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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and FIRST INTERSTATE BANCSYSTEM INC (FIBK). Click either name above to swap in a different company.
FIRST INTERSTATE BANCSYSTEM INC is the larger business by last-quarter revenue ($313.0M vs $183.6M, roughly 1.7× ACV Auctions Inc.). On growth, FIRST INTERSTATE BANCSYSTEM INC posted the faster year-over-year revenue change (19.8% vs 15.1%). Over the past eight quarters, FIRST INTERSTATE BANCSYSTEM INC's revenue compounded faster (13.7% 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.
First Interstate BancSystem, Inc. is a financial holding company headquartered in Billings, Montana. It is the parent company of First Interstate Bank, a community bank with locations throughout 14 states within the Western and Midwestern United States. It is the largest bank based in Montana, as measured by total assets.
ACVA vs FIBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $313.0M |
| Net Profit | — | $108.8M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 44.5% |
| Net Margin | — | 34.8% |
| Revenue YoY | 15.1% | 19.8% |
| Net Profit YoY | — | 108.8% |
| EPS (diluted) | $-0.12 | $1.07 |
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 | $313.0M | ||
| Q3 25 | $199.6M | $250.5M | ||
| Q2 25 | $193.7M | $248.3M | ||
| Q1 25 | $182.7M | $247.0M | ||
| Q4 24 | $159.5M | $261.3M | ||
| Q3 24 | $171.3M | $251.9M | ||
| Q2 24 | $160.6M | $244.3M | ||
| Q1 24 | $145.7M | $242.2M |
| Q4 25 | — | $108.8M | ||
| Q3 25 | $-24.5M | $71.4M | ||
| Q2 25 | $-7.3M | $71.7M | ||
| Q1 25 | $-14.8M | $50.2M | ||
| Q4 24 | — | $52.1M | ||
| Q3 24 | $-16.0M | $55.5M | ||
| Q2 24 | $-17.1M | $60.0M | ||
| Q1 24 | $-20.5M | $58.4M |
| Q4 25 | -9.7% | 44.5% | ||
| Q3 25 | -11.9% | 37.0% | ||
| Q2 25 | -3.7% | 37.7% | ||
| Q1 25 | -7.9% | 26.9% | ||
| Q4 24 | -16.2% | 25.5% | ||
| Q3 24 | -10.0% | 28.9% | ||
| Q2 24 | -11.6% | 32.1% | ||
| Q1 24 | -15.5% | 31.7% |
| Q4 25 | — | 34.8% | ||
| Q3 25 | -12.3% | 28.5% | ||
| Q2 25 | -3.8% | 28.9% | ||
| Q1 25 | -8.1% | 20.3% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | -9.4% | 22.0% | ||
| Q2 24 | -10.6% | 24.6% | ||
| Q1 24 | -14.1% | 24.1% |
| Q4 25 | $-0.12 | $1.07 | ||
| Q3 25 | $-0.14 | $0.69 | ||
| Q2 25 | $-0.04 | $0.69 | ||
| Q1 25 | $-0.09 | $0.49 | ||
| Q4 24 | $-0.15 | $0.50 | ||
| Q3 24 | $-0.10 | $0.54 | ||
| Q2 24 | $-0.10 | $0.58 | ||
| Q1 24 | $-0.13 | $0.57 |
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 | — | $146.3M |
| Stockholders' EquityBook value | $429.7M | $3.4B |
| Total Assets | $1.1B | $26.6B |
| 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 | — | $146.3M | ||
| Q3 25 | — | $146.2M | ||
| Q2 25 | — | $252.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $132.2M | ||
| Q3 24 | — | $137.3M | ||
| Q2 24 | — | $383.4M | ||
| Q1 24 | — | $370.8M |
| Q4 25 | $429.7M | $3.4B | ||
| Q3 25 | $434.4M | $3.4B | ||
| Q2 25 | $448.8M | $3.4B | ||
| Q1 25 | $439.6M | $3.4B | ||
| Q4 24 | $440.0M | $3.3B | ||
| Q3 24 | $456.2M | $3.4B | ||
| Q2 24 | $457.6M | $3.2B | ||
| Q1 24 | $458.3M | $3.2B |
| Q4 25 | $1.1B | $26.6B | ||
| Q3 25 | $1.2B | $27.3B | ||
| Q2 25 | $1.1B | $27.6B | ||
| Q1 25 | $1.2B | $28.3B | ||
| Q4 24 | $984.1M | $29.1B | ||
| Q3 24 | $1.0B | $29.6B | ||
| Q2 24 | $1.0B | $30.3B | ||
| Q1 24 | $1.0B | $30.1B |
| Q4 25 | — | 0.04× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.07× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 0.12× |
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 | $305.6M |
| Free Cash FlowOCF − Capex | $-14.7M | — |
| FCF MarginFCF / Revenue | -8.0% | — |
| Capex IntensityCapex / Revenue | 1.2% | — |
| Cash ConversionOCF / Net Profit | — | 2.81× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $305.6M | ||
| Q3 25 | $10.3M | $91.7M | ||
| Q2 25 | $13.7M | $68.1M | ||
| Q1 25 | $66.6M | $78.5M | ||
| Q4 24 | $-3.2M | $355.0M | ||
| Q3 24 | $21.1M | $89.9M | ||
| Q2 24 | $4.5M | $82.3M | ||
| Q1 24 | $43.0M | $87.6M |
| Q4 25 | $-14.7M | — | ||
| Q3 25 | $7.7M | — | ||
| Q2 25 | $10.9M | — | ||
| Q1 25 | $65.3M | — | ||
| Q4 24 | $-3.9M | — | ||
| Q3 24 | $20.2M | — | ||
| Q2 24 | $2.7M | — | ||
| Q1 24 | $41.9M | — |
| Q4 25 | -8.0% | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 5.6% | — | ||
| Q1 25 | 35.7% | — | ||
| Q4 24 | -2.5% | — | ||
| Q3 24 | 11.8% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 28.8% | — |
| Q4 25 | 1.2% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 1.1% | — | ||
| Q1 24 | 0.7% | — |
| Q4 25 | — | 2.81× | ||
| Q3 25 | — | 1.28× | ||
| Q2 25 | — | 0.95× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 6.81× | ||
| Q3 24 | — | 1.62× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 1.50× |
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% |
FIBK
Segment breakdown not available.
