线方式为消费者提供信用卡、借记卡以及Apple Pay、Google Pay等NFC钱包支付选项，同时为运营商提供遥测与机器间通信服务，ePort技术主要应用于...
美国合众银行是一家美国跨国金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年，该银行为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构。它主营银行、投资、抵押贷款等多元金融业务。
CTLP vs WASH — 直观对比
营收规模更大
CTLP
是对方的1.4倍
$57.8M
净利率更高
WASH
高出21.9%
-0.1%
两年增速更快
WASH
近两年复合增速
7.7%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $78.7M | $57.8M |
| 净利润 | $-70.0K | $12.6M |
| 毛利率 | — | — |
| 营业利润率 | 2.0% | — |
| 净利率 | -0.1% | 21.8% |
| 营收同比 | 6.8% | — |
| 净利润同比 | -101.4% | 3.5% |
| 每股收益（稀释后） | $0.00 | $0.66 |
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CTLPWASH
| Q1 26 | — | $57.8M | ||
| Q4 25 | $78.7M | $59.3M | ||
| Q3 25 | $80.9M | $56.5M | ||
| Q2 25 | $82.6M | $54.3M | ||
| Q1 25 | $75.4M | $59.1M | ||
| Q4 24 | $73.7M | $12.4M | ||
| Q3 24 | $70.8M | $48.5M | ||
| Q2 24 | $72.7M | $48.2M |
净利润CTLPWASH
| Q1 26 | — | $12.6M | ||
| Q4 25 | $-70.0K | $16.0M | ||
| Q3 25 | $-919.0K | $10.8M | ||
| Q2 25 | $6.8M | $13.2M | ||
| Q1 25 | $49.2M | $12.2M | ||
| Q4 24 | $5.0M | $-60.8M | ||
| Q3 24 | $3.6M | $11.0M | ||
| Q2 24 | $2.2M | $10.8M |
营业利润率CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 34.9% | ||
| Q3 25 | 2.0% | 24.7% | ||
| Q2 25 | 6.3% | 31.6% | ||
| Q1 25 | 9.1% | 26.5% | ||
| Q4 24 | 8.4% | -648.7% | ||
| Q3 24 | 5.8% | 28.5% | ||
| Q2 24 | 4.9% | 28.7% |
净利率CTLPWASH
| Q1 26 | — | 21.8% | ||
| Q4 25 | -0.1% | 27.0% | ||
| Q3 25 | -1.1% | 19.2% | ||
| Q2 25 | 8.3% | 24.4% | ||
| Q1 25 | 65.2% | 20.6% | ||
| Q4 24 | 6.7% | -491.4% | ||
| Q3 24 | 5.0% | 22.6% | ||
| Q2 24 | 3.0% | 22.4% |
每股收益（稀释后）CTLPWASH
| Q1 26 | — | $0.66 | ||
| Q4 25 | $0.00 | $0.84 | ||
| Q3 25 | $-0.02 | $0.56 | ||
| Q2 25 | $0.10 | $0.68 | ||
| Q1 25 | $0.65 | $0.63 | ||
| Q4 24 | $0.07 | $-3.54 | ||
| Q3 24 | $0.04 | $0.64 | ||
| Q2 24 | $0.03 | $0.63 |
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 | $53.0M | $12.3M |
| 总债务越低越好 | $37.7M | — |
| 股东权益账面价值 | $252.5M | $546.8M |
| 总资产 | $381.9M | $6.5B |
| 负债/权益比越低杠杆越低 | 0.15× | — |
8季度趋势，按日历期对齐
现金及短期投资CTLPWASH
| Q1 26 | — | $12.3M | ||
| Q4 25 | $53.0M | — | ||
| Q3 25 | $55.0M | — | ||
| Q2 25 | $51.1M | — | ||
| Q1 25 | $46.3M | — | ||
| Q4 24 | $27.7M | — | ||
| Q3 24 | $33.1M | — | ||
| Q2 24 | $58.9M | — |
总债务CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | $37.7M | — | ||
| Q3 25 | $38.3M | — | ||
| Q2 25 | $38.7M | — | ||
| Q1 25 | $39.2M | — | ||
| Q4 24 | $37.0M | — | ||
