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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
ONESPAWORLD HOLDINGS Ltd is the larger business by last-quarter revenue ($242.1M vs $138.0M, roughly 1.8× COASTAL FINANCIAL CORP). On growth, ONESPAWORLD HOLDINGS Ltd posted the faster year-over-year revenue change (11.5% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $14.9M). Over the past eight quarters, ONESPAWORLD HOLDINGS Ltd's revenue compounded faster (7.1% 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.
CCB vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $242.1M |
| Net Profit | — | $12.1M |
| Gross Margin | — | — |
| Operating Margin | 12.4% | 6.8% |
| Net Margin | — | 5.0% |
| Revenue YoY | -5.8% | 11.5% |
| Net Profit YoY | — | -16.2% |
| EPS (diluted) | $0.84 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $144.7M | $258.5M | ||
| Q2 25 | $119.4M | $240.7M | ||
| Q1 25 | $139.5M | $219.6M | ||
| Q4 24 | $146.5M | $217.2M | ||
| Q3 24 | $151.1M | $241.7M | ||
| Q2 24 | $135.3M | $224.9M | ||
| Q1 24 | $148.4M | $211.2M |
| Q4 25 | — | $12.1M | ||
| Q3 25 | $13.6M | $24.3M | ||
| Q2 25 | $11.0M | $19.9M | ||
| Q1 25 | $9.7M | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | $13.5M | $21.6M | ||
| Q2 24 | $11.6M | $15.8M | ||
| Q1 24 | $6.8M | $21.2M |
| Q4 25 | 12.4% | 6.8% | ||
| Q3 25 | 12.4% | 10.2% | ||
| Q2 25 | 12.0% | 9.2% | ||
| Q1 25 | 8.4% | 7.7% | ||
| Q4 24 | 11.7% | 7.9% | ||
| Q3 24 | 10.8% | 10.3% | ||
| Q2 24 | 11.1% | 8.4% | ||
| Q1 24 | 5.9% | 8.0% |
| Q4 25 | — | 5.0% | ||
| Q3 25 | 9.4% | 9.4% | ||
| Q2 25 | 9.2% | 8.3% | ||
| Q1 25 | 7.0% | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 8.9% | 8.9% | ||
| Q2 24 | 8.6% | 7.0% | ||
| Q1 24 | 4.6% | 10.0% |
| Q4 25 | $0.84 | $0.12 | ||
| Q3 25 | $0.88 | $0.23 | ||
| Q2 25 | $0.71 | $0.19 | ||
| Q1 25 | $0.63 | $0.15 | ||
| Q4 24 | $0.95 | $0.13 | ||
| Q3 24 | $0.97 | $0.20 | ||
| Q2 24 | $0.84 | $0.15 | ||
| Q1 24 | $0.50 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $491.0M | $542.6M |
| Total Assets | $4.7B | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M | ||
| Q1 24 | — | $65.4M |
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
| Q4 25 | $491.0M | $542.6M | ||
| Q3 25 | $475.3M | $552.8M | ||
| Q2 25 | $461.7M | $548.3M | ||
| Q1 25 | $449.9M | $530.6M | ||
| Q4 24 | $438.7M | $554.5M | ||
| Q3 24 | $331.9M | $540.1M | ||
| Q2 24 | $316.7M | $532.7M | ||
| Q1 24 | $303.7M | $515.5M |
| Q4 25 | $4.7B | $707.1M | ||
| Q3 25 | $4.6B | $732.6M | ||
| Q2 25 | $4.5B | $731.8M | ||
| Q1 25 | $4.3B | $708.7M | ||
| Q4 24 | $4.1B | $746.4M | ||
| Q3 24 | $4.1B | $734.0M | ||
| Q2 24 | $4.0B | $756.8M | ||
| Q1 24 | $3.9B | $763.6M |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.27× |
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 | $20.0M |
| Free Cash FlowOCF − Capex | $246.1M | $14.9M |
| FCF MarginFCF / Revenue | 178.3% | 6.2% |
| Capex IntensityCapex / Revenue | 6.1% | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $20.0M | ||
| Q3 25 | $59.0M | $33.2M | ||
| Q2 25 | $66.0M | $20.3M | ||
| Q1 25 | $71.7M | $10.1M | ||
| Q4 24 | $259.8M | $16.6M | ||
| Q3 24 | $62.6M | $28.6M | ||
| Q2 24 | $72.1M | $18.7M | ||
| Q1 24 | $56.8M | $15.0M |
| Q4 25 | $246.1M | $14.9M | ||
| Q3 25 | $57.4M | $27.6M | ||
| Q2 25 | $64.0M | $17.6M | ||
| Q1 25 | $68.9M | $8.4M | ||
| Q4 24 | $249.9M | $13.2M | ||
| Q3 24 | $60.2M | $27.5M | ||
| Q2 24 | $69.5M | $17.6M | ||
| Q1 24 | $55.0M | $13.7M |
| Q4 25 | 178.3% | 6.2% | ||
| Q3 25 | 39.7% | 10.7% | ||
| Q2 25 | 53.6% | 7.3% | ||
| Q1 25 | 49.4% | 3.8% | ||
| Q4 24 | 170.6% | 6.1% | ||
| Q3 24 | 39.8% | 11.4% | ||
| Q2 24 | 51.3% | 7.8% | ||
| Q1 24 | 37.1% | 6.5% |
| Q4 25 | 6.1% | 2.1% | ||
| Q3 25 | 1.2% | 2.2% | ||
| Q2 25 | 1.7% | 1.1% | ||
| Q1 25 | 2.0% | 0.8% | ||
| Q4 24 | 6.8% | 1.5% | ||
| Q3 24 | 1.6% | 0.5% | ||
| Q2 24 | 1.9% | 0.5% | ||
| Q1 24 | 1.2% | 0.6% |
| Q4 25 | — | 1.65× | ||
| Q3 25 | 4.34× | 1.36× | ||
| Q2 25 | 5.99× | 1.02× | ||
| Q1 25 | 7.37× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 4.65× | 1.33× | ||
| Q2 24 | 6.22× | 1.19× | ||
| Q1 24 | 8.35× | 0.71× |
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% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
