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Side-by-side financial comparison of ARROW FINANCIAL CORP (AROW) and ATRenew Inc. (RERE). Click either name above to swap in a different company.

ATRenew Inc. is the larger business by last-quarter revenue ($43.2M vs $35.0M, roughly 1.2× ARROW FINANCIAL CORP). ARROW FINANCIAL CORP runs the higher net margin — 24.6% vs 16.9%, a 7.7% gap on every dollar of revenue.

Flagstar Bank, N.A. (FLG), is an American regional financial services holding company headquartered in Hicksville, New York. In 2023, the bank operated 395 branches However, they rebranded all of these under the Flagstar name on February 21, 2024.

ATRenew Inc. operates a leading pre-owned consumer electronics transaction and servicing ecosystem primarily in China. Its core services include end-to-end device recycling, professional quality inspection, certified refurbishment, and resale of smartphones, laptops, tablets and other digital products, serving both individual consumers and enterprise clients across domestic and select Southeast Asian markets.

AROW vs RERE — Head-to-Head

Bigger by revenue
RERE
RERE
1.2× larger
RERE
$43.2M
$35.0M
AROW
Higher net margin
AROW
AROW
7.7% more per $
AROW
24.6%
16.9%
RERE

Income Statement — Q2 FY2024 vs Q1 FY2023

Metric
AROW
AROW
RERE
RERE
Revenue
$35.0M
$43.2M
Net Profit
$8.6M
$7.3M
Gross Margin
Operating Margin
Net Margin
24.6%
16.9%
Revenue YoY
7.1%
Net Profit YoY
42.3%
EPS (diluted)
$0.52

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.

Revenue
AROW
AROW
RERE
RERE
Q2 24
$35.0M
Q1 24
$34.3M
Q4 23
$25.6M
Q3 23
$25.4M
Q2 23
$25.8M
Q1 23
$28.1M
$43.2M
Q4 22
$30.6M
Q3 22
$30.9M
Net Profit
AROW
AROW
RERE
RERE
Q2 24
$8.6M
Q1 24
$7.7M
Q4 23
$7.7M
Q3 23
$7.7M
Q2 23
$6.0M
Q1 23
$8.6M
$7.3M
Q4 22
$12.1M
Q3 22
$12.2M
Net Margin
AROW
AROW
RERE
RERE
Q2 24
24.6%
Q1 24
22.3%
Q4 23
30.2%
Q3 23
30.5%
Q2 23
23.5%
Q1 23
30.5%
16.9%
Q4 22
39.5%
Q3 22
39.4%
EPS (diluted)
AROW
AROW
RERE
RERE
Q2 24
$0.52
Q1 24
$0.45
Q4 23
$0.46
Q3 23
$0.46
Q2 23
$0.35
Q1 23
$0.50
Q4 22
$0.66
Q3 22
$0.72

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
AROW
AROW
RERE
RERE
Cash + ST InvestmentsLiquidity on hand
$228.0M
Total DebtLower is stronger
Stockholders' EquityBook value
$383.0M
$557.1M
Total Assets
$4.2B
$722.9M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
AROW
AROW
RERE
RERE
Q2 24
Q1 24
Q4 23
Q3 23
Q2 23
Q1 23
$228.0M
Q4 22
Q3 22
Total Debt
AROW
AROW
RERE
RERE
Q2 24
Q1 24
Q4 23
$6.5M
Q3 23
Q2 23
Q1 23
Q4 22
$27.8M
Q3 22
Stockholders' Equity
AROW
AROW
RERE
RERE
Q2 24
$383.0M
Q1 24
$378.0M
Q4 23
$379.8M
Q3 23
$360.0M
Q2 23
$361.4M
Q1 23
$363.4M
$557.1M
Q4 22
$353.5M
Q3 22
$345.6M
Total Assets
AROW
AROW
RERE
RERE
Q2 24
$4.2B
Q1 24
$4.3B
Q4 23
$4.2B
Q3 23
$4.3B
Q2 23
$4.1B
Q1 23
$4.1B
$722.9M
Q4 22
$4.0B
Q3 22
$4.2B
Debt / Equity
AROW
AROW
RERE
RERE
Q2 24
Q1 24
Q4 23
0.02×
Q3 23
Q2 23
Q1 23
Q4 22
0.08×
Q3 22

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
AROW
AROW
RERE
RERE
Operating Cash FlowLast quarter
$9.1M
Free Cash FlowOCF − Capex
$7.5M
FCF MarginFCF / Revenue
21.5%
Capex IntensityCapex / Revenue
4.5%
Cash ConversionOCF / Net Profit
1.06×
TTM Free Cash FlowTrailing 4 quarters
$9.6M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
AROW
AROW
RERE
RERE
Q2 24
$9.1M
Q1 24
$10.3M
Q4 23
$-16.3M
Q3 23
$11.2M
Q2 23
$12.5M
Q1 23
$13.2M
Q4 22
$11.5M
Q3 22
$17.5M
Free Cash Flow
AROW
AROW
RERE
RERE
Q2 24
$7.5M
Q1 24
$9.2M
Q4 23
$-16.9M
Q3 23
$9.8M
Q2 23
$10.1M
Q1 23
$10.6M
Q4 22
$8.2M
Q3 22
$12.7M
FCF Margin
AROW
AROW
RERE
RERE
Q2 24
21.5%
Q1 24
26.8%
Q4 23
-66.1%
Q3 23
38.6%
Q2 23
39.0%
Q1 23
37.7%
Q4 22
26.7%
Q3 22
41.1%
Capex Intensity
AROW
AROW
RERE
RERE
Q2 24
4.5%
Q1 24
3.4%
Q4 23
2.4%
Q3 23
5.6%
Q2 23
9.4%
Q1 23
9.4%
Q4 22
10.9%
Q3 22
15.6%
Cash Conversion
AROW
AROW
RERE
RERE
Q2 24
1.06×
Q1 24
1.35×
Q4 23
-2.11×
Q3 23
1.45×
Q2 23
2.06×
Q1 23
1.54×
Q4 22
0.95×
Q3 22
1.44×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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