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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
Wheels Up Experience Inc. is the larger business by last-quarter revenue ($183.8M vs $138.0M, roughly 1.3× COASTAL FINANCIAL CORP). On growth, COASTAL FINANCIAL CORP posted the faster year-over-year revenue change (-5.8% vs -10.2%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-58.3M). Over the past eight quarters, Wheels Up Experience Inc.'s revenue compounded faster (-3.4% 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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
CCB vs UP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $183.8M |
| Net Profit | — | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | 12.4% | -0.9% |
| Net Margin | — | -15.7% |
| Revenue YoY | -5.8% | -10.2% |
| Net Profit YoY | — | 67.0% |
| EPS (diluted) | $0.84 | $-0.04 |
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 | $183.8M | ||
| Q3 25 | $144.7M | $185.5M | ||
| Q2 25 | $119.4M | $189.6M | ||
| Q1 25 | $139.5M | $177.5M | ||
| Q4 24 | $146.5M | $204.8M | ||
| Q3 24 | $151.1M | $193.9M | ||
| Q2 24 | $135.3M | $196.3M | ||
| Q1 24 | $148.4M | $197.1M |
| Q4 25 | — | $-28.9M | ||
| Q3 25 | $13.6M | $-83.7M | ||
| Q2 25 | $11.0M | $-82.3M | ||
| Q1 25 | $9.7M | $-99.3M | ||
| Q4 24 | — | $-87.5M | ||
| Q3 24 | $13.5M | $-57.7M | ||
| Q2 24 | $11.6M | $-97.0M | ||
| Q1 24 | $6.8M | $-97.4M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
| Q4 25 | 12.4% | -0.9% | ||
| Q3 25 | 12.4% | -33.1% | ||
| Q2 25 | 12.0% | -31.4% | ||
| Q1 25 | 8.4% | -45.5% | ||
| Q4 24 | 11.7% | -26.0% | ||
| Q3 24 | 10.8% | -21.6% | ||
| Q2 24 | 11.1% | -40.3% | ||
| Q1 24 | 5.9% | -42.9% |
| Q4 25 | — | -15.7% | ||
| Q3 25 | 9.4% | -45.1% | ||
| Q2 25 | 9.2% | -43.4% | ||
| Q1 25 | 7.0% | -55.9% | ||
| Q4 24 | — | -42.7% | ||
| Q3 24 | 8.9% | -29.8% | ||
| Q2 24 | 8.6% | -49.4% | ||
| Q1 24 | 4.6% | -49.4% |
| Q4 25 | $0.84 | $-0.04 | ||
| Q3 25 | $0.88 | $-0.12 | ||
| Q2 25 | $0.71 | $-0.12 | ||
| Q1 25 | $0.63 | $-0.14 | ||
| Q4 24 | $0.95 | $-0.13 | ||
| Q3 24 | $0.97 | $-0.08 | ||
| Q2 24 | $0.84 | $-0.14 | ||
| Q1 24 | $0.50 | $-0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $491.0M | $-392.1M |
| Total Assets | $4.7B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $133.9M | ||
| Q3 25 | — | $125.3M | ||
| Q2 25 | — | $107.0M | ||
| Q1 25 | — | $171.8M | ||
| Q4 24 | — | $216.4M | ||
| Q3 24 | — | $115.9M | ||
| Q2 24 | — | $141.5M | ||
| Q1 24 | — | $180.9M |
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M | ||
| Q1 24 | — | $603.2M |
| Q4 25 | $491.0M | $-392.1M | ||
| Q3 25 | $475.3M | $-374.5M | ||
| Q2 25 | $461.7M | $-347.8M | ||
| Q1 25 | $449.9M | $-288.1M | ||
| Q4 24 | $438.7M | $-202.1M | ||
| Q3 24 | $331.9M | $-117.7M | ||
| Q2 24 | $316.7M | $-72.2M | ||
| Q1 24 | $303.7M | $936.0K |
| Q4 25 | $4.7B | $968.8M | ||
| Q3 25 | $4.6B | $973.0M | ||
| Q2 25 | $4.5B | $1.0B | ||
| Q1 25 | $4.3B | $1.1B | ||
| Q4 24 | $4.1B | $1.2B | ||
| Q3 24 | $4.1B | $1.0B | ||
| Q2 24 | $4.0B | $1.1B | ||
| Q1 24 | $3.9B | $1.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 644.43× |
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 | $-18.4M |
| Free Cash FlowOCF − Capex | $246.1M | $-58.3M |
| FCF MarginFCF / Revenue | 178.3% | -31.7% |
| Capex IntensityCapex / Revenue | 6.1% | 21.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $-18.4M | ||
| Q3 25 | $59.0M | $-37.1M | ||
| Q2 25 | $66.0M | $-62.9M | ||
| Q1 25 | $71.7M | $-47.9M | ||
| Q4 24 | $259.8M | $37.9M | ||
| Q3 24 | $62.6M | $-16.9M | ||
| Q2 24 | $72.1M | $-25.2M | ||
| Q1 24 | $56.8M | $-73.8M |
| Q4 25 | $246.1M | $-58.3M | ||
| Q3 25 | $57.4M | $-60.4M | ||
| Q2 25 | $64.0M | $-78.6M | ||
| Q1 25 | $68.9M | $-62.6M | ||
| Q4 24 | $249.9M | $-70.2M | ||
| Q3 24 | $60.2M | $-21.9M | ||
| Q2 24 | $69.5M | $-30.8M | ||
| Q1 24 | $55.0M | $-77.8M |
| Q4 25 | 178.3% | -31.7% | ||
| Q3 25 | 39.7% | -32.6% | ||
| Q2 25 | 53.6% | -41.5% | ||
| Q1 25 | 49.4% | -35.3% | ||
| Q4 24 | 170.6% | -34.3% | ||
| Q3 24 | 39.8% | -11.3% | ||
| Q2 24 | 51.3% | -15.7% | ||
| Q1 24 | 37.1% | -39.5% |
| Q4 25 | 6.1% | 21.7% | ||
| Q3 25 | 1.2% | 12.5% | ||
| Q2 25 | 1.7% | 8.3% | ||
| Q1 25 | 2.0% | 8.3% | ||
| Q4 24 | 6.8% | 52.8% | ||
| Q3 24 | 1.6% | 2.6% | ||
| Q2 24 | 1.9% | 2.9% | ||
| Q1 24 | 1.2% | 2.0% |
| 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% |
UP
Segment breakdown not available.
