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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and BYLINE BANCORP, INC. (BY). Click either name above to swap in a different company.
ACV Auctions Inc. is the larger business by last-quarter revenue ($183.6M vs $112.4M, roughly 1.6× BYLINE BANCORP, INC.). On growth, ACV Auctions Inc. posted the faster year-over-year revenue change (15.1% vs 9.0%). Over the past eight quarters, ACV Auctions Inc.'s revenue compounded faster (12.3% CAGR vs 6.4%).
ACV Auctions Inc.ACVAEarnings & Financial Report
ACV Auctions Inc. operates a leading digital wholesale vehicle auction platform serving automotive dealers across the U.S. and Canada. It offers end-to-end services including transparent vehicle inspections, secure payment processing, and logistics support, enabling efficient trading of used vehicles between registered wholesale buyers and sellers.
Byline Bank is a bank headquartered in Chicago, Illinois, United States. It is the primary subsidiary of Byline Bancorp, Inc., a bank holding company, and the 4th largest SBA 7(a) lender.
ACVA vs BY — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $112.4M |
| Net Profit | — | $37.6M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | — |
| Net Margin | — | 33.4% |
| Revenue YoY | 15.1% | 9.0% |
| Net Profit YoY | — | 33.0% |
| EPS (diluted) | $-0.12 | $0.83 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $112.4M | ||
| Q4 25 | $183.6M | $117.0M | ||
| Q3 25 | $199.6M | $115.7M | ||
| Q2 25 | $193.7M | $110.5M | ||
| Q1 25 | $182.7M | $103.1M | ||
| Q4 24 | $159.5M | $104.7M | ||
| Q3 24 | $171.3M | $101.8M | ||
| Q2 24 | $160.6M | $99.4M |
| Q1 26 | — | $37.6M | ||
| Q4 25 | — | $34.5M | ||
| Q3 25 | $-24.5M | $37.2M | ||
| Q2 25 | $-7.3M | $30.1M | ||
| Q1 25 | $-14.8M | $28.2M | ||
| Q4 24 | — | $30.3M | ||
| Q3 24 | $-16.0M | $30.3M | ||
| Q2 24 | $-17.1M | $29.7M |
| Q1 26 | — | — | ||
| Q4 25 | -9.7% | 40.1% | ||
| Q3 25 | -11.9% | 43.1% | ||
| Q2 25 | -3.7% | 35.2% | ||
| Q1 25 | -7.9% | 36.4% | ||
| Q4 24 | -16.2% | 38.6% | ||
| Q3 24 | -10.0% | 39.3% | ||
| Q2 24 | -11.6% | 40.4% |
| Q1 26 | — | 33.4% | ||
| Q4 25 | — | 34.1% | ||
| Q3 25 | -12.3% | 32.1% | ||
| Q2 25 | -3.8% | 27.2% | ||
| Q1 25 | -8.1% | 27.4% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | -9.4% | 29.8% | ||
| Q2 24 | -10.6% | 29.9% |
| Q1 26 | — | $0.83 | ||
| Q4 25 | $-0.12 | $0.77 | ||
| Q3 25 | $-0.14 | $0.82 | ||
| Q2 25 | $-0.04 | $0.66 | ||
| Q1 25 | $-0.09 | $0.64 | ||
| Q4 24 | $-0.15 | $0.68 | ||
| Q3 24 | $-0.10 | $0.69 | ||
| Q2 24 | $-0.10 | $0.68 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $271.5M | $198.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $1.3B |
| Total Assets | $1.1B | $9.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $198.4M | ||
| Q4 25 | $271.5M | $149.1M | ||
| Q3 25 | $265.3M | $259.0M | ||
| Q2 25 | $258.4M | $218.3M | ||
| Q1 25 | $291.9M | $421.3M | ||
| Q4 24 | $224.1M | $563.1M | ||
| Q3 24 | $252.5M | $452.6M | ||
| Q2 24 | $215.0M | $730.5M |
| Q1 26 | — | $1.3B | ||
| Q4 25 | $429.7M | $1.3B | ||
| Q3 25 | $434.4M | $1.2B | ||
| Q2 25 | $448.8M | $1.2B | ||
| Q1 25 | $439.6M | $1.1B | ||
| Q4 24 | $440.0M | $1.1B | ||
| Q3 24 | $456.2M | $1.1B | ||
| Q2 24 | $457.6M | $1.0B |
| Q1 26 | — | $9.9B | ||
| Q4 25 | $1.1B | $9.7B | ||
| Q3 25 | $1.2B | $9.8B | ||
| Q2 25 | $1.1B | $9.7B | ||
| Q1 25 | $1.2B | $9.6B | ||
| Q4 24 | $984.1M | $9.5B | ||
| Q3 24 | $1.0B | $9.4B | ||
| Q2 24 | $1.0B | $9.6B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-12.4M | — |
| Free Cash FlowOCF − Capex | $-14.7M | — |
| FCF MarginFCF / Revenue | -8.0% | — |
| Capex IntensityCapex / Revenue | 1.2% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-12.4M | $140.3M | ||
| Q3 25 | $10.3M | $38.3M | ||
| Q2 25 | $13.7M | $16.3M | ||
| Q1 25 | $66.6M | $27.1M | ||
| Q4 24 | $-3.2M | $175.2M | ||
| Q3 24 | $21.1M | $19.8M | ||
| Q2 24 | $4.5M | $40.1M |
| Q1 26 | — | — | ||
| Q4 25 | $-14.7M | $136.3M | ||
| Q3 25 | $7.7M | $38.0M | ||
| Q2 25 | $10.9M | $15.2M | ||
| Q1 25 | $65.3M | $25.0M | ||
| Q4 24 | $-3.9M | $171.2M | ||
| Q3 24 | $20.2M | $19.1M | ||
| Q2 24 | $2.7M | $39.4M |
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 116.5% | ||
| Q3 25 | 3.8% | 32.8% | ||
| Q2 25 | 5.6% | 13.7% | ||
| Q1 25 | 35.7% | 24.3% | ||
| Q4 24 | -2.5% | 163.5% | ||
| Q3 24 | 11.8% | 18.8% | ||
| Q2 24 | 1.7% | 39.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 3.4% | ||
| Q3 25 | 1.3% | 0.3% | ||
| Q2 25 | 1.5% | 1.0% | ||
| Q1 25 | 0.7% | 2.0% | ||
| Q4 24 | 0.4% | 3.8% | ||
| Q3 24 | 0.6% | 0.6% | ||
| Q2 24 | 1.1% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.06× | ||
| Q3 25 | — | 1.03× | ||
| Q2 25 | — | 0.54× | ||
| Q1 25 | — | 0.96× | ||
| Q4 24 | — | 5.78× | ||
| Q3 24 | — | 0.65× | ||
| Q2 24 | — | 1.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACVA
| Auction Marketplace Revenue | $77.6M | 42% |
| Other Marketplace Revenue | $72.4M | 39% |
| Customer Assurance | $24.1M | 13% |
| Data Services Revenue | $9.4M | 5% |
BY
Segment breakdown not available.
