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Side-by-side financial comparison of C3.ai, Inc. (AI) and COASTAL FINANCIAL CORP (CCB). Click either name above to swap in a different company.
COASTAL FINANCIAL CORP is the larger business by last-quarter revenue ($138.0M vs $75.1M, roughly 1.8× C3.ai, Inc.). On growth, COASTAL FINANCIAL CORP posted the faster year-over-year revenue change (-5.8% vs -20.3%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-46.9M). Over the past eight quarters, C3.ai, Inc.'s revenue compounded faster (-2.1% CAGR vs -3.6%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
AI vs CCB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $138.0M |
| Net Profit | $-104.7M | — |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | 12.4% |
| Net Margin | -139.3% | — |
| Revenue YoY | -20.3% | -5.8% |
| Net Profit YoY | -58.7% | — |
| EPS (diluted) | $-0.75 | $0.84 |
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 | $75.1M | $138.0M | ||
| Q3 25 | $70.3M | $144.7M | ||
| Q2 25 | $108.7M | $119.4M | ||
| Q1 25 | $98.8M | $139.5M | ||
| Q4 24 | $94.3M | $146.5M | ||
| Q3 24 | $87.2M | $151.1M | ||
| Q2 24 | $86.6M | $135.3M | ||
| Q1 24 | $78.4M | $148.4M |
| Q4 25 | $-104.7M | — | ||
| Q3 25 | $-116.8M | $13.6M | ||
| Q2 25 | $-79.7M | $11.0M | ||
| Q1 25 | $-80.2M | $9.7M | ||
| Q4 24 | $-66.0M | — | ||
| Q3 24 | $-62.8M | $13.5M | ||
| Q2 24 | $-72.9M | $11.6M | ||
| Q1 24 | $-72.6M | $6.8M |
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — | ||
| Q1 24 | 57.8% | — |
| Q4 25 | -149.2% | 12.4% | ||
| Q3 25 | -177.7% | 12.4% | ||
| Q2 25 | -81.8% | 12.0% | ||
| Q1 25 | -88.7% | 8.4% | ||
| Q4 24 | -79.8% | 11.7% | ||
| Q3 24 | -83.2% | 10.8% | ||
| Q2 24 | -95.1% | 11.1% | ||
| Q1 24 | -105.3% | 5.9% |
| Q4 25 | -139.3% | — | ||
| Q3 25 | -166.2% | 9.4% | ||
| Q2 25 | -73.3% | 9.2% | ||
| Q1 25 | -81.2% | 7.0% | ||
| Q4 24 | -69.9% | — | ||
| Q3 24 | -72.0% | 8.9% | ||
| Q2 24 | -84.2% | 8.6% | ||
| Q1 24 | -92.6% | 4.6% |
| Q4 25 | $-0.75 | $0.84 | ||
| Q3 25 | $-0.86 | $0.88 | ||
| Q2 25 | $-0.60 | $0.71 | ||
| Q1 25 | $-0.62 | $0.63 | ||
| Q4 24 | $-0.52 | $0.95 | ||
| Q3 24 | $-0.50 | $0.97 | ||
| Q2 24 | $-0.59 | $0.84 | ||
| Q1 24 | $-0.60 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $491.0M |
| Total Assets | $961.3M | $4.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $675.0M | — | ||
| Q3 25 | $711.9M | — | ||
| Q2 25 | $742.7M | — | ||
| Q1 25 | $724.3M | — | ||
| Q4 24 | $730.4M | — | ||
| Q3 24 | $762.5M | — | ||
| Q2 24 | $750.4M | — | ||
| Q1 24 | $723.3M | — |
| Q4 25 | $771.9M | $491.0M | ||
| Q3 25 | $798.8M | $475.3M | ||
| Q2 25 | $838.3M | $461.7M | ||
| Q1 25 | $860.2M | $449.9M | ||
| Q4 24 | $859.0M | $438.7M | ||
| Q3 24 | $874.9M | $331.9M | ||
| Q2 24 | $873.4M | $316.7M | ||
| Q1 24 | $898.0M | $303.7M |
| Q4 25 | $961.3M | $4.7B | ||
| Q3 25 | $968.7M | $4.6B | ||
| Q2 25 | $1.0B | $4.5B | ||
| Q1 25 | $1.1B | $4.3B | ||
| Q4 24 | $1.0B | $4.1B | ||
| Q3 24 | $1.1B | $4.1B | ||
| Q2 24 | $1.0B | $4.0B | ||
| Q1 24 | $1.1B | $3.9B |
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 | $-46.5M | $254.6M |
| Free Cash FlowOCF − Capex | $-46.9M | $246.1M |
| FCF MarginFCF / Revenue | -62.4% | 178.3% |
| Capex IntensityCapex / Revenue | 0.5% | 6.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | $436.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-46.5M | $254.6M | ||
| Q3 25 | $-33.5M | $59.0M | ||
| Q2 25 | $11.3M | $66.0M | ||
| Q1 25 | $-22.0M | $71.7M | ||
| Q4 24 | $-38.7M | $259.8M | ||
| Q3 24 | $8.0M | $62.6M | ||
| Q2 24 | $21.3M | $72.1M | ||
| Q1 24 | $-39.1M | $56.8M |
| Q4 25 | $-46.9M | $246.1M | ||
| Q3 25 | $-34.3M | $57.4M | ||
| Q2 25 | $10.3M | $64.0M | ||
| Q1 25 | $-22.4M | $68.9M | ||
| Q4 24 | $-39.5M | $249.9M | ||
| Q3 24 | $7.1M | $60.2M | ||
| Q2 24 | $18.8M | $69.5M | ||
| Q1 24 | $-45.1M | $55.0M |
| Q4 25 | -62.4% | 178.3% | ||
| Q3 25 | -48.8% | 39.7% | ||
| Q2 25 | 9.5% | 53.6% | ||
| Q1 25 | -22.7% | 49.4% | ||
| Q4 24 | -41.9% | 170.6% | ||
| Q3 24 | 8.2% | 39.8% | ||
| Q2 24 | 21.7% | 51.3% | ||
| Q1 24 | -57.6% | 37.1% |
| Q4 25 | 0.5% | 6.1% | ||
| Q3 25 | 1.1% | 1.2% | ||
| Q2 25 | 0.9% | 1.7% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.9% | 6.8% | ||
| Q3 24 | 1.1% | 1.6% | ||
| Q2 24 | 2.9% | 1.9% | ||
| Q1 24 | 7.8% | 1.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | 4.34× | ||
| Q2 25 | — | 5.99× | ||
| Q1 25 | — | 7.37× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 4.65× | ||
| Q2 24 | — | 6.22× | ||
| Q1 24 | — | 8.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
