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Side-by-side financial comparison of Arteris, Inc. (AIP) and C & F FINANCIAL CORP (CFFI). Click either name above to swap in a different company.
C & F FINANCIAL CORP is the larger business by last-quarter revenue ($35.9M vs $20.1M, roughly 1.8× Arteris, Inc.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -42.2%, a 60.9% gap on every dollar of revenue. On growth, Arteris, Inc. posted the faster year-over-year revenue change (30.0% vs 12.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $3.0M). Over the past eight quarters, Arteris, Inc.'s revenue compounded faster (24.7% CAGR vs 8.2%).
Arteris, Inc. is a multinational technology company headquartered in Campbell, California. It develops the network-on-chip (NoC) IP and system-on-chip (SoC) integration automation software that is used to create semiconductor chip and chiplet designs for a variety of devices, particularly in automotive electronics, artificial intelligence, machine learning, enterprise computing, communications, consumer, industrial, and aerospace & defense markets. The company specializes in the development a...
Sun Life Financial Inc. is a Canadian financial services company headquartered in Toronto, Ontario. Founded in 1865, it operates internationally in life insurance, wealth management, and asset management. As of 2024, the company manages over CAD$1.3 trillion in assets and serves clients in Canada, the United States, Asia, and other markets.
AIP vs CFFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $20.1M | $35.9M |
| Net Profit | $-8.5M | $6.7M |
| Gross Margin | 90.8% | — |
| Operating Margin | -42.0% | 22.6% |
| Net Margin | -42.2% | 18.7% |
| Revenue YoY | 30.0% | 12.0% |
| Net Profit YoY | -3.7% | 11.0% |
| EPS (diluted) | $-0.19 | $2.08 |
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 | $20.1M | $35.9M | ||
| Q3 25 | $17.4M | $36.0M | ||
| Q2 25 | $16.5M | $36.4M | ||
| Q1 25 | $16.5M | $32.6M | ||
| Q4 24 | $15.5M | $32.0M | ||
| Q3 24 | $14.7M | $33.5M | ||
| Q2 24 | $14.6M | $31.2M | ||
| Q1 24 | $12.9M | $30.6M |
| Q4 25 | $-8.5M | $6.7M | ||
| Q3 25 | $-9.0M | $7.1M | ||
| Q2 25 | $-9.1M | $7.7M | ||
| Q1 25 | $-8.1M | $5.4M | ||
| Q4 24 | $-8.2M | $6.0M | ||
| Q3 24 | $-7.7M | $5.4M | ||
| Q2 24 | $-8.3M | $5.0M | ||
| Q1 24 | $-9.4M | $3.4M |
| Q4 25 | 90.8% | — | ||
| Q3 25 | 89.9% | — | ||
| Q2 25 | 89.4% | — | ||
| Q1 25 | 90.8% | — | ||
| Q4 24 | 89.8% | — | ||
| Q3 24 | 90.1% | — | ||
| Q2 24 | 90.0% | — | ||
| Q1 24 | 88.7% | — |
| Q4 25 | -42.0% | 22.6% | ||
| Q3 25 | -50.1% | 24.5% | ||
| Q2 25 | -50.0% | 26.5% | ||
| Q1 25 | -46.6% | 20.0% | ||
| Q4 24 | -45.9% | 22.6% | ||
| Q3 24 | -53.8% | 19.9% | ||
| Q2 24 | -51.1% | 20.0% | ||
| Q1 24 | -70.5% | 13.1% |
| Q4 25 | -42.2% | 18.7% | ||
| Q3 25 | -51.6% | 19.6% | ||
| Q2 25 | -55.3% | 21.2% | ||
| Q1 25 | -49.1% | 16.5% | ||
| Q4 24 | -53.0% | 18.8% | ||
