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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and FUELCELL ENERGY INC (FCEL). Click either name above to swap in a different company.
FUELCELL ENERGY INC is the larger business by last-quarter revenue ($55.0M vs $35.9M, roughly 1.5× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -54.3%, a 73.0% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 11.5%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-23.9M). Over the past eight quarters, FUELCELL ENERGY INC's revenue compounded faster (81.6% CAGR vs 8.2%).
Sun Life Financial Inc. is a Canadian financial services company headquartered in Toronto, Ontario. Founded in 1865, it operates internationally in life insurance, wealth management, and asset management. As of 2024, the company manages over CAD$1.3 trillion in assets and serves clients in Canada, the United States, Asia, and other markets.
FuelCell Energy, Inc. is a publicly traded fuel cell company headquartered in Danbury, Connecticut. It designs, manufactures, operates and services power plants based on molten carbonate fuel cells.
CFFI vs FCEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $55.0M |
| Net Profit | $6.7M | $-29.9M |
| Gross Margin | — | -12.1% |
| Operating Margin | 22.6% | -51.5% |
| Net Margin | 18.7% | -54.3% |
| Revenue YoY | 12.0% | 11.5% |
| Net Profit YoY | 11.0% | 27.9% |
| EPS (diluted) | $2.08 | $-0.43 |
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 | $35.9M | $55.0M | ||
| Q3 25 | $36.0M | $46.7M | ||
| Q2 25 | $36.4M | $37.4M | ||
| Q1 25 | $32.6M | $19.0M | ||
| Q4 24 | $32.0M | $49.3M | ||
| Q3 24 | $33.5M | $23.7M | ||
| Q2 24 | $31.2M | $22.4M | ||
| Q1 24 | $30.6M | $16.7M |
| Q4 25 | $6.7M | $-29.9M | ||
| Q3 25 | $7.1M | $-91.7M | ||
| Q2 25 | $7.7M | $-38.0M | ||
| Q1 25 | $5.4M | $-28.3M | ||
| Q4 24 | $6.0M | $-41.4M | ||
| Q3 24 | $5.4M | $-32.7M | ||
| Q2 24 | $5.0M | $-32.1M | ||
| Q1 24 | $3.4M | $-19.8M |
| Q4 25 | — | -12.1% | ||
| Q3 25 | — | -11.0% | ||
| Q2 25 | — | -25.2% | ||
| Q1 25 | — | -27.4% | ||
| Q4 24 | — | -22.1% | ||
| Q3 24 | — | -26.2% | ||
| Q2 24 | — | -31.6% | ||
| Q1 24 | — | -70.2% |
| Q4 25 | 22.6% | -51.5% | ||
| Q3 25 | 24.5% | -204.0% | ||
| Q2 25 | 26.5% | -95.7% | ||
| Q1 25 | 20.0% | -172.9% | ||
| Q4 24 | 22.6% | -83.2% | ||
| Q3 24 | 19.9% | -141.9% | ||
| Q2 24 | 20.0% | -184.5% | ||
| Q1 24 | 13.1% | -254.5% |
| Q4 25 | 18.7% | -54.3% | ||
| Q3 25 | 19.6% | -196.1% | ||
| Q2 25 | 21.2% | -101.7% | ||
| Q1 25 | 16.5% | -149.1% | ||
| Q4 24 | 18.8% | -84.0% | ||
| Q3 24 | 16.1% | -137.8% | ||
| Q2 24 | 16.1% | -143.4% | ||
| Q1 24 | 11.1% | -118.6% |
| Q4 25 | $2.08 | $-0.43 | ||
| Q3 25 | $2.18 | $-3.78 | ||
| Q2 25 | $2.37 | $-1.79 | ||
| Q1 25 | $1.66 | $-1.42 | ||
| Q4 24 | $1.85 | $-2.29 | ||
| Q3 24 | $1.65 | $-1.99 | ||
| Q2 24 | $1.50 | $-2.18 | ||
