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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and Commerce.com, Inc. (CMRC). Click either name above to swap in a different company.
COASTAL FINANCIAL CORP is the larger business by last-quarter revenue ($138.0M vs $89.5M, roughly 1.5× Commerce.com, Inc.). On growth, Commerce.com, Inc. posted the faster year-over-year revenue change (2.9% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-2.2M). Over the past eight quarters, Commerce.com, Inc.'s revenue compounded faster (5.5% CAGR vs -3.6%).
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
SPS Commerce, Inc. is a technology and application software company based in the United States that provides cloud-based supply chain management software. The company's headquarters are located in Minneapolis, Minnesota, but it also has a US office in New Jersey, and international locations in Amsterdam, Beijing, Breukelen, Hong Kong, Kyiv, Melbourne, Montpellier, Sydney, and Toronto.
CCB vs CMRC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $89.5M |
| Net Profit | — | $-8.4M |
| Gross Margin | — | 78.3% |
| Operating Margin | 12.4% | -7.4% |
| Net Margin | — | -9.3% |
| Revenue YoY | -5.8% | 2.9% |
| Net Profit YoY | — | -250.0% |
| EPS (diluted) | $0.84 | $-0.11 |
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 | $138.0M | $89.5M | ||
| Q3 25 | $144.7M | $86.0M | ||
| Q2 25 | $119.4M | $84.4M | ||
| Q1 25 | $139.5M | $82.4M | ||
| Q4 24 | $146.5M | $87.0M | ||
| Q3 24 | $151.1M | $83.7M | ||
| Q2 24 | $135.3M | $81.8M | ||
| Q1 24 | $148.4M | $80.4M |
| Q4 25 | — | $-8.4M | ||
| Q3 25 | $13.6M | $-2.2M | ||
| Q2 25 | $11.0M | $-8.4M | ||
| Q1 25 | $9.7M | $-353.0K | ||
| Q4 24 | — | $-2.4M | ||
| Q3 24 | $13.5M | $-7.0M | ||
| Q2 24 | $11.6M | $-11.3M | ||
| Q1 24 | $6.8M | $-6.4M |
| Q4 25 | — | 78.3% | ||
| Q3 25 | — | 78.4% | ||
| Q2 25 | — | 79.0% | ||
| Q1 25 | — | 79.4% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 76.3% | ||
| Q2 24 | — | 75.8% | ||
| Q1 24 | — | 77.1% |
| Q4 25 | 12.4% | -7.4% | ||
| Q3 25 | 12.4% | -0.5% | ||
| Q2 25 | 12.0% | -8.0% | ||
| Q1 25 | 8.4% | -2.9% | ||
| Q4 24 | 11.7% | -0.9% | ||
| Q3 24 | 10.8% | -23.0% | ||
| Q2 24 | 11.1% | -16.5% | ||
| Q1 24 | 5.9% | -10.2% |
| Q4 25 | — | -9.3% | ||
| Q3 25 | 9.4% | -2.6% | ||
| Q2 25 | 9.2% | -9.9% | ||
| Q1 25 | 7.0% | -0.4% | ||
| Q4 24 | — | -2.7% | ||
| Q3 24 | 8.9% | -8.4% | ||
| Q2 24 | 8.6% | -13.8% | ||
| Q1 24 | 4.6% | -8.0% |
| Q4 25 | $0.84 | $-0.11 | ||
| Q3 25 | $0.88 | $-0.03 | ||
| Q2 25 | $0.71 | $-0.10 | ||
| Q1 25 | $0.63 | $0.00 | ||
| Q4 24 | $0.95 | $-0.03 | ||
| Q3 24 | $0.97 | $-0.09 | ||
| Q2 24 | $0.84 | $-0.15 | ||
| Q1 24 | $0.50 | $-0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $141.1M |
| Total DebtLower is stronger | — | $157.0M |
| Stockholders' EquityBook value | $491.0M | $39.4M |