| Q3 24 | -52.2% | 16.1% | ||
| Q2 24 | -57.2% | 16.1% | ||
| Q1 24 | -72.6% | 11.1% |
| Q4 25 | $-0.19 | $2.08 | ||
| Q3 25 | $-0.21 | $2.18 | ||
| Q2 25 | $-0.22 | $2.37 | ||
| Q1 25 | $-0.20 | $1.66 | ||
| Q4 24 | $-0.19 | $1.85 | ||
| Q3 24 | $-0.20 | $1.65 | ||
| Q2 24 | $-0.22 | $1.50 | ||
| Q1 24 | $-0.25 | $1.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $33.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-14.6M | $261.8M |
| Total Assets | $115.0M | $2.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $33.9M | — | ||
| Q3 25 | $39.0M | — | ||
| Q2 25 | $38.0M | — | ||
| Q1 25 | $42.3M | — | ||
| Q4 24 | $43.8M | — | ||
| Q3 24 | $48.7M | — | ||
| Q2 24 | $45.8M | — | ||
| Q1 24 | $44.8M | — |
| Q4 25 | $-14.6M | $261.8M | ||
| Q3 25 | $-11.4M | $253.3M | ||
| Q2 25 | $-7.5M | $240.3M | ||
| Q1 25 | $-4.8M | $234.6M | ||
| Q4 24 | $-1.2M | $226.4M | ||
| Q3 24 | $2.2M | $227.3M | ||
| Q2 24 | $5.3M | $218.5M | ||
| Q1 24 | $9.5M | $216.3M |
| Q4 25 | $115.0M | $2.8B | ||
| Q3 25 | $107.7M | $2.7B | ||
| Q2 25 | $106.9M | $2.7B | ||
| Q1 25 | $98.3M | $2.6B | ||
| Q4 24 | $106.1M | $2.6B | ||
| Q3 24 | $97.7M | $2.6B | ||
| Q2 24 | $96.4M | $2.5B | ||
| Q1 24 | $101.4M | $2.5B |
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 | $3.2M | $24.5M |
| Free Cash FlowOCF − Capex | $3.0M | $22.2M |
| FCF MarginFCF / Revenue | 15.1% | 61.8% |
| Capex IntensityCapex / Revenue | 0.7% | 6.5% |
| Cash ConversionOCF / Net Profit | — | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $5.3M | $42.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.2M | $24.5M | ||
| Q3 25 | $3.2M | $23.4M | ||
| Q2 25 | $-2.5M | $-4.4M | ||
| Q1 25 | $2.9M | $3.2M | ||
| Q4 24 | $-2.6M | $36.8M | ||
| Q3 24 | $1.1M | $404.0K | ||
| Q2 24 | $311.0K | $1.7M | ||
| Q1 24 | $477.0K | $895.0K |
| Q4 25 | $3.0M | $22.2M | ||
| Q3 25 | $2.5M | $22.7M | ||
| Q2 25 | $-2.8M | $-5.0M | ||
| Q1 25 | $2.7M | $2.9M | ||
| Q4 24 | $-2.7M | $33.3M | ||
| Q3 24 | $1.1M | $-1.6M | ||
| Q2 24 | $264.0K | $1.2M | ||
| Q1 24 | $281.0K | $410.0K |
| Q4 25 | 15.1% | 61.8% | ||
| Q3 25 | 14.2% | 63.0% | ||
| Q2 25 | -17.2% | -13.6% | ||
| Q1 25 | 16.2% | 9.0% | ||
| Q4 24 | -17.3% | 103.8% | ||
| Q3 24 | 7.4% | -4.9% | ||
| Q2 24 | 1.8% | 3.7% | ||
| Q1 24 | 2.2% | 1.3% |
| Q4 25 | 0.7% | 6.5% | ||
| Q3 25 | 4.1% | 2.1% | ||
| Q2 25 | 2.2% | 1.6% | ||
| Q1 25 | 1.1% | 0.8% | ||
| Q4 24 | 0.3% | 10.9% | ||
| Q3 24 | 0.2% | 6.1% | ||
| Q2 24 | 0.3% | 1.7% | ||
| Q1 24 | 1.5% | 1.6% |
| Q4 25 | — | 3.65× | ||
| Q3 25 | — | 3.31× | ||
| Q2 25 | — | -0.57× | ||
| Q1 25 | — | 0.60× | ||
| Q4 24 | — | 6.09× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 0.34× | ||
| Q1 24 | — | 0.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AIP
| License And Maintenance | $17.5M | 87% |
| Variable Royalties And Other | $2.6M | 13% |
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
