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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and Hilltop Holdings Inc. (HTH). Click either name above to swap in a different company.
Hilltop Holdings Inc. is the larger business by last-quarter revenue ($300.5M vs $183.6M, roughly 1.6× ACV Auctions Inc.). Over the past eight quarters, ACV Auctions Inc.'s revenue compounded faster (12.3% CAGR vs 0.6%).
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.
Hilltop Holdings Inc. is a financial holding company based in Dallas, Texas. It offers financial products and banking services through three primary subsidiaries: PlainsCapital Bank, PrimeLending, and HilltopSecurities.
ACVA vs HTH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $300.5M |
| Net Profit | — | $39.0M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | — |
| Net Margin | — | 13.0% |
| Revenue YoY | 15.1% | — |
| Net Profit YoY | — | -12.4% |
| EPS (diluted) | $-0.12 | $0.64 |
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 | — | $300.5M | ||
| Q4 25 | $183.6M | $329.9M | ||
| Q3 25 | $199.6M | $330.2M | ||
| Q2 25 | $193.7M | $303.3M | ||
| Q1 25 | $182.7M | $318.5M | ||
| Q4 24 | $159.5M | $301.1M | ||
| Q3 24 | $171.3M | $305.5M | ||
| Q2 24 | $160.6M | $297.0M |
| Q1 26 | — | $39.0M | ||
| Q4 25 | — | $41.6M | ||
| Q3 25 | $-24.5M | $45.8M | ||
| Q2 25 | $-7.3M | $36.1M | ||
| Q1 25 | $-14.8M | $42.1M | ||
| Q4 24 | — | $35.5M | ||
| Q3 24 | $-16.0M | $29.7M | ||
| Q2 24 | $-17.1M | $20.3M |
| Q1 26 | — | — | ||
| Q4 25 | -9.7% | 16.1% | ||
| Q3 25 | -11.9% | 18.4% | ||
| Q2 25 | -3.7% | 16.3% | ||
| Q1 25 | -7.9% | 18.1% | ||
| Q4 24 | -16.2% | 14.7% | ||
| Q3 24 | -10.0% | 13.9% | ||
| Q2 24 | -11.6% | 10.0% |
| Q1 26 | — | 13.0% | ||
| Q4 25 | — | 12.6% | ||
| Q3 25 | -12.3% | 13.9% | ||
| Q2 25 | -3.8% | 11.9% | ||
| Q1 25 | -8.1% | 13.2% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | -9.4% | 9.7% | ||
| Q2 24 | -10.6% | 6.8% |
| Q1 26 | — | $0.64 | ||
| Q4 25 | $-0.12 | $0.68 | ||
| Q3 25 | $-0.14 | $0.74 | ||
| Q2 25 | $-0.04 | $0.57 | ||
| Q1 25 | $-0.09 | $0.65 | ||
| Q4 24 | $-0.15 | $0.55 | ||
| Q3 24 | $-0.10 | $0.46 | ||
| Q2 24 | $-0.10 | $0.31 |
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 | — | $990.8M |
| Stockholders' EquityBook value | $429.7M | $2.2B |
| Total Assets | $1.1B | $15.7B |
| Debt / EquityLower = less leverage | — | 0.46× |
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 | — | $990.8M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $2.2B | ||
| Q4 25 | $429.7M | $2.2B | ||
| Q3 25 | $434.4M | $2.2B | ||
| Q2 25 | $448.8M | $2.2B | ||
| Q1 25 | $439.6M | $2.2B | ||
| Q4 24 | $440.0M | $2.2B | ||
| Q3 24 | $456.2M | $2.2B | ||
| Q2 24 | $457.6M | $2.1B |
| Q1 26 | — | $15.7B | ||
| Q4 25 | $1.1B | $15.8B | ||
| Q3 25 | $1.2B | $15.6B | ||
| Q2 25 | $1.1B | $15.4B | ||
| Q1 25 | $1.2B | $15.8B | ||
| Q4 24 | $984.1M | $16.3B | ||
| Q3 24 | $1.0B | $15.9B | ||
| Q2 24 | $1.0B | $15.6B |
| Q1 26 | — | 0.46× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $-38.7M | ||
| Q3 25 | $10.3M | $273.0M | ||
| Q2 25 | $13.7M | $-234.6M | ||
| Q1 25 | $66.6M | $5.8M | ||
| Q4 24 | $-3.2M | $273.9M | ||
| Q3 24 | $21.1M | $515.6M | ||
| Q2 24 | $4.5M | $-435.3M |
| Q1 26 | — | — | ||
| Q4 25 | $-14.7M | $-55.5M | ||
| Q3 25 | $7.7M | $271.0M | ||
| Q2 25 | $10.9M | $-234.6M | ||
| Q1 25 | $65.3M | $5.0M | ||
| Q4 24 | $-3.9M | $266.8M | ||
| Q3 24 | $20.2M | $513.8M | ||
| Q2 24 | $2.7M | $-437.3M |
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | -16.8% | ||
| Q3 25 | 3.8% | 82.1% | ||
| Q2 25 | 5.6% | -77.4% | ||
| Q1 25 | 35.7% | 1.6% | ||
| Q4 24 | -2.5% | 88.6% | ||
| Q3 24 | 11.8% | 168.2% | ||
| Q2 24 | 1.7% | -147.2% |
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 5.1% | ||
| Q3 25 | 1.3% | 0.6% | ||
| Q2 25 | 1.5% | 0.0% | ||
| Q1 25 | 0.7% | 0.3% | ||
| Q4 24 | 0.4% | 2.4% | ||
| Q3 24 | 0.6% | 0.6% | ||
| Q2 24 | 1.1% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | -0.93× | ||
| Q3 25 | — | 5.96× | ||
| Q2 25 | — | -6.50× | ||
| Q1 25 | — | 0.14× | ||
| Q4 24 | — | 7.71× | ||
| Q3 24 | — | 17.36× | ||
| Q2 24 | — | -21.41× |
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% |
HTH
| Noninterest Income | $188.4M | 63% |
| Net Interest Income | $112.1M | 37% |