| Q1 24 | $1.01 | $-1.37 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $278.1M |
| Total DebtLower is stronger | — | $103.8M |
| Stockholders' EquityBook value | $261.8M | $662.2M |
| Total Assets | $2.8B | $932.1M |
| Debt / EquityLower = less leverage | — | 0.16× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $278.1M | ||
| Q3 25 | — | $174.7M | ||
| Q2 25 | — | $177.0M | ||
| Q1 25 | — | $208.4M | ||
| Q4 24 | — | $257.3M | ||
| Q3 24 | — | $267.2M | ||
| Q2 24 | — | $260.1M | ||
| Q1 24 | — | $297.5M |
| Q4 25 | — | $103.8M | ||
| Q3 25 | — | $106.4M | ||
| Q2 25 | — | $109.4M | ||
| Q1 25 | — | $112.3M | ||
| Q4 24 | — | $115.7M | ||
| Q3 24 | — | $112.7M | ||
| Q2 24 | — | $116.2M | ||
| Q1 24 | — | $107.2M |
| Q4 25 | $261.8M | $662.2M | ||
| Q3 25 | $253.3M | $556.2M | ||
| Q2 25 | $240.3M | $609.2M | ||
| Q1 25 | $234.6M | $635.2M | ||
| Q4 24 | $226.4M | $656.9M | ||
| Q3 24 | $227.3M | $675.8M | ||
| Q2 24 | $218.5M | $639.8M | ||
| Q1 24 | $216.3M | $663.9M |
| Q4 25 | $2.8B | $932.1M | ||
| Q3 25 | $2.7B | $830.5M | ||
| Q2 25 | $2.7B | $883.8M | ||
| Q1 25 | $2.6B | $907.5M | ||
| Q4 24 | $2.6B | $944.1M | ||
| Q3 24 | $2.6B | $948.9M | ||
| Q2 24 | $2.5B | $916.8M | ||
| Q1 24 | $2.5B | $923.2M |
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.18× | ||
| Q1 24 | — | 0.16× |
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 | $24.5M | $-22.9M |
| Free Cash FlowOCF − Capex | $22.2M | $-23.9M |
| FCF MarginFCF / Revenue | 61.8% | -43.4% |
| Capex IntensityCapex / Revenue | 6.5% | 1.8% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-143.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-22.9M | ||
| Q3 25 | $23.4M | $-26.8M | ||
| Q2 25 | $-4.4M | $-29.9M | ||
| Q1 25 | $3.2M | $-45.7M | ||
| Q4 24 | $36.8M | $5.8M | ||
| Q3 24 | $404.0K | $-63.4M | ||
| Q2 24 | $1.7M | $-37.1M | ||
| Q1 24 | $895.0K | $-58.3M |
| Q4 25 | $22.2M | $-23.9M | ||
| Q3 25 | $22.7M | $-32.1M | ||
| Q2 25 | $-5.0M | $-35.2M | ||
| Q1 25 | $2.9M | $-52.8M | ||
| Q4 24 | $33.3M | $-4.7M | ||
| Q3 24 | $-1.6M | $-76.8M | ||
| Q2 24 | $1.2M | $-50.3M | ||
| Q1 24 | $410.0K | $-68.8M |
| Q4 25 | 61.8% | -43.4% | ||
| Q3 25 | 63.0% | -68.6% | ||
| Q2 25 | -13.6% | -94.0% | ||
| Q1 25 | 9.0% | -277.8% | ||
| Q4 24 | 103.8% | -9.5% | ||
| Q3 24 | -4.9% | -324.0% | ||
| Q2 24 | 3.7% | -224.5% | ||
| Q1 24 | 1.3% | -412.4% |
| Q4 25 | 6.5% | 1.8% | ||
| Q3 25 | 2.1% | 11.2% | ||
| Q2 25 | 1.6% | 14.1% | ||
| Q1 25 | 0.8% | 37.2% | ||
| Q4 24 | 10.9% | 21.4% | ||
| Q3 24 | 6.1% | 56.6% | ||
| Q2 24 | 1.7% | 58.9% | ||
| Q1 24 | 1.6% | 63.3% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.26× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
FCEL
| Other | $30.0M | 55% |
| Electricity Generation | $12.2M | 22% |
| Services | $7.3M | 13% |
| Advanced Technologies | $5.5M | 10% |
