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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and DESCARTES SYSTEMS GROUP INC (DSGX). Click either name above to swap in a different company.
DESCARTES SYSTEMS GROUP INC is the larger business by last-quarter revenue ($179.8M vs $112.4M, roughly 1.6× BYLINE BANCORP, INC.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 21.1%, a 12.3% gap on every dollar of revenue.
Byline Bank is a bank headquartered in Chicago, Illinois, United States. It is the primary subsidiary of Byline Bancorp, Inc., a bank holding company, and the 4th largest SBA 7(a) lender.
The Descartes Systems Group Inc. is a Canadian multinational technology company specializing in logistics software, supply chain management software, and cloud-based services for logistics businesses.
BY vs DSGX — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $179.8M |
| Net Profit | $37.6M | $38.0M |
| Gross Margin | — | 76.9% |
| Operating Margin | — | 26.8% |
| Net Margin | 33.4% | 21.1% |
| Revenue YoY | 9.0% | — |
| Net Profit YoY | 33.0% | — |
| EPS (diluted) | $0.83 | $0.43 |
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.
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | — | ||
| Q3 25 | $115.7M | $179.8M | ||
| Q2 25 | $110.5M | — | ||
| Q1 25 | $103.1M | — | ||
| Q4 24 | $104.7M | — | ||
| Q3 24 | $101.8M | $163.4M | ||
| Q2 24 | $99.4M | — |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | — | ||
| Q3 25 | $37.2M | $38.0M | ||
| Q2 25 | $30.1M | — | ||
| Q1 25 | $28.2M | — | ||
| Q4 24 | $30.3M | — | ||
| Q3 24 | $30.3M | $34.7M | ||
| Q2 24 | $29.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 76.9% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 75.2% | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | — | ||
| Q3 25 | 43.1% | 26.8% | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 36.4% | — | ||
| Q4 24 | 38.6% | — | ||
| Q3 24 | 39.3% | 28.1% | ||
| Q2 24 | 40.4% | — |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | — | ||
| Q3 25 | 32.1% | 21.1% | ||
| Q2 25 | 27.2% | — | ||
| Q1 25 | 27.4% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 29.8% | 21.2% | ||
| Q2 24 | 29.9% | — |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | — | ||
| Q3 25 | $0.82 | $0.43 | ||
| Q2 25 | $0.66 | — | ||
| Q1 25 | $0.64 | — | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.69 | $0.40 | ||
| Q2 24 | $0.68 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $198.4M | $240.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $1.5B |
| Total Assets | $9.9B | $1.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | — | ||
| Q3 25 | $259.0M | $240.6M | ||
| Q2 25 | $218.3M | — | ||
| Q1 25 | $421.3M | — | ||
| Q4 24 | $563.1M | — | ||
| Q3 24 | $452.6M | $252.7M | ||
| Q2 24 | $730.5M | — |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.1B | $1.3B | ||
| Q2 24 | $1.0B | — |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | — | ||
| Q3 25 | $9.8B | $1.8B | ||
| Q2 25 | $9.7B | — | ||
| Q1 25 | $9.6B | — | ||
| Q4 24 | $9.5B | — | ||
| Q3 24 | $9.4B | $1.6B | ||
| Q2 24 | $9.6B | — |
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 | — | $63.3M |
| Free Cash FlowOCF − Capex | — | $62.1M |
| FCF MarginFCF / Revenue | — | 34.5% |
| Capex IntensityCapex / Revenue | — | 0.7% |
| Cash ConversionOCF / Net Profit | — | 1.67× |
| TTM Free Cash FlowTrailing 4 quarters | — | $189.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | — | ||
| Q3 25 | $38.3M | $63.3M | ||
| Q2 25 | $16.3M | — | ||
| Q1 25 | $27.1M | — | ||
| Q4 24 | $175.2M | — | ||
| Q3 24 | $19.8M | $34.7M | ||
| Q2 24 | $40.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | — | ||
| Q3 25 | $38.0M | $62.1M | ||
| Q2 25 | $15.2M | — | ||
| Q1 25 | $25.0M | — | ||
| Q4 24 | $171.2M | — | ||
| Q3 24 | $19.1M | $33.1M | ||
| Q2 24 | $39.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | — | ||
| Q3 25 | 32.8% | 34.5% | ||
| Q2 25 | 13.7% | — | ||
| Q1 25 | 24.3% | — | ||
| Q4 24 | 163.5% | — | ||
| Q3 24 | 18.8% | 20.2% | ||
| Q2 24 | 39.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | — | ||
| Q3 25 | 0.3% | 0.7% | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 3.8% | — | ||
| Q3 24 | 0.6% | 1.0% | ||
| Q2 24 | 0.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | 1.67× | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 0.65× | 1.00× | ||
| Q2 24 | 1.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
