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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and Envela Corp (ELA). Click either name above to swap in a different company.
COASTAL FINANCIAL CORP is the larger business by last-quarter revenue ($138.0M vs $80.5M, roughly 1.7× Envela Corp). On growth, Envela Corp posted the faster year-over-year revenue change (66.6% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-3.7M). Over the past eight quarters, Envela Corp's revenue compounded faster (42.1% 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.
Envela Corporation is a U.S.-based company that provides recommerce services aimed at extending product lifecycles and reducing resource consumption. The company operates through two primary segments: consumer and commercial.
CCB vs ELA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $80.5M |
| Net Profit | — | $6.0M |
| Gross Margin | — | 20.5% |
| Operating Margin | 12.4% | 9.4% |
| Net Margin | — | 7.4% |
| Revenue YoY | -5.8% | 66.6% |
| Net Profit YoY | — | 274.6% |
| EPS (diluted) | $0.84 | $0.22 |
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 | $80.5M | ||
| Q3 25 | $144.7M | $57.4M | ||
| Q2 25 | $119.4M | $54.9M | ||
| Q1 25 | $139.5M | $48.3M | ||
| Q4 24 | $146.5M | $48.3M | ||
| Q3 24 | $151.1M | $46.9M | ||
| Q2 24 | $135.3M | $45.3M | ||
| Q1 24 | $148.4M | $39.9M |
| Q4 25 | — | $6.0M | ||
| Q3 25 | $13.6M | $3.4M | ||
| Q2 25 | $11.0M | $2.8M | ||
| Q1 25 | $9.7M | $2.5M | ||
| Q4 24 | — | $1.6M | ||
| Q3 24 | $13.5M | $1.7M | ||
| Q2 24 | $11.6M | $1.6M | ||
| Q1 24 | $6.8M | $1.9M |
| Q4 25 | — | 20.5% | ||
| Q3 25 | — | 22.8% | ||
| Q2 25 | — | 22.6% | ||
| Q1 25 | — | 24.8% | ||
| Q4 24 | — | 23.1% | ||
| Q3 24 | — | 24.4% | ||
| Q2 24 | — | 25.1% | ||
| Q1 24 | — | 25.9% |
| Q4 25 | 12.4% | 9.4% | ||
| Q3 25 | 12.4% | 7.3% | ||
| Q2 25 | 12.0% | 5.9% | ||
| Q1 25 | 8.4% | 6.5% | ||
| Q4 24 | 11.7% | 3.9% | ||
| Q3 24 | 10.8% | 4.3% | ||
| Q2 24 | 11.1% | 4.2% | ||
| Q1 24 | 5.9% | 5.9% |
| Q4 25 | — | 7.4% | ||
| Q3 25 | 9.4% | 5.8% | ||
| Q2 25 | 9.2% | 5.0% | ||
| Q1 25 | 7.0% | 5.2% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | 8.9% | 3.6% | ||
| Q2 24 | 8.6% | 3.5% | ||
| Q1 24 | 4.6% | 4.8% |
| Q4 25 | $0.84 | $0.22 | ||
| Q3 25 | $0.88 | $0.13 | ||
| Q2 25 | $0.71 | $0.11 | ||
| Q1 25 | $0.63 | $0.10 | ||
| Q4 24 | $0.95 | $0.07 | ||
| Q3 24 | $0.97 | $0.06 | ||
| Q2 24 | $0.84 | $0.06 | ||
| Q1 24 | $0.50 | $0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $9.9M |
| Stockholders' EquityBook value | $491.0M | $67.1M |
