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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
ACV Auctions Inc. is the larger business by last-quarter revenue ($183.6M vs $153.1M, roughly 1.2× CPI Card Group Inc.). On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 15.1%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-14.7M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
ACVA vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $153.1M |
| Net Profit | — | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | -9.7% | 12.0% |
| Net Margin | — | 4.8% |
| Revenue YoY | 15.1% | 22.3% |
| Net Profit YoY | — | 8.5% |
| EPS (diluted) | $-0.12 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $199.6M | $138.0M | ||
| Q2 25 | $193.7M | $129.8M | ||
| Q1 25 | $182.7M | $122.8M | ||
| Q4 24 | $159.5M | $125.1M | ||
| Q3 24 | $171.3M | $124.8M | ||
| Q2 24 | $160.6M | $118.8M | ||
| Q1 24 | $145.7M | $111.9M |
| Q4 25 | — | $7.3M | ||
| Q3 25 | $-24.5M | $2.3M | ||
| Q2 25 | $-7.3M | $518.0K | ||
| Q1 25 | $-14.8M | $4.8M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | $-16.0M | $1.3M | ||
| Q2 24 | $-17.1M | $6.0M | ||
| Q1 24 | $-20.5M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | -9.7% | 12.0% | ||
| Q3 25 | -11.9% | 9.4% | ||
| Q2 25 | -3.7% | 7.3% | ||
| Q1 25 | -7.9% | 11.5% | ||
| Q4 24 | -16.2% | 12.7% | ||
| Q3 24 | -10.0% | 14.3% | ||
| Q2 24 | -11.6% | 12.5% | ||
| Q1 24 | -15.5% | 12.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | -12.3% | 1.7% | ||
| Q2 25 | -3.8% | 0.4% | ||
| Q1 25 | -8.1% | 3.9% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | -9.4% | 1.0% | ||
| Q2 24 | -10.6% | 5.1% | ||
| Q1 24 | -14.1% | 4.9% |
| Q4 25 | $-0.12 | $0.62 | ||
| Q3 25 | $-0.14 | $0.19 | ||
| Q2 25 | $-0.04 | $0.04 | ||
| Q1 25 | $-0.09 | $0.40 | ||
| Q4 24 | $-0.15 | $0.56 | ||
| Q3 24 | $-0.10 | $0.11 | ||
| Q2 24 | $-0.10 | $0.51 | ||
| Q1 24 | $-0.13 | $0.46 |
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 | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $429.7M | $-17.3M |
| Total Assets | $1.1B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | $21.7M | ||
| Q3 25 | $265.3M | $16.0M | ||
| Q2 25 | $258.4M | $17.1M | ||
| Q1 25 | $291.9M | $31.5M | ||
| Q4 24 | $224.1M | $33.5M | ||
| Q3 24 | $252.5M | $14.7M | ||
| Q2 24 | $215.0M | $7.5M | ||
| Q1 24 | $209.8M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $429.7M | $-17.3M | ||
| Q3 25 | $434.4M | $-25.7M | ||
| Q2 25 | $448.8M | $-29.0M | ||
| Q1 25 | $439.6M | $-29.7M | ||
| Q4 24 | $440.0M | $-35.6M | ||
| Q3 24 | $456.2M | $-42.8M | ||
| Q2 24 | $457.6M | $-44.6M | ||
| Q1 24 | $458.3M | $-48.5M |
| Q4 25 | $1.1B | $403.2M | ||
| Q3 25 | $1.2B | $407.1M | ||
| Q2 25 | $1.1B | $399.8M | ||
| Q1 25 | $1.2B | $351.9M | ||
| Q4 24 | $984.1M | $349.7M | ||
| Q3 24 | $1.0B | $342.3M | ||
| Q2 24 | $1.0B | $321.4M | ||
| Q1 24 | $1.0B | $319.8M |
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 | $39.6M |
| Free Cash FlowOCF − Capex | $-14.7M | $35.2M |
| FCF MarginFCF / Revenue | -8.0% | 23.0% |
| Capex IntensityCapex / Revenue | 1.2% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $39.6M | ||
| Q3 25 | $10.3M | $10.0M | ||
| Q2 25 | $13.7M | $4.3M | ||
| Q1 25 | $66.6M | $5.6M | ||
| Q4 24 | $-3.2M | $26.7M | ||
| Q3 24 | $21.1M | $12.5M | ||
| Q2 24 | $4.5M | $-4.8M | ||
| Q1 24 | $43.0M | $8.9M |
| Q4 25 | $-14.7M | $35.2M | ||
| Q3 25 | $7.7M | $5.3M | ||
| Q2 25 | $10.9M | $533.0K | ||
| Q1 25 | $65.3M | $292.0K | ||
| Q4 24 | $-3.9M | $21.6M | ||
| Q3 24 | $20.2M | $11.1M | ||
| Q2 24 | $2.7M | $-6.0M | ||
| Q1 24 | $41.9M | $7.4M |
| Q4 25 | -8.0% | 23.0% | ||
| Q3 25 | 3.8% | 3.8% | ||
| Q2 25 | 5.6% | 0.4% | ||
| Q1 25 | 35.7% | 0.2% | ||
| Q4 24 | -2.5% | 17.3% | ||
| Q3 24 | 11.8% | 8.9% | ||
| Q2 24 | 1.7% | -5.0% | ||
| Q1 24 | 28.8% | 6.6% |
| Q4 25 | 1.2% | 2.9% | ||
| Q3 25 | 1.3% | 3.4% | ||
| Q2 25 | 1.5% | 2.9% | ||
| Q1 25 | 0.7% | 4.3% | ||
| Q4 24 | 0.4% | 4.0% | ||
| Q3 24 | 0.6% | 1.2% | ||
| Q2 24 | 1.1% | 1.0% | ||
| Q1 24 | 0.7% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | — | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | — | 9.70× | ||
| Q2 24 | — | -0.79× | ||
| Q1 24 | — | 1.63× |
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% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
