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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and GAIA, INC (GAIA). Click either name above to swap in a different company.
C & F FINANCIAL CORP is the larger business by last-quarter revenue ($35.9M vs $25.5M, roughly 1.4× GAIA, INC). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -0.3%, a 19.0% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 5.8%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $76.0K). Over the past eight quarters, GAIA, INC's revenue compounded faster (9.4% 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.
Gaia, Inc. is a publicly traded (NASDAQ:GAIA) American media company founded in 1988 by Jirka Rysavy in Louisville, Colorado. It owns and operates Gaia TV, a subscription video on-demand service consisting of original and licensed alternative media documentaries, including those on wellness, spirituality and conspiracy theories.
CFFI vs GAIA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $25.5M |
| Net Profit | $6.7M | $-75.0K |
| Gross Margin | — | 87.6% |
| Operating Margin | 22.6% | -2.6% |
| Net Margin | 18.7% | -0.3% |
| Revenue YoY | 12.0% | 5.8% |
| Net Profit YoY | 11.0% | 91.7% |
| EPS (diluted) | $2.08 | $-0.02 |
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 | $25.5M | ||
| Q3 25 | $36.0M | $25.0M | ||
| Q2 25 | $36.4M | $24.6M | ||
| Q1 25 | $32.6M | $23.8M | ||
| Q4 24 | $32.0M | $24.1M | ||
| Q3 24 | $33.5M | $22.0M | ||
| Q2 24 | $31.2M | $21.9M | ||
| Q1 24 | $30.6M | $21.3M |
| Q4 25 | $6.7M | $-75.0K | ||
| Q3 25 | $7.1M | $-1.2M | ||
| Q2 25 | $7.7M | $-2.0M | ||
| Q1 25 | $5.4M | $-1.2M | ||
| Q4 24 | $6.0M | $-907.0K | ||
| Q3 24 | $5.4M | $-1.2M | ||
| Q2 24 | $5.0M | $-2.2M | ||
| Q1 24 | $3.4M | $-971.0K |
| Q4 25 | — | 87.6% | ||
| Q3 25 | — | 86.4% | ||
| Q2 25 | — | 86.7% | ||
| Q1 25 | — | 87.7% | ||
| Q4 24 | — | 88.2% | ||
| Q3 24 | — | 86.1% | ||
| Q2 24 | — | 84.5% | ||
| Q1 24 | — | 85.3% |
| Q4 25 | 22.6% | -2.6% | ||
| Q3 25 | 24.5% | -5.0% | ||
| Q2 25 | 26.5% | -8.9% | ||
| Q1 25 | 20.0% | -4.3% | ||
| Q4 24 | 22.6% | -7.1% | ||
| Q3 24 | 19.9% | -5.3% | ||
| Q2 24 | 20.0% | -9.1% | ||
| Q1 24 | 13.1% | -4.0% |
| Q4 25 | 18.7% | -0.3% | ||
| Q3 25 | 19.6% | -4.6% | ||
| Q2 25 | 21.2% | -8.3% | ||
| Q1 25 | 16.5% | -5.1% | ||
| Q4 24 | 18.8% | -3.8% | ||
| Q3 24 | 16.1% | -5.4% | ||
| Q2 24 | 16.1% | -9.9% | ||
| Q1 24 | 11.1% | -4.6% |
| Q4 25 | $2.08 | $-0.02 | ||
| Q3 25 | $2.18 | $-0.05 | ||
| Q2 25 | $2.37 | $-0.07 | ||
| Q1 25 | $1.66 | $-0.04 | ||
| Q4 24 | $1.85 | $-0.03 | ||
| Q3 24 | $1.65 | $-0.05 | ||
| Q2 24 | $1.50 | $-0.09 | ||
| Q1 24 | $1.01 | $-0.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $13.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $87.9M |
| Total Assets | $2.8B | $154.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $13.5M | ||
| Q3 25 | — | $14.2M | ||
| Q2 25 | — | $13.9M | ||
| Q1 25 | — | $13.1M | ||
| Q4 24 | — | $5.9M | ||
| Q3 24 | — | $4.4M | ||
| Q2 24 | — | $5.5M | ||
| Q1 24 | — | $8.6M |
| Q4 25 | $261.8M | $87.9M | ||
| Q3 25 | $253.3M | $86.3M | ||
| Q2 25 | $240.3M | $85.7M | ||
| Q1 25 | $234.6M | $87.0M | ||
| Q4 24 | $226.4M | $80.7M | ||
| Q3 24 | $227.3M | $81.2M | ||
| Q2 24 | $218.5M | $82.1M | ||
| Q1 24 | $216.3M | $84.8M |
| Q4 25 | $2.8B | $154.6M | ||
| Q3 25 | $2.7B | $151.1M | ||
| Q2 25 | $2.7B | $147.0M | ||
| Q1 25 | $2.6B | $148.5M | ||
| Q4 24 | $2.6B | $141.2M | ||
| Q3 24 | $2.6B | $139.6M | ||
| Q2 24 | $2.5B | $142.1M | ||
| Q1 24 | $2.5B | $133.8M |
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 | $24.5M | $1.8M |
| Free Cash FlowOCF − Capex | $22.2M | $76.0K |
| FCF MarginFCF / Revenue | 61.8% | 0.3% |
| Capex IntensityCapex / Revenue | 6.5% | 6.6% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-377.0K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $1.8M | ||
| Q3 25 | $23.4M | $326.0K | ||
| Q2 25 | $-4.4M | $2.3M | ||
| Q1 25 | $3.2M | $1.3M | ||
| Q4 24 | $36.8M | $2.7M | ||
| Q3 24 | $404.0K | $409.0K | ||
| Q2 24 | $1.7M | $-2.1M | ||
| Q1 24 | $895.0K | $5.9M |
| Q4 25 | $22.2M | $76.0K | ||
| Q3 25 | $22.7M | $-1.6M | ||
| Q2 25 | $-5.0M | $880.0K | ||
| Q1 25 | $2.9M | $268.0K | ||
| Q4 24 | $33.3M | $1.6M | ||
| Q3 24 | $-1.6M | $-952.0K | ||
| Q2 24 | $1.2M | $-3.5M | ||
| Q1 24 | $410.0K | $4.9M |
| Q4 25 | 61.8% | 0.3% | ||
| Q3 25 | 63.0% | -6.4% | ||
| Q2 25 | -13.6% | 3.6% | ||
| Q1 25 | 9.0% | 1.1% | ||
| Q4 24 | 103.8% | 6.5% | ||
| Q3 24 | -4.9% | -4.3% | ||
| Q2 24 | 3.7% | -16.1% | ||
| Q1 24 | 1.3% | 22.8% |
| Q4 25 | 6.5% | 6.6% | ||
| Q3 25 | 2.1% | 7.7% | ||
| Q2 25 | 1.6% | 5.7% | ||
| Q1 25 | 0.8% | 4.3% | ||
| Q4 24 | 10.9% | 4.6% | ||
| Q3 24 | 6.1% | 6.2% | ||
| Q2 24 | 1.7% | 6.6% | ||
| Q1 24 | 1.6% | 5.0% |
| 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% |
GAIA
| US | $16.7M | 65% |
| Non Us | $8.8M | 35% |