| Q3 24 | $37.3M | — | ||
| Q2 24 | $37.5M | — |
股东权益CTLPWASH
| Q1 26 | — | $546.8M | ||
| Q4 25 | $252.5M | $543.6M | ||
| Q3 25 | $251.8M | $533.0M | ||
| Q2 25 | $251.0M | $527.5M | ||
| Q1 25 | $240.7M | $521.7M | ||
| Q4 24 | $190.1M | $499.7M | ||
| Q3 24 | $186.2M | $502.2M | ||
| Q2 24 | $181.7M | $471.0M |
总资产CTLPWASH
| Q1 26 | — | $6.5B | ||
| Q4 25 | $381.9M | $6.6B | ||
| Q3 25 | $389.5M | $6.7B | ||
| Q2 25 | $381.9M | $6.7B | ||
| Q1 25 | $370.5M | $6.6B | ||
| Q4 24 | $303.0M | $6.9B | ||
| Q3 24 | $312.1M | $7.1B | ||
| Q2 24 | $335.6M | $7.2B |
负债/权益比CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.15× | — | ||
| Q1 25 | 0.16× | — | ||
| Q4 24 | 0.19× | — | ||
| Q3 24 | 0.20× | — | ||
| Q2 24 | 0.21× | — |
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 | $3.1M | — |
| 自由现金流经营现金流 - 资本支出 | $-614.0K | — |
| 自由现金流率自由现金流/营收 | -0.8% | — |
| 资本支出强度资本支出/营收 | 4.8% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $25.8M | — |
8季度趋势，按日历期对齐
经营现金流CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | $3.1M | $80.3M | ||
| Q3 25 | $7.0M | $39.6M | ||
| Q2 25 | $9.4M | $11.3M | ||
| Q1 25 | $22.4M | $8.4M | ||
| Q4 24 | $522.0K | $57.7M | ||
| Q3 24 | $-12.0M | $25.7M | ||
| Q2 24 | $14.3M | $11.2M |
自由现金流CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | $-614.0K | $78.3M | ||
| Q3 25 | $3.5M | $39.3M | ||
| Q2 25 | $4.3M | $10.9M | ||
| Q1 25 | $18.6M | $8.4M | ||
| Q4 24 | $-3.8M | $53.7M | ||
| Q3 24 | $-15.8M | $24.4M | ||
| Q2 24 | $8.5M | $9.6M |
自由现金流率CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | -0.8% | 132.2% | ||
| Q3 25 | 4.4% | 69.6% | ||
| Q2 25 | 5.3% | 20.2% | ||
| Q1 25 | 24.6% | 14.2% | ||
| Q4 24 | -5.1% | 433.8% | ||
| Q3 24 | -22.3% | 50.4% | ||
| Q2 24 | 11.7% | 19.8% |
资本支出强度CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | 4.8% | 3.4% | ||
| Q3 25 | 4.2% | 0.6% | ||
| Q2 25 | 6.2% | 0.7% | ||
| Q1 25 | 5.1% | 0.1% | ||
| Q4 24 | 5.8% | 32.3% | ||
| Q3 24 | 5.4% | 2.6% | ||
| Q2 24 | 7.9% | 3.4% |
现金转化率CTLPWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 5.03× | ||
| Q3 25 | — | 3.65× | ||
| Q2 25 | 1.38× | 0.86× | ||
| Q1 25 | 0.46× | 0.69× | ||
| Q4 24 | 0.10× | — | ||
| Q3 24 | -3.36× | 2.34× | ||
| Q2 24 | 6.47× | 1.03× |
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
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
WASH
| Net Interest Income | $40.5M | 70% |
| Noninterest Income | $17.3M | 30% |
