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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and Phreesia, Inc. (PHR). Click either name above to swap in a different company.
Phreesia, Inc. is the larger business by last-quarter revenue ($120.3M vs $112.4M, roughly 1.1× BYLINE BANCORP, INC.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 3.5%, a 29.9% gap on every dollar of revenue. On growth, Phreesia, Inc. posted the faster year-over-year revenue change (12.7% vs 9.0%).
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.
Phreesia, Inc. is a software as a service company that offers healthcare organizations a set of applications to automate and manage patient intake.
BY vs PHR — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $120.3M |
| Net Profit | $37.6M | $4.3M |
| Gross Margin | — | — |
| Operating Margin | — | 3.1% |
| Net Margin | 33.4% | 3.5% |
| Revenue YoY | 9.0% | 12.7% |
| Net Profit YoY | 33.0% | 129.7% |
| EPS (diluted) | $0.83 | $0.07 |
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 | $120.3M | ||
| Q3 25 | $115.7M | $117.3M | ||
| Q2 25 | $110.5M | $115.9M | ||
| Q1 25 | $103.1M | — | ||
| Q4 24 | $104.7M | — | ||
| Q3 24 | $101.8M | — | ||
| Q2 24 | $99.4M | — |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $4.3M | ||
| Q3 25 | $37.2M | $654.0K | ||
| Q2 25 | $30.1M | $-3.9M | ||
| Q1 25 | $28.2M | — | ||
| Q4 24 | $30.3M | — | ||
| Q3 24 | $30.3M | — | ||
| Q2 24 | $29.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 3.1% | ||
| Q3 25 | 43.1% | -1.3% | ||
| Q2 25 | 35.2% | -2.8% | ||
| Q1 25 | 36.4% | — | ||
| Q4 24 | 38.6% | — | ||
| Q3 24 | 39.3% | — | ||
| Q2 24 | 40.4% | — |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 3.5% | ||
| Q3 25 | 32.1% | 0.6% | ||
| Q2 25 | 27.2% | -3.4% | ||
| Q1 25 | 27.4% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 29.8% | — | ||
| Q2 24 | 29.9% | — |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.07 | ||
| Q3 25 | $0.82 | $0.01 | ||
| Q2 25 | $0.66 | $-0.07 | ||
| Q1 25 | $0.64 | — | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.69 | — | ||
| 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 | $106.4M |
| Total DebtLower is stronger | — | $3.4M |
| Stockholders' EquityBook value | $1.3B | $320.3M |
| Total Assets | $9.9B | $423.5M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $106.4M | ||
| Q3 25 | $259.0M | $98.3M | ||
| Q2 25 | $218.3M | $90.9M | ||
| Q1 25 | $421.3M | — | ||
| Q4 24 | $563.1M | — | ||
| Q3 24 | $452.6M | — | ||
| Q2 24 | $730.5M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $3.4M | ||
| Q3 25 | — | $4.6M | ||
| Q2 25 | — | $6.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $320.3M | ||
| Q3 25 | $1.2B | $298.0M | ||
| Q2 25 | $1.2B | $282.2M | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.1B | — | ||
| Q2 24 | $1.0B | — |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $423.5M | ||
| Q3 25 | $9.8B | $408.6M | ||
| Q2 25 | $9.7B | $400.4M | ||
| Q1 25 | $9.6B | — | ||
| Q4 24 | $9.5B | — | ||
| Q3 24 | $9.4B | — | ||
| Q2 24 | $9.6B | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | 0.02× | ||
| Q2 25 | — | 0.02× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $15.5M |
| Free Cash FlowOCF − Capex | — | $12.2M |
| FCF MarginFCF / Revenue | — | 10.1% |
| Capex IntensityCapex / Revenue | — | 2.7% |
| Cash ConversionOCF / Net Profit | — | 3.62× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $15.5M | ||
| Q3 25 | $38.3M | $14.8M | ||
| Q2 25 | $16.3M | $14.8M | ||
| Q1 25 | $27.1M | — | ||
| Q4 24 | $175.2M | — | ||
| Q3 24 | $19.8M | — | ||
| Q2 24 | $40.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $12.2M | ||
| Q3 25 | $38.0M | $13.1M | ||
| Q2 25 | $15.2M | $11.3M | ||
| Q1 25 | $25.0M | — | ||
| Q4 24 | $171.2M | — | ||
| Q3 24 | $19.1M | — | ||
| Q2 24 | $39.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 10.1% | ||
| Q3 25 | 32.8% | 11.1% | ||
| Q2 25 | 13.7% | 9.8% | ||
| Q1 25 | 24.3% | — | ||
| Q4 24 | 163.5% | — | ||
| Q3 24 | 18.8% | — | ||
| Q2 24 | 39.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 2.7% | ||
| Q3 25 | 0.3% | 1.5% | ||
| Q2 25 | 1.0% | 3.0% | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 3.8% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 3.62× | ||
| Q3 25 | 1.03× | 22.68× | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 0.65× | — | ||
| Q2 24 | 1.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
PHR
| Subscription And Services | $55.5M | 46% |
| Network Solutions | $37.4M | 31% |
| Payment Processing Fees | $27.4M | 23% |
