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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $138.0M, roughly 1.1× COASTAL FINANCIAL CORP). On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
CCB vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $153.1M |
| Net Profit | — | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 12.4% | 12.0% |
| Net Margin | — | 4.8% |
| Revenue YoY | -5.8% | 22.3% |
| Net Profit YoY | — | 8.5% |
| EPS (diluted) | $0.84 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $144.7M | $138.0M | ||
| Q2 25 | $119.4M | $129.8M | ||
| Q1 25 | $139.5M | $122.8M | ||
| Q4 24 | $146.5M | $125.1M | ||
| Q3 24 | $151.1M | $124.8M | ||
| Q2 24 | $135.3M | $118.8M | ||
| Q1 24 | $148.4M | $111.9M |
| Q4 25 | — | $7.3M | ||
| Q3 25 | $13.6M | $2.3M | ||
| Q2 25 | $11.0M | $518.0K | ||
| Q1 25 | $9.7M | $4.8M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | $13.5M | $1.3M | ||
| Q2 24 | $11.6M | $6.0M | ||
| Q1 24 | $6.8M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 12.4% | 12.0% | ||
| Q3 25 | 12.4% | 9.4% | ||
| Q2 25 | 12.0% | 7.3% | ||
| Q1 25 | 8.4% | 11.5% | ||
| Q4 24 | 11.7% | 12.7% | ||
| Q3 24 | 10.8% | 14.3% | ||
| Q2 24 | 11.1% | 12.5% | ||
| Q1 24 | 5.9% | 12.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | 9.4% | 1.7% | ||
| Q2 25 | 9.2% | 0.4% | ||
| Q1 25 | 7.0% | 3.9% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 8.9% | 1.0% | ||
| Q2 24 | 8.6% | 5.1% | ||
| Q1 24 | 4.6% | 4.9% |
| Q4 25 | $0.84 | $0.62 | ||
| Q3 25 | $0.88 | $0.19 | ||
| Q2 25 | $0.71 | $0.04 | ||
| Q1 25 | $0.63 | $0.40 | ||
| Q4 24 | $0.95 | $0.56 | ||
| Q3 24 | $0.97 | $0.11 | ||
| Q2 24 | $0.84 | $0.51 | ||
| Q1 24 | $0.50 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $491.0M | $-17.3M |
| Total Assets | $4.7B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M | ||
| Q1 24 | — | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $491.0M | $-17.3M | ||
| Q3 25 | $475.3M | $-25.7M | ||
| Q2 25 | $461.7M | $-29.0M | ||
| Q1 25 | $449.9M | $-29.7M | ||
| Q4 24 | $438.7M | $-35.6M | ||
| Q3 24 | $331.9M | $-42.8M | ||
| Q2 24 | $316.7M | $-44.6M | ||
| Q1 24 | $303.7M | $-48.5M |
| Q4 25 | $4.7B | $403.2M | ||
| Q3 25 | $4.6B | $407.1M | ||
| Q2 25 | $4.5B | $399.8M | ||
| Q1 25 | $4.3B | $351.9M | ||
| Q4 24 | $4.1B | $349.7M | ||
| Q3 24 | $4.1B | $342.3M | ||
| Q2 24 | $4.0B | $321.4M | ||
| Q1 24 | $3.9B | $319.8M |
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 | $39.6M |
| Free Cash FlowOCF − Capex | $246.1M | $35.2M |
| FCF MarginFCF / Revenue | 178.3% | 23.0% |
| Capex IntensityCapex / Revenue | 6.1% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $39.6M | ||
| Q3 25 | $59.0M | $10.0M | ||
| Q2 25 | $66.0M | $4.3M | ||
| Q1 25 | $71.7M | $5.6M | ||
| Q4 24 | $259.8M | $26.7M | ||
| Q3 24 | $62.6M | $12.5M | ||
| Q2 24 | $72.1M | $-4.8M | ||
| Q1 24 | $56.8M | $8.9M |
| Q4 25 | $246.1M | $35.2M | ||
| Q3 25 | $57.4M | $5.3M | ||
| Q2 25 | $64.0M | $533.0K | ||
| Q1 25 | $68.9M | $292.0K | ||
| Q4 24 | $249.9M | $21.6M | ||
| Q3 24 | $60.2M | $11.1M | ||
| Q2 24 | $69.5M | $-6.0M | ||
| Q1 24 | $55.0M | $7.4M |
| Q4 25 | 178.3% | 23.0% | ||
| Q3 25 | 39.7% | 3.8% | ||
| Q2 25 | 53.6% | 0.4% | ||
| Q1 25 | 49.4% | 0.2% | ||
| Q4 24 | 170.6% | 17.3% | ||
| Q3 24 | 39.8% | 8.9% | ||
| Q2 24 | 51.3% | -5.0% | ||
| Q1 24 | 37.1% | 6.6% |
| Q4 25 | 6.1% | 2.9% | ||
| Q3 25 | 1.2% | 3.4% | ||
| Q2 25 | 1.7% | 2.9% | ||
| Q1 25 | 2.0% | 4.3% | ||
| Q4 24 | 6.8% | 4.0% | ||
| Q3 24 | 1.6% | 1.2% | ||
| Q2 24 | 1.9% | 1.0% | ||
| Q1 24 | 1.2% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | 4.34× | 4.32× | ||
| Q2 25 | 5.99× | 8.39× | ||
| Q1 25 | 7.37× | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | 4.65× | 9.70× | ||
| Q2 24 | 6.22× | -0.79× | ||
| Q1 24 | 8.35× | 1.63× |
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% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