| Total Assets | $4.7B | $308.8M |
| Debt / EquityLower = less leverage | — | 3.99× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $141.1M | ||
| Q3 25 | — | $142.0M | ||
| Q2 25 | — | $134.5M | ||
| Q1 25 | — | $120.7M | ||
| Q4 24 | — | $178.2M | ||
| Q3 24 | — | $168.4M | ||
| Q2 24 | — | $275.8M | ||
| Q1 24 | — | $265.2M |
| Q4 25 | — | $157.0M | ||
| Q3 25 | — | $157.3M | ||
| Q2 25 | — | $157.5M | ||
| Q1 25 | — | $157.8M | ||
| Q4 24 | — | $216.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $340.9M | ||
| Q1 24 | — | $340.5M |
| Q4 25 | $491.0M | $39.4M | ||
| Q3 25 | $475.3M | $42.8M | ||
| Q2 25 | $461.7M | $38.8M | ||
| Q1 25 | $449.9M | $38.1M | ||
| Q4 24 | $438.7M | $33.4M | ||
| Q3 24 | $331.9M | $29.0M | ||
| Q2 24 | $316.7M | $26.1M | ||
| Q1 24 | $303.7M | $26.9M |
| Q4 25 | $4.7B | $308.8M | ||
| Q3 25 | $4.6B | $309.5M | ||
| Q2 25 | $4.5B | $302.5M | ||
| Q1 25 | $4.3B | $286.3M | ||
| Q4 24 | $4.1B | $340.3M | ||
| Q3 24 | $4.1B | $335.1M | ||
| Q2 24 | $4.0B | $452.5M | ||
| Q1 24 | $3.9B | $442.5M |
| Q4 25 | — | 3.99× | ||
| Q3 25 | — | 3.67× | ||
| Q2 25 | — | 4.06× | ||
| Q1 25 | — | 4.14× | ||
| Q4 24 | — | 6.49× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 13.06× | ||
| Q1 24 | — | 12.65× |
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 | $254.6M | $980.0K |
| Free Cash FlowOCF − Capex | $246.1M | $-2.2M |
| FCF MarginFCF / Revenue | 178.3% | -2.4% |
| Capex IntensityCapex / Revenue | 6.1% | 3.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $16.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $980.0K | ||
| Q3 25 | $59.0M | $10.6M | ||
| Q2 25 | $66.0M | $13.6M | ||
| Q1 25 | $71.7M | $401.0K | ||
| Q4 24 | $259.8M | $12.4M | ||
| Q3 24 | $62.6M | $5.6M | ||
| Q2 24 | $72.1M | $11.7M | ||
| Q1 24 | $56.8M | $-3.4M |
| Q4 25 | $246.1M | $-2.2M | ||
| Q3 25 | $57.4M | $7.6M | ||
| Q2 25 | $64.0M | $11.9M | ||
| Q1 25 | $68.9M | $-424.0K | ||
| Q4 24 | $249.9M | $11.6M | ||
| Q3 24 | $60.2M | $4.5M | ||
| Q2 24 | $69.5M | $10.7M | ||
| Q1 24 | $55.0M | $-4.2M |
| Q4 25 | 178.3% | -2.4% | ||
| Q3 25 | 39.7% | 8.8% | ||
| Q2 25 | 53.6% | 14.1% | ||
| Q1 25 | 49.4% | -0.5% | ||
| Q4 24 | 170.6% | 13.3% | ||
| Q3 24 | 39.8% | 5.4% | ||
| Q2 24 | 51.3% | 13.0% | ||
| Q1 24 | 37.1% | -5.3% |
| Q4 25 | 6.1% | 3.5% | ||
| Q3 25 | 1.2% | 3.4% | ||
| Q2 25 | 1.7% | 2.0% | ||
| Q1 25 | 2.0% | 1.0% | ||
| Q4 24 | 6.8% | 0.9% | ||
| Q3 24 | 1.6% | 1.3% | ||
| Q2 24 | 1.9% | 1.3% | ||
| Q1 24 | 1.2% | 1.0% |
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | — | ||
| Q2 25 | 5.99× | — | ||
| Q1 25 | 7.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.65× | — | ||
| Q2 24 | 6.22× | — | ||
| Q1 24 | 8.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
CMRC
| Subscription And Circulation | $65.2M | 73% |
| Partner And Services | $24.4M | 27% |
