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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and CATHAY GENERAL BANCORP (CATY). Click either name above to swap in a different company.
CATHAY GENERAL BANCORP is the larger business by last-quarter revenue ($222.8M vs $183.6M, roughly 1.2× ACV Auctions Inc.). On growth, CATHAY GENERAL BANCORP posted the faster year-over-year revenue change (19.5% vs 15.1%). CATHAY GENERAL BANCORP produced more free cash flow last quarter ($363.7M vs $-14.7M). Over the past eight quarters, CATHAY GENERAL BANCORP's revenue compounded faster (12.8% CAGR vs 12.3%).
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.
Cathay General Bancorp is a U.S.-headquartered bank holding company that operates Cathay Bank, offering full-spectrum commercial and personal banking services. It primarily serves Asian American communities and small-to-medium enterprises across major U.S. states including California, New York and Texas, as well as select Asian markets, with products covering deposits, loans, and wealth management solutions.
ACVA vs CATY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $222.8M |
| Net Profit | — | $90.5M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 50.9% |
| Net Margin | — | 653.4% |
| Revenue YoY | 15.1% | 19.5% |
| Net Profit YoY | — | 12.9% |
| EPS (diluted) | $-0.12 | $1.33 |
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.
| Q4 25 | $183.6M | $222.8M | ||
| Q3 25 | $199.6M | $210.6M | ||
| Q2 25 | $193.7M | $196.6M | ||
| Q1 25 | $182.7M | $187.8M | ||
| Q4 24 | $159.5M | $186.5M | ||
| Q3 24 | $171.3M | $189.5M | ||
| Q2 24 | $160.6M | $178.5M | ||
| Q1 24 | $145.7M | $175.2M |
| Q4 25 | — | $90.5M | ||
| Q3 25 | $-24.5M | $77.7M | ||
| Q2 25 | $-7.3M | $77.5M | ||
| Q1 25 | $-14.8M | $69.5M | ||
| Q4 24 | — | $80.2M | ||
| Q3 24 | $-16.0M | $67.5M | ||
| Q2 24 | $-17.1M | $66.8M | ||
| Q1 24 | $-20.5M | $71.4M |
| Q4 25 | -9.7% | 50.9% | ||
| Q3 25 | -11.9% | 44.5% | ||
| Q2 25 | -3.7% | 49.0% | ||
| Q1 25 | -7.9% | 46.1% | ||
| Q4 24 | -16.2% | 46.5% | ||
| Q3 24 | -10.0% | 41.2% | ||
| Q2 24 | -11.6% | 40.7% | ||
| Q1 24 | -15.5% | 45.7% |
| Q4 25 | — | 653.4% | ||
| Q3 25 | -12.3% | 36.9% | ||
| Q2 25 | -3.8% | 39.4% | ||
| Q1 25 | -8.1% | 37.0% | ||
| Q4 24 | — | 587.9% | ||
| Q3 24 | -9.4% | 35.6% | ||
| Q2 24 | -10.6% | 37.4% | ||
| Q1 24 | -14.1% | 40.8% |
| Q4 25 | $-0.12 | $1.33 | ||
| Q3 25 | $-0.14 | $1.13 | ||
| Q2 25 | $-0.04 | $1.10 | ||
| Q1 25 | $-0.09 | $0.98 | ||
| Q4 24 | $-0.15 | $1.11 | ||
| Q3 24 | $-0.10 | $0.94 | ||
| Q2 24 | $-0.10 | $0.92 | ||
| Q1 24 | $-0.13 | $0.98 |
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 | — |
| Total DebtLower is stronger | — | $119.1M |
