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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and FIRST COMMONWEALTH FINANCIAL CORP (FCF). Click either name above to swap in a different company.
ACV Auctions Inc. is the larger business by last-quarter revenue ($183.6M vs $133.7M, roughly 1.4× FIRST COMMONWEALTH FINANCIAL CORP). On growth, ACV Auctions Inc. posted the faster year-over-year revenue change (15.1% vs 13.0%). Over the past eight quarters, ACV Auctions Inc.'s revenue compounded faster (12.3% CAGR vs 5.5%).
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.
First Commonwealth Financial Corp is a Pennsylvania-based regional financial services holding company. It offers consumer and commercial banking products, loans, wealth management, and insurance services for individuals, small and mid-sized enterprises across central and western Pennsylvania and Ohio.
ACVA vs FCF — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $133.7M |
| Net Profit | — | $37.5M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | — |
| Net Margin | — | 28.1% |
| Revenue YoY | 15.1% | 13.0% |
| Net Profit YoY | — | -16.3% |
| EPS (diluted) | $-0.12 | $0.37 |
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 | — | $133.7M | ||
| Q4 25 | $183.6M | $137.9M | ||
| Q3 25 | $199.6M | $136.0M | ||
| Q2 25 | $193.7M | $131.0M | ||
| Q1 25 | $182.7M | $118.0M | ||
| Q4 24 | $159.5M | $120.4M | ||
| Q3 24 | $171.3M | $121.2M | ||
| Q2 24 | $160.6M | $120.2M |
| Q1 26 | — | $37.5M | ||
| Q4 25 | — | $44.9M | ||
| Q3 25 | $-24.5M | $41.3M | ||
| Q2 25 | $-7.3M | $33.4M | ||
| Q1 25 | $-14.8M | $32.7M | ||
| Q4 24 | — | $35.8M | ||
| Q3 24 | $-16.0M | $32.1M | ||
| Q2 24 | $-17.1M | $37.1M |
| Q1 26 | — | — | ||
| Q4 25 | -9.7% | 40.9% | ||
| Q3 25 | -11.9% | 38.1% | ||
| Q2 25 | -3.7% | 32.1% | ||
| Q1 25 | -7.9% | 34.8% | ||
| Q4 24 | -16.2% | 37.1% | ||
| Q3 24 | -10.0% | 33.4% | ||
| Q2 24 | -11.6% | 38.7% |
| Q1 26 | — | 28.1% | ||
| Q4 25 | — | 32.5% | ||
| Q3 25 | -12.3% | 30.4% | ||
| Q2 25 | -3.8% | 25.5% | ||
| Q1 25 | -8.1% | 27.7% | ||
| Q4 24 | — | 29.8% | ||
| Q3 24 | -9.4% | 26.5% | ||
| Q2 24 | -10.6% | 30.9% |
| Q1 26 | — | $0.37 | ||
| Q4 25 | $-0.12 | $0.44 | ||
| Q3 25 | $-0.14 | $0.39 | ||
| Q2 25 | $-0.04 | $0.32 | ||
| Q1 25 | $-0.09 | $0.32 | ||
| Q4 24 | $-0.15 | $0.35 | ||
| Q3 24 | $-0.10 | $0.31 | ||
| Q2 24 | $-0.10 | $0.36 |
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 | — | $154.9M |
| Stockholders' EquityBook value | $429.7M | $1.6B |
| Total Assets | $1.1B | $12.3B |
| Debt / EquityLower = less leverage | — | 0.10× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 26 | — | $154.9M | ||
| Q4 25 | — | $261.7M | ||
| Q3 25 | — | $262.1M | ||
| Q2 25 | — | $262.4M | ||
| Q1 25 | — | $262.7M | ||
| Q4 24 | — | $263.0M | ||
| Q3 24 | — | $136.3M | ||
| Q2 24 | — | $136.6M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $429.7M | $1.6B | ||
| Q3 25 | $434.4M | $1.5B | ||
| Q2 25 | $448.8M | $1.5B | ||
| Q1 25 | $439.6M | $1.4B | ||
| Q4 24 | $440.0M | $1.4B | ||
| Q3 24 | $456.2M | $1.4B | ||
| Q2 24 | $457.6M | $1.4B |
| Q1 26 | — | $12.3B | ||
| Q4 25 | $1.1B | $12.3B | ||
| Q3 25 | $1.2B | $12.3B | ||
| Q2 25 | $1.1B | $12.2B | ||
| Q1 25 | $1.2B | $11.8B | ||
| Q4 24 | $984.1M | $11.6B | ||
| Q3 24 | $1.0B | $12.0B | ||
| Q2 24 | $1.0B | $11.6B |
| Q1 26 | — | 0.10× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.17× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× |
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 | $187.5M | ||
| Q3 25 | $10.3M | $49.5M | ||
| Q2 25 | $13.7M | $30.4M | ||
| Q1 25 | $66.6M | $55.9M | ||
| Q4 24 | $-3.2M | $129.5M | ||
| Q3 24 | $21.1M | $53.6M | ||
| Q2 24 | $4.5M | $22.7M |
| Q1 26 | — | — | ||
| Q4 25 | $-14.7M | $171.5M | ||
| Q3 25 | $7.7M | — | ||
| Q2 25 | $10.9M | — | ||
| Q1 25 | $65.3M | — | ||
| Q4 24 | $-3.9M | $113.9M | ||
| Q3 24 | $20.2M | — | ||
| Q2 24 | $2.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 124.3% | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 5.6% | — | ||
| Q1 25 | 35.7% | — | ||
| Q4 24 | -2.5% | 94.6% | ||
| Q3 24 | 11.8% | — | ||
| Q2 24 | 1.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 11.7% | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.4% | 12.9% | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 1.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.18× | ||
| Q3 25 | — | 1.20× | ||
| Q2 25 | — | 0.91× | ||
| Q1 25 | — | 1.71× | ||
| Q4 24 | — | 3.61× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 0.61× |
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% |
FCF
Segment breakdown not available.
