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Side-by-side financial comparison of C3.ai, Inc. (AI) and Finwise Bancorp (FINW). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $46.9M, roughly 1.6× Finwise Bancorp). Finwise Bancorp runs the higher net margin — 8.4% vs -139.3%, a 147.6% gap on every dollar of revenue. On growth, Finwise Bancorp posted the faster year-over-year revenue change (121.7% vs -20.3%). Finwise Bancorp produced more free cash flow last quarter ($-28.6M vs $-46.9M). Over the past eight quarters, Finwise Bancorp's revenue compounded faster (54.3% CAGR vs -2.1%).
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.
Finwise Bancorp is a U.S.-based financial holding company that operates primarily through its community banking subsidiary. It offers a full suite of retail and commercial financial services, including deposit accounts, personal loans, mortgage products, small business financing, and wealth management solutions, serving local retail consumers and small to medium-sized business clients across its regional operating markets.
AI vs FINW — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $46.9M |
| Net Profit | $-104.7M | $3.9M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | 11.7% |
| Net Margin | -139.3% | 8.4% |
| Revenue YoY | -20.3% | 121.7% |
| Net Profit YoY | -58.7% | 40.1% |
| EPS (diluted) | $-0.75 | $0.27 |
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 | $46.9M | ||
| Q3 25 | $70.3M | $36.7M | ||
| Q2 25 | $108.7M | $25.1M | ||
| Q1 25 | $98.8M | $22.1M | ||
| Q4 24 | $94.3M | $21.1M | ||
| Q3 24 | $87.2M | $20.8M | ||
| Q2 24 | $86.6M | $19.8M | ||
| Q1 24 | $78.4M | $19.7M |
| Q4 25 | $-104.7M | $3.9M | ||
| Q3 25 | $-116.8M | $4.9M | ||
| Q2 25 | $-79.7M | $4.1M | ||
| Q1 25 | $-80.2M | $3.2M | ||
| Q4 24 | $-66.0M | $2.8M | ||
| Q3 24 | $-62.8M | $3.5M | ||
| Q2 24 | $-72.9M | $3.2M | ||
| Q1 24 | $-72.6M | $3.3M |
| 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% | 11.7% | ||
| Q3 25 | -177.7% | 17.5% | ||
| Q2 25 | -81.8% | 21.7% | ||
| Q1 25 | -88.7% | 20.1% | ||
| Q4 24 | -79.8% | 17.5% | ||
| Q3 24 | -83.2% | 22.2% | ||
| Q2 24 | -95.1% | 21.1% | ||
| Q1 24 | -105.3% | 22.9% |
| Q4 25 | -139.3% | 8.4% | ||
| Q3 25 | -166.2% | 13.3% | ||
| Q2 25 | -73.3% | 16.3% | ||
| Q1 25 | -81.2% | 14.4% | ||
| Q4 24 | -69.9% | 13.2% | ||
| Q3 24 | -72.0% | 16.6% | ||
| Q2 24 | -84.2% | 16.1% | ||
| Q1 24 | -92.6% | 16.9% |
| Q4 25 | $-0.75 | $0.27 | ||
| Q3 25 | $-0.86 | $0.34 | ||
| Q2 25 | $-0.60 | $0.29 | ||
| Q1 25 | $-0.62 | $0.23 | ||
| Q4 24 | $-0.52 | $0.19 | ||
| Q3 24 | $-0.50 | $0.25 | ||
| Q2 24 | $-0.59 | $0.24 | ||
| Q1 24 | $-0.60 | $0.25 |
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 | $163.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $193.2M |
| Total Assets | $961.3M | $977.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $675.0M | $163.4M | ||
| Q3 25 | $711.9M | $105.6M | ||
| Q2 25 | $742.7M | $90.1M | ||
| Q1 25 | $724.3M | $120.3M | ||
| Q4 24 | $730.4M | $109.2M | ||
| Q3 24 | $762.5M | $85.8M | ||
| Q2 24 | $750.4M | $89.0M | ||
| Q1 24 | $723.3M | $115.8M |
| Q4 25 | $771.9M | $193.2M | ||
| Q3 25 | $798.8M | $187.8M | ||
| Q2 25 | $838.3M | $182.0M | ||
| Q1 25 | $860.2M | $177.4M | ||
| Q4 24 | $859.0M | $173.7M | ||
| Q3 24 | $874.9M | $170.4M | ||
| Q2 24 | $873.4M | $165.8M | ||
| Q1 24 | $898.0M | $162.5M |
| Q4 25 | $961.3M | $977.1M | ||
| Q3 25 | $968.7M | $899.9M | ||
| Q2 25 | $1.0B | $842.5M | ||
| Q1 25 | $1.1B | $804.1M | ||
| Q4 24 | $1.0B | $746.0M | ||
| Q3 24 | $1.1B | $683.0M | ||
| Q2 24 | $1.0B | $617.8M | ||
| Q1 24 | $1.1B | $610.8M |
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 | $-46.5M | $-28.4M |
| Free Cash FlowOCF − Capex | $-46.9M | $-28.6M |
| FCF MarginFCF / Revenue | -62.4% | -61.1% |
| Capex IntensityCapex / Revenue | 0.5% | 0.5% |
| Cash ConversionOCF / Net Profit | — | -7.26× |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | $-68.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-46.5M | $-28.4M | ||
| Q3 25 | $-33.5M | $3.5M | ||
| Q2 25 | $11.3M | $-18.3M | ||
| Q1 25 | $-22.0M | $-21.6M | ||
| Q4 24 | $-38.7M | $-15.0M | ||
| Q3 24 | $8.0M | $-9.8M | ||
| Q2 24 | $21.3M | $-7.6M | ||
| Q1 24 | $-39.1M | $1.8M |
| Q4 25 | $-46.9M | $-28.6M | ||
| Q3 25 | $-34.3M | $3.4M | ||
| Q2 25 | $10.3M | $-19.8M | ||
| Q1 25 | $-22.4M | $-23.3M | ||
| Q4 24 | $-39.5M | $-16.1M | ||
| Q3 24 | $7.1M | $-13.4M | ||
| Q2 24 | $18.8M | $-7.7M | ||
| Q1 24 | $-45.1M | $568.0K |
| Q4 25 | -62.4% | -61.1% | ||
| Q3 25 | -48.8% | 9.4% | ||
| Q2 25 | 9.5% | -79.0% | ||
| Q1 25 | -22.7% | -105.3% | ||
| Q4 24 | -41.9% | -76.0% | ||
| Q3 24 | 8.2% | -64.3% | ||
| Q2 24 | 21.7% | -38.7% | ||
| Q1 24 | -57.6% | 2.9% |
| Q4 25 | 0.5% | 0.5% | ||
| Q3 25 | 1.1% | 0.1% | ||
| Q2 25 | 0.9% | 5.8% | ||
| Q1 25 | 0.4% | 7.4% | ||
| Q4 24 | 0.9% | 5.1% | ||
| Q3 24 | 1.1% | 17.2% | ||
| Q2 24 | 2.9% | 0.3% | ||
| Q1 24 | 7.8% | 6.0% |
| Q4 25 | — | -7.26× | ||
| Q3 25 | — | 0.71× | ||
| Q2 25 | — | -4.48× | ||
| Q1 25 | — | -6.78× | ||
| Q4 24 | — | -5.37× | ||
| Q3 24 | — | -2.84× | ||
| Q2 24 | — | -2.39× | ||
| Q1 24 | — | 0.53× |
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% |
FINW
Segment breakdown not available.
