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Side-by-side financial comparison of CATHAY GENERAL BANCORP (CATY) and Vroom, Inc. (VRM). Click either name above to swap in a different company.
Vroom, Inc. is the larger business by last-quarter revenue ($235.9M vs $222.8M, roughly 1.1× CATHAY GENERAL BANCORP). CATHAY GENERAL BANCORP runs the higher net margin — 653.4% vs -59.8%, a 713.2% gap on every dollar of revenue. On growth, CATHAY GENERAL BANCORP posted the faster year-over-year revenue change (19.5% vs 12.9%). CATHAY GENERAL BANCORP produced more free cash flow last quarter ($363.7M vs $-108.8M). Over the past eight quarters, CATHAY GENERAL BANCORP's revenue compounded faster (12.8% CAGR vs -49.5%).
Cathay General Bancorp is a U.S.-headquartered bank holding company that operates Cathay Bank, offering full-spectrum commercial and personal banking services. It primarily serves Asian American communities and small-to-medium enterprises across major U.S. states including California, New York and Texas, as well as select Asian markets, with products covering deposits, loans, and wealth management solutions.
Vroom, Inc. is a parent company of United Auto Credit Corporation (UACC) and CarStory. Previously, Vroom was a used car retailer and e-commerce company that let consumers buy, sell, and finance cars online. Vroom ceased e-commerce automotive sales operations on January 22, 2024.
CATY vs VRM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2023
| Metric | | |
|---|---|---|
| Revenue | $222.8M | $235.9M |
| Net Profit | $90.5M | $-141.1M |
| Gross Margin | — | 12.3% |
| Operating Margin | 50.9% | -11.5% |
| Net Margin | 653.4% | -59.8% |
| Revenue YoY | 19.5% | 12.9% |
| Net Profit YoY | 12.9% | -669.8% |
| EPS (diluted) | $1.33 | $-80.66 |
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 | $222.8M | — | ||
| Q3 25 | $210.6M | — | ||
| Q2 25 | $196.6M | — | ||
| Q1 25 | $187.8M | — | ||
| Q4 24 | $186.5M | — | ||
| Q3 24 | $189.5M | — | ||
| Q2 24 | $178.5M | — | ||
| Q1 24 | $175.2M | — |
| Q4 25 | $90.5M | — | ||
| Q3 25 | $77.7M | — | ||
| Q2 25 | $77.5M | — | ||
| Q1 25 | $69.5M | — | ||
| Q4 24 | $80.2M | — | ||
| Q3 24 | $67.5M | — | ||
| Q2 24 | $66.8M | — | ||
| Q1 24 | $71.4M | — |
| Q4 25 | 50.9% | — | ||
| Q3 25 | 44.5% | — | ||
| Q2 25 | 49.0% | — | ||
| Q1 25 | 46.1% | — | ||
| Q4 24 | 46.5% | — | ||
| Q3 24 | 41.2% | — | ||
| Q2 24 | 40.7% | — | ||
| Q1 24 | 45.7% | — |
| Q4 25 | 653.4% | — | ||
| Q3 25 | 36.9% | — | ||
| Q2 25 | 39.4% | — | ||
| Q1 25 | 37.0% | — | ||
| Q4 24 | 587.9% | — | ||
| Q3 24 | 35.6% | — | ||
| Q2 24 | 37.4% | — | ||
| Q1 24 | 40.8% | — |
| Q4 25 | $1.33 | — | ||
| Q3 25 | $1.13 | — | ||
| Q2 25 | $1.10 | — | ||
| Q1 25 | $0.98 | — | ||
| Q4 24 | $1.11 | — | ||
| Q3 24 | $0.94 | — | ||
| Q2 24 | $0.92 | — | ||
| Q1 24 | $0.98 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $135.6M |
| Total DebtLower is stronger | $119.1M | $454.2M |
| Stockholders' EquityBook value | $2.9B | $127.7M |
| Total Assets | $24.2B | $1.5B |
| Debt / EquityLower = less leverage | 0.04× | 3.56× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $119.1M | — | ||
| Q3 25 | $119.1M | — | ||
| Q2 25 | $119.1M | — | ||
| Q1 25 | $119.1M | — | ||
| Q4 24 | $119.1M | — | ||
| Q3 24 | $119.1M | — | ||
| Q2 24 | $119.1M | — | ||
| Q1 24 | $119.1M | — |
| Q4 25 | $2.9B | — | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $2.9B | — | ||
| Q1 25 | $2.9B | — | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | $2.8B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.8B | — |
| Q4 25 | $24.2B | — | ||
| Q3 25 | $24.1B | — | ||
| Q2 25 | $23.7B | — | ||
| Q1 25 | $23.2B | — | ||
| Q4 24 | $23.1B | — | ||
| Q3 24 | $23.3B | — | ||
| Q2 24 | $23.2B | — | ||
| Q1 24 | $23.4B | — |
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.04× | — |
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 | $368.6M | $-108.1M |
| Free Cash FlowOCF − Capex | $363.7M | $-108.8M |
| FCF MarginFCF / Revenue | 163.2% | -46.1% |
| Capex IntensityCapex / Revenue | 2.2% | 0.3% |
| Cash ConversionOCF / Net Profit | 4.07× | — |
| TTM Free Cash FlowTrailing 4 quarters | $672.7M | $-536.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $368.6M | — | ||
| Q3 25 | $150.6M | — | ||
| Q2 25 | $64.0M | — | ||
| Q1 25 | $99.0M | — | ||
| Q4 24 | $329.2M | — | ||
| Q3 24 | $81.2M | — | ||
| Q2 24 | $72.9M | — | ||
| Q1 24 | $88.2M | — |
| Q4 25 | $363.7M | — | ||
| Q3 25 | $150.1M | — | ||
| Q2 25 | $62.7M | — | ||
| Q1 25 | $96.3M | — | ||
| Q4 24 | $325.5M | — | ||
| Q3 24 | $80.0M | — | ||
| Q2 24 | $72.4M | — | ||
| Q1 24 | $87.3M | — |
| Q4 25 | 163.2% | — | ||
| Q3 25 | 71.3% | — | ||
| Q2 25 | 31.9% | — | ||
| Q1 25 | 51.2% | — | ||
| Q4 24 | 174.6% | — | ||
| Q3 24 | 42.2% | — | ||
| Q2 24 | 40.5% | — | ||
| Q1 24 | 49.8% | — |
| Q4 25 | 2.2% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 1.4% | — | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.5% | — |
| Q4 25 | 4.07× | — | ||
| Q3 25 | 1.94× | — | ||
| Q2 25 | 0.83× | — | ||
| Q1 25 | 1.42× | — | ||
| Q4 24 | 4.10× | — | ||
| Q3 24 | 1.20× | — | ||
| Q2 24 | 1.09× | — | ||
| Q1 24 | 1.23× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