| Stockholders' EquityBook value | $429.7M | $2.9B |
| Total Assets | $1.1B | $24.2B |
| Debt / EquityLower = less leverage | — | 0.04× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | — | ||
| Q3 25 | $265.3M | — | ||
| Q2 25 | $258.4M | — | ||
| Q1 25 | $291.9M | — | ||
| Q4 24 | $224.1M | — | ||
| Q3 24 | $252.5M | — | ||
| Q2 24 | $215.0M | — | ||
| Q1 24 | $209.8M | — |
| Q4 25 | — | $119.1M | ||
| Q3 25 | — | $119.1M | ||
| Q2 25 | — | $119.1M | ||
| Q1 25 | — | $119.1M | ||
| Q4 24 | — | $119.1M | ||
| Q3 24 | — | $119.1M | ||
| Q2 24 | — | $119.1M | ||
| Q1 24 | — | $119.1M |
| Q4 25 | $429.7M | $2.9B | ||
| Q3 25 | $434.4M | $2.9B | ||
| Q2 25 | $448.8M | $2.9B | ||
| Q1 25 | $439.6M | $2.9B | ||
| Q4 24 | $440.0M | $2.8B | ||
| Q3 24 | $456.2M | $2.8B | ||
| Q2 24 | $457.6M | $2.8B | ||
| Q1 24 | $458.3M | $2.8B |
| Q4 25 | $1.1B | $24.2B | ||
| Q3 25 | $1.2B | $24.1B | ||
| Q2 25 | $1.1B | $23.7B | ||
| Q1 25 | $1.2B | $23.2B | ||
| Q4 24 | $984.1M | $23.1B | ||
| Q3 24 | $1.0B | $23.3B | ||
| Q2 24 | $1.0B | $23.2B | ||
| Q1 24 | $1.0B | $23.4B |
| 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× | ||
| Q1 24 | — | 0.04× |
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 | $368.6M |
| Free Cash FlowOCF − Capex | $-14.7M | $363.7M |
| FCF MarginFCF / Revenue | -8.0% | 163.2% |
| Capex IntensityCapex / Revenue | 1.2% | 2.2% |
| Cash ConversionOCF / Net Profit | — | 4.07× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | $672.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $368.6M | ||
| Q3 25 | $10.3M | $150.6M | ||
| Q2 25 | $13.7M | $64.0M | ||
| Q1 25 | $66.6M | $99.0M | ||
| Q4 24 | $-3.2M | $329.2M | ||
| Q3 24 | $21.1M | $81.2M | ||
| Q2 24 | $4.5M | $72.9M | ||
| Q1 24 | $43.0M | $88.2M |
| Q4 25 | $-14.7M | $363.7M | ||
| Q3 25 | $7.7M | $150.1M | ||
| Q2 25 | $10.9M | $62.7M | ||
| Q1 25 | $65.3M | $96.3M | ||
| Q4 24 | $-3.9M | $325.5M | ||
| Q3 24 | $20.2M | $80.0M | ||
| Q2 24 | $2.7M | $72.4M | ||
| Q1 24 | $41.9M | $87.3M |
| Q4 25 | -8.0% | 163.2% | ||
| Q3 25 | 3.8% | 71.3% | ||
| Q2 25 | 5.6% | 31.9% | ||
| Q1 25 | 35.7% | 51.2% | ||
| Q4 24 | -2.5% | 174.6% | ||
| Q3 24 | 11.8% | 42.2% | ||
| Q2 24 | 1.7% | 40.5% | ||
| Q1 24 | 28.8% | 49.8% |
| Q4 25 | 1.2% | 2.2% | ||
| Q3 25 | 1.3% | 0.2% | ||
| Q2 25 | 1.5% | 0.6% | ||
| Q1 25 | 0.7% | 1.4% | ||
| Q4 24 | 0.4% | 1.9% | ||
| Q3 24 | 0.6% | 0.6% | ||
| Q2 24 | 1.1% | 0.3% | ||
| Q1 24 | 0.7% | 0.5% |
| Q4 25 | — | 4.07× | ||
| Q3 25 | — | 1.94× | ||
| Q2 25 | — | 0.83× | ||
| Q1 25 | — | 1.42× | ||
| Q4 24 | — | 4.10× | ||
| Q3 24 | — | 1.20× | ||
| Q2 24 | — | 1.09× | ||
| Q1 24 | — | 1.23× |
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% |
CATY
Segment breakdown not available.
