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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $183.6M, roughly 1.1× ACV Auctions Inc.). On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 15.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-14.7M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% 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.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
ACVA vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $194.8M |
| Net Profit | — | $96.2M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 71.7% |
| Net Margin | — | 49.4% |
| Revenue YoY | 15.1% | 152.7% |
| Net Profit YoY | — | 388.9% |
| EPS (diluted) | $-0.12 | $6.72 |
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 | $194.8M | ||
| Q3 25 | $199.6M | $87.4M | ||
| Q2 25 | $193.7M | $82.6M | ||
| Q1 25 | $182.7M | $81.7M | ||
| Q4 24 | $159.5M | $77.1M | ||
| Q3 24 | $171.3M | $76.6M | ||
| Q2 24 | $160.6M | $72.7M | ||
| Q1 24 | $145.7M | $72.8M |
| Q4 25 | — | $96.2M | ||
| Q3 25 | $-24.5M | $23.7M | ||
| Q2 25 | $-7.3M | $21.5M | ||
| Q1 25 | $-14.8M | $19.7M | ||
| Q4 24 | — | $19.7M | ||
| Q3 24 | $-16.0M | $18.6M | ||
| Q2 24 | $-17.1M | $15.7M | ||
| Q1 24 | $-20.5M | $16.9M |
| Q4 25 | -9.7% | 71.7% | ||
| Q3 25 | -11.9% | 35.6% | ||
| Q2 25 | -3.7% | 34.2% | ||
| Q1 25 | -7.9% | 31.6% | ||
| Q4 24 | -16.2% | 33.4% | ||
| Q3 24 | -10.0% | 32.0% | ||
| Q2 24 | -11.6% | 28.3% | ||
| Q1 24 | -15.5% | 30.4% |
| Q4 25 | — | 49.4% | ||
| Q3 25 | -12.3% | 27.1% | ||
| Q2 25 | -3.8% | 26.0% | ||
| Q1 25 | -8.1% | 24.1% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | -9.4% | 24.3% | ||
| Q2 24 | -10.6% | 21.6% | ||
| Q1 24 | -14.1% | 23.2% |
| Q4 25 | $-0.12 | $6.72 | ||
| Q3 25 | $-0.14 | $1.65 | ||
| Q2 25 | $-0.04 | $1.50 | ||
| Q1 25 | $-0.09 | $1.37 | ||
| Q4 24 | $-0.15 | $1.39 | ||
| Q3 24 | $-0.10 | $1.30 | ||
| Q2 24 | $-0.10 | $1.10 | ||
| Q1 24 | $-0.13 | $1.18 |
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 | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $938.4M |
| Total Assets | $1.1B | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | $132.8M | ||
| Q3 25 | $265.3M | $193.5M | ||
| Q2 25 | $258.4M | $212.6M | ||
| Q1 25 | $291.9M | $193.1M | ||
| Q4 24 | $224.1M | $134.4M | ||
| Q3 24 | $252.5M | $132.3M | ||
| Q2 24 | $215.0M | $70.9M | ||
| Q1 24 | $209.8M | $57.1M |
| Q4 25 | $429.7M | $938.4M | ||
| Q3 25 | $434.4M | $788.8M | ||
| Q2 25 | $448.8M | $761.8M | ||
| Q1 25 | $439.6M | $741.4M | ||
| Q4 24 | $440.0M | $713.4M | ||
| Q3 24 | $456.2M | $719.9M | ||
| Q2 24 | $457.6M | $674.6M | ||
| Q1 24 | $458.3M | $667.9M |
| Q4 25 | $1.1B | $8.7B | ||
| Q3 25 | $1.2B | $8.5B | ||
| Q2 25 | $1.1B | $8.4B | ||
| Q1 25 | $1.2B | $8.2B | ||
| Q4 24 | $984.1M | $8.1B | ||
| Q3 24 | $1.0B | $8.0B | ||
| Q2 24 | $1.0B | $7.9B | ||
| Q1 24 | $1.0B | $7.8B |
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 | $38.9M |
| Free Cash FlowOCF − Capex | $-14.7M | $31.9M |
| FCF MarginFCF / Revenue | -8.0% | 16.4% |
| Capex IntensityCapex / Revenue | 1.2% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $38.9M | ||
| Q3 25 | $10.3M | $34.9M | ||
| Q2 25 | $13.7M | $18.9M | ||
| Q1 25 | $66.6M | $22.2M | ||
| Q4 24 | $-3.2M | $95.0M | ||
| Q3 24 | $21.1M | $21.2M | ||
| Q2 24 | $4.5M | $27.3M | ||
| Q1 24 | $43.0M | $23.2M |
| Q4 25 | $-14.7M | $31.9M | ||
| Q3 25 | $7.7M | $33.9M | ||
| Q2 25 | $10.9M | $18.3M | ||
| Q1 25 | $65.3M | $20.9M | ||
| Q4 24 | $-3.9M | $88.8M | ||
| Q3 24 | $20.2M | $18.9M | ||
| Q2 24 | $2.7M | $26.3M | ||
| Q1 24 | $41.9M | $21.9M |
| Q4 25 | -8.0% | 16.4% | ||
| Q3 25 | 3.8% | 38.8% | ||
| Q2 25 | 5.6% | 22.1% | ||
| Q1 25 | 35.7% | 25.5% | ||
| Q4 24 | -2.5% | 115.1% | ||
| Q3 24 | 11.8% | 24.7% | ||
| Q2 24 | 1.7% | 36.2% | ||
| Q1 24 | 28.8% | 30.0% |
| Q4 25 | 1.2% | 3.6% | ||
| Q3 25 | 1.3% | 1.1% | ||
| Q2 25 | 1.5% | 0.8% | ||
| Q1 25 | 0.7% | 1.7% | ||
| Q4 24 | 0.4% | 8.1% | ||
| Q3 24 | 0.6% | 2.9% | ||
| Q2 24 | 1.1% | 1.3% | ||
| Q1 24 | 0.7% | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | — | 1.38× |
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% |
TMP
Segment breakdown not available.
