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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $138.0M, roughly 1.6× COASTAL FINANCIAL CORP). On growth, UNIVERSAL TECHNICAL INSTITUTE INC posted the faster year-over-year revenue change (9.6% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-19.2M). Over the past eight quarters, UNIVERSAL TECHNICAL INSTITUTE INC's revenue compounded faster (9.5% 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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
CCB vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $220.8M |
| Net Profit | — | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 12.4% | 7.1% |
| Net Margin | — | 5.8% |
| Revenue YoY | -5.8% | 9.6% |
| Net Profit YoY | — | -42.1% |
| EPS (diluted) | $0.84 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $144.7M | $222.4M | ||
| Q2 25 | $119.4M | $204.3M | ||
| Q1 25 | $139.5M | $207.4M | ||
| Q4 24 | $146.5M | $201.4M | ||
| Q3 24 | $151.1M | $196.4M | ||
| Q2 24 | $135.3M | $177.5M | ||
| Q1 24 | $148.4M | $184.2M |
| Q4 25 | — | $12.8M | ||
| Q3 25 | $13.6M | $18.8M | ||
| Q2 25 | $11.0M | $10.7M | ||
| Q1 25 | $9.7M | $11.4M | ||
| Q4 24 | — | $22.2M | ||
| Q3 24 | $13.5M | $18.8M | ||
| Q2 24 | $11.6M | $5.0M | ||
| Q1 24 | $6.8M | $7.8M |
| Q4 25 | 12.4% | 7.1% | ||
| Q3 25 | 12.4% | 11.2% | ||
| Q2 25 | 12.0% | 6.9% | ||
| Q1 25 | 8.4% | 8.1% | ||
| Q4 24 | 11.7% | 13.6% | ||
| Q3 24 | 10.8% | 13.3% | ||
| Q2 24 | 11.1% | 4.2% | ||
| Q1 24 | 5.9% | 6.1% |
| Q4 25 | — | 5.8% | ||
| Q3 25 | 9.4% | 8.4% | ||
| Q2 25 | 9.2% | 5.2% | ||
| Q1 25 | 7.0% | 5.5% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | 8.9% | 9.6% | ||
| Q2 24 | 8.6% | 2.8% | ||
| Q1 24 | 4.6% | 4.2% |
| Q4 25 | $0.84 | $0.23 | ||
| Q3 25 | $0.88 | $0.33 | ||
| Q2 25 | $0.71 | $0.19 | ||
| Q1 25 | $0.63 | $0.21 | ||
| Q4 24 | $0.95 | $0.40 | ||
| Q3 24 | $0.97 | $0.35 | ||
| Q2 24 | $0.84 | $0.09 | ||
| 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 | — | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $491.0M | $335.9M |
| Total Assets | $4.7B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $162.8M | ||
| Q3 25 | — | $169.1M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $96.0M | ||
| Q4 24 | — | $172.0M | ||
| Q3 24 | — | $161.9M | ||
| Q2 24 | — | $115.5M | ||
| Q1 24 | — | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $491.0M | $335.9M | ||
| Q3 25 | $475.3M | $328.1M | ||
| Q2 25 | $461.7M | $306.8M | ||
| Q1 25 | $449.9M | $293.9M | ||
| Q4 24 | $438.7M | $280.0M | ||
| Q3 24 | $331.9M | $260.2M | ||
| Q2 24 | $316.7M | $239.4M | ||
| Q1 24 | $303.7M | $232.6M |
| Q4 25 | $4.7B | $834.0M | ||
| Q3 25 | $4.6B | $826.1M | ||
| Q2 25 | $4.5B | $740.8M | ||
| Q1 25 | $4.3B | $720.4M | ||
| Q4 24 | $4.1B | $753.8M | ||
| Q3 24 | $4.1B | $744.6M | ||
| Q2 24 | $4.0B | $706.0M | ||
| Q1 24 | $3.9B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $246.1M | $-19.2M |
| FCF MarginFCF / Revenue | 178.3% | -8.7% |
| Capex IntensityCapex / Revenue | 6.1% | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $3.1M | ||
| Q3 25 | $59.0M | $57.1M | ||
| Q2 25 | $66.0M | $18.1M | ||
| Q1 25 | $71.7M | $-789.0K | ||
| Q4 24 | $259.8M | $23.0M | ||
| Q3 24 | $62.6M | $67.5M | ||
| Q2 24 | $72.1M | $10.0M | ||
| Q1 24 | $56.8M | $-2.5M |
| Q4 25 | $246.1M | $-19.2M | ||
| Q3 25 | $57.4M | $40.6M | ||
| Q2 25 | $64.0M | $6.8M | ||
| Q1 25 | $68.9M | $-11.7M | ||
| Q4 24 | $249.9M | $19.6M | ||
| Q3 24 | $60.2M | $60.0M | ||
| Q2 24 | $69.5M | $3.0M | ||
| Q1 24 | $55.0M | $-8.4M |
| Q4 25 | 178.3% | -8.7% | ||
| Q3 25 | 39.7% | 18.3% | ||
| Q2 25 | 53.6% | 3.4% | ||
| Q1 25 | 49.4% | -5.7% | ||
| Q4 24 | 170.6% | 9.7% | ||
| Q3 24 | 39.8% | 30.6% | ||
| Q2 24 | 51.3% | 1.7% | ||
| Q1 24 | 37.1% | -4.6% |
| Q4 25 | 6.1% | 10.1% | ||
| Q3 25 | 1.2% | 7.4% | ||
| Q2 25 | 1.7% | 5.5% | ||
| Q1 25 | 2.0% | 5.3% | ||
| Q4 24 | 6.8% | 1.7% | ||
| Q3 24 | 1.6% | 3.8% | ||
| Q2 24 | 1.9% | 4.0% | ||
| Q1 24 | 1.2% | 3.2% |
| Q4 25 | — | 0.24× | ||
| Q3 25 | 4.34× | 3.04× | ||
| Q2 25 | 5.99× | 1.69× | ||
| Q1 25 | 7.37× | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | 4.65× | 3.58× | ||
| Q2 24 | 6.22× | 2.01× | ||
| Q1 24 | 8.35× | -0.32× |
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% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
