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Side-by-side financial comparison of Arena Group Holdings, Inc. (AREN) 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 $28.2M, roughly 1.3× Arena Group Holdings, Inc.). Arena Group Holdings, Inc. runs the higher net margin — 18.9% vs 18.7%, a 0.2% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -22.0%). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -1.2%).
Arena Racing Company, also called ARC Racing and Leisure Group is a UK private company, created in 2012 by the merger of Arena Leisure and Northern Racing. It owns and operates 16 racecourses in Great Britain, accounting for 39% of British racing fixtures. It also operates hotels at Wolverhampton Racecourse, Lingfield Park Racecourse and Doncaster Racecourse and golf courses at Lingfield, Southwell and Newcastle.
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.
AREN vs CFFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $28.2M | $35.9M |
| Net Profit | $5.3M | $6.7M |
| Gross Margin | 43.6% | — |
| Operating Margin | 26.6% | 22.6% |
| Net Margin | 18.9% | 18.7% |
| Revenue YoY | -22.0% | 12.0% |
| Net Profit YoY | -22.5% | 11.0% |
| EPS (diluted) | $0.12 | $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 | $28.2M | $35.9M | ||
| Q3 25 | $29.8M | $36.0M | ||
| Q2 25 | $45.0M | $36.4M | ||
| Q1 25 | $31.8M | $32.6M | ||
| Q4 24 | $36.2M | $32.0M | ||
| Q3 24 | $33.6M | $33.5M | ||
| Q2 24 | $27.2M | $31.2M | ||
| Q1 24 | $28.9M | $30.6M |
| Q4 25 | $5.3M | $6.7M | ||
| Q3 25 | $6.9M | $7.1M | ||
| Q2 25 | $108.6M | $7.7M | ||
| Q1 25 | $4.0M | $5.4M | ||
| Q4 24 | $6.9M | $6.0M | ||
| Q3 24 | $4.0M | $5.4M | ||
| Q2 24 | $-8.2M | $5.0M | ||
| Q1 24 | $-103.4M | $3.4M |
| Q4 25 | 43.6% | — | ||
| Q3 25 | 50.2% | — | ||
| Q2 25 | 56.5% | — | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 52.6% | — | ||
| Q3 24 | 50.6% | — | ||
| Q2 24 | 39.4% | — | ||
| Q1 24 | 30.9% | — |
| Q4 25 | 26.6% | 22.6% | ||
| Q3 25 | 31.9% | 24.5% | ||
| Q2 25 | 36.5% | 26.5% | ||
| Q1 25 | 23.1% | 20.0% | ||
| Q4 24 | 28.6% | 22.6% | ||
| Q3 24 | 24.0% | 19.9% | ||
| Q2 24 | -9.5% | 20.0% | ||
| Q1 24 | -27.5% | 13.1% |
| Q4 25 | 18.9% | 18.7% | ||
| Q3 25 | 23.1% | 19.6% | ||
| Q2 25 | 241.4% | 21.2% | ||
| Q1 25 | 12.6% | 16.5% | ||
| Q4 24 | 19.0% | 18.8% | ||
| Q3 24 | 11.8% | 16.1% | ||
| Q2 24 | -30.1% | 16.1% | ||
| Q1 24 | -357.1% | 11.1% |
| Q4 25 | $0.12 | $2.08 | ||
| Q3 25 | $0.14 | $2.18 | ||
| Q2 25 | $2.28 | $2.37 | ||
| Q1 25 | $0.08 | $1.66 | ||
| Q4 24 | $1.23 | $1.85 | ||
| Q3 24 | $0.11 | $1.65 | ||
| Q2 24 | $-0.28 | $1.50 | ||
| Q1 24 | $-3.91 | $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 | $10.3M | — |
| Total DebtLower is stronger | $97.6M | — |
| Stockholders' EquityBook value | $-4.8M | $261.8M |
| Total Assets | $112.6M | $2.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $10.3M | — | ||
| Q3 25 | $12.5M | — | ||
| Q2 25 | $6.8M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $4.4M | — | ||
| Q3 24 | $5.8M | — | ||
| Q2 24 | $6.1M | — | ||
| Q1 24 | $4.0M | — |
| Q4 25 | $97.6M | — | ||
| Q3 25 | $110.5M | — | ||
| Q2 25 | $110.5M | — | ||
| Q1 25 | $110.5M | — | ||
| Q4 24 | $110.4M | — | ||
| Q3 24 | $102.4M | — | ||
| Q2 24 | $102.4M | — | ||
| Q1 24 | $102.3M | — |
| Q4 25 | $-4.8M | $261.8M | ||
| Q3 25 | $-10.4M | $253.3M | ||
| Q2 25 | $-17.3M | $240.3M | ||
| Q1 25 | $-126.1M | $234.6M | ||
| Q4 24 | $-130.3M | $226.4M | ||
| Q3 24 | $-137.5M | $227.3M | ||
| Q2 24 | $-157.2M | $218.5M | ||
| Q1 24 | $-149.6M | $216.3M |
| Q4 25 | $112.6M | $2.8B | ||
| Q3 25 | $121.4M | $2.7B | ||
| Q2 25 | $127.8M | $2.7B | ||
| Q1 25 | $114.6M | $2.6B | ||
| Q4 24 | $116.4M | $2.6B | ||
| Q3 24 | $114.2M | $2.6B | ||
| Q2 24 | $113.4M | $2.5B | ||
| Q1 24 | $120.3M | $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 | $13.1M | $24.5M |
| Free Cash FlowOCF − Capex | — | $22.2M |
| FCF MarginFCF / Revenue | — | 61.8% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | 2.46× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $42.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.1M | $24.5M | ||
| Q3 25 | $12.2M | $23.4M | ||
| Q2 25 | $10.3M | $-4.4M | ||
| Q1 25 | $3.7M | $3.2M | ||
| Q4 24 | $-8.6M | $36.8M | ||
| Q3 24 | $-2.3M | $404.0K | ||
| Q2 24 | $-3.2M | $1.7M | ||
| Q1 24 | $-2.0M | $895.0K |
| Q4 25 | — | $22.2M | ||
| Q3 25 | — | $22.7M | ||
| Q2 25 | — | $-5.0M | ||
| Q1 25 | — | $2.9M | ||
| Q4 24 | — | $33.3M | ||
| Q3 24 | $-2.4M | $-1.6M | ||
| Q2 24 | — | $1.2M | ||
| Q1 24 | — | $410.0K |
| Q4 25 | — | 61.8% | ||
| Q3 25 | — | 63.0% | ||
| Q2 25 | — | -13.6% | ||
| Q1 25 | — | 9.0% | ||
| Q4 24 | — | 103.8% | ||
| Q3 24 | -7.1% | -4.9% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | 1.3% |
| Q4 25 | — | 6.5% | ||
| Q3 25 | 0.0% | 2.1% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 10.9% | ||
| Q3 24 | 0.1% | 6.1% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | 1.6% |
| Q4 25 | 2.46× | 3.65× | ||
| Q3 25 | 1.77× | 3.31× | ||
| Q2 25 | 0.09× | -0.57× | ||
| Q1 25 | 0.91× | 0.60× | ||
| Q4 24 | -1.25× | 6.09× | ||
| Q3 24 | -0.59× | 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
AREN
Segment breakdown not available.
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