| Total Assets | $4.7B | $96.0M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $19.8M |
| Q4 25 | — | $9.9M | ||
| Q3 25 | — | $12.5M | ||
| Q2 25 | — | $13.0M | ||
| Q1 25 | — | $13.2M | ||
| Q4 24 | — | $13.5M | ||
| Q3 24 | — | $13.8M | ||
| Q2 24 | — | $14.3M | ||
| Q1 24 | — | $14.6M |
| Q4 25 | $491.0M | $67.1M | ||
| Q3 25 | $475.3M | $61.1M | ||
| Q2 25 | $461.7M | $57.8M | ||
| Q1 25 | $449.9M | $55.1M | ||
| Q4 24 | $438.7M | $52.7M | ||
| Q3 24 | $331.9M | $51.1M | ||
| Q2 24 | $316.7M | $50.2M | ||
| Q1 24 | $303.7M | $49.3M |
| Q4 25 | $4.7B | $96.0M | ||
| Q3 25 | $4.6B | $90.9M | ||
| Q2 25 | $4.5B | $82.7M | ||
| Q1 25 | $4.3B | $79.7M | ||
| Q4 24 | $4.1B | $77.9M | ||
| Q3 24 | $4.1B | $77.4M | ||
| Q2 24 | $4.0B | $73.8M | ||
| Q1 24 | $3.9B | $74.7M |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.20× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.26× | ||
| Q3 24 | — | 0.27× | ||
| Q2 24 | — | 0.29× | ||
| Q1 24 | — | 0.30× |
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 | $-3.5M |
| Free Cash FlowOCF − Capex | $246.1M | $-3.7M |
| FCF MarginFCF / Revenue | 178.3% | -4.6% |
| Capex IntensityCapex / Revenue | 6.1% | 0.2% |
| Cash ConversionOCF / Net Profit | — | -0.59× |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $1.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $-3.5M | ||
| Q3 25 | $59.0M | $2.4M | ||
| Q2 25 | $66.0M | $2.6M | ||
| Q1 25 | $71.7M | $1.1M | ||
| Q4 24 | $259.8M | $3.7M | ||
| Q3 24 | $62.6M | $3.4M | ||
| Q2 24 | $72.1M | $-789.5K | ||
| Q1 24 | $56.8M | $3.8M |
| Q4 25 | $246.1M | $-3.7M | ||
| Q3 25 | $57.4M | $2.2M | ||
| Q2 25 | $64.0M | $2.1M | ||
| Q1 25 | $68.9M | $746.6K | ||
| Q4 24 | $249.9M | $3.2M | ||
| Q3 24 | $60.2M | $1.5M | ||
| Q2 24 | $69.5M | $-1.3M | ||
| Q1 24 | $55.0M | $3.3M |
| Q4 25 | 178.3% | -4.6% | ||
| Q3 25 | 39.7% | 3.8% | ||
| Q2 25 | 53.6% | 3.9% | ||
| Q1 25 | 49.4% | 1.5% | ||
| Q4 24 | 170.6% | 6.7% | ||
| Q3 24 | 39.8% | 3.1% | ||
| Q2 24 | 51.3% | -2.9% | ||
| Q1 24 | 37.1% | 8.4% |
| Q4 25 | 6.1% | 0.2% | ||
| Q3 25 | 1.2% | 0.4% | ||
| Q2 25 | 1.7% | 0.8% | ||
| Q1 25 | 2.0% | 0.8% | ||
| Q4 24 | 6.8% | 1.0% | ||
| Q3 24 | 1.6% | 4.2% | ||
| Q2 24 | 1.9% | 1.1% | ||
| Q1 24 | 1.2% | 1.1% |
| Q4 25 | — | -0.59× | ||
| Q3 25 | 4.34× | 0.72× | ||
| Q2 25 | 5.99× | 0.94× | ||
| Q1 25 | 7.37× | 0.45× | ||
| Q4 24 | — | 2.34× | ||
| Q3 24 | 4.65× | 2.05× | ||
| Q2 24 | 6.22× | -0.50× | ||
| Q1 24 | 8.35× | 1.99× |
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% |
ELA
| Consumer Segment | $67.7M | 84% |
| Commercial Segment | $12.8M | 16% |
