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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Inogen Inc (INGN). Click either name above to swap in a different company.
Inogen Inc is the larger business by last-quarter revenue ($68.6M vs $35.9M, roughly 1.9× C & F FINANCIAL CORP). On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 3.4%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-1.9M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 4.2%).
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.
Inogen Inc is a medical technology firm specializing in the development, production and distribution of portable oxygen concentrators and associated respiratory care products. It caters primarily to patients with chronic respiratory conditions needing long-term oxygen therapy across North America, Europe and other global markets, focusing on home care and ambulatory patient segments to enhance users' quality of life.
CFFI vs INGN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $68.6M |
| Net Profit | $6.7M | — |
| Gross Margin | — | 51.4% |
| Operating Margin | 22.6% | -13.6% |
| Net Margin | 18.7% | — |
| Revenue YoY | 12.0% | 3.4% |
| Net Profit YoY | 11.0% | — |
| EPS (diluted) | $2.08 | $-0.26 |
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 | $68.6M | ||
| Q3 25 | $36.0M | $79.1M | ||
| Q2 25 | $36.4M | $79.2M | ||
| Q1 25 | $32.6M | $68.5M | ||
| Q4 24 | $32.0M | $66.3M | ||
| Q3 24 | $33.5M | $74.9M | ||
| Q2 24 | $31.2M | $74.4M | ||
| Q1 24 | $30.6M | $63.1M |
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | $-5.3M | ||
| Q2 25 | $7.7M | $-4.2M | ||
| Q1 25 | $5.4M | $-6.2M | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $5.4M | $-6.0M | ||
| Q2 24 | $5.0M | $-5.6M | ||
| Q1 24 | $3.4M | $-14.6M |
| Q4 25 | — | 51.4% | ||
| Q3 25 | — | 52.2% | ||
| Q2 25 | — | 52.2% | ||
| Q1 25 | — | 53.1% | ||
| Q4 24 | — | 54.7% | ||
| Q3 24 | — | 55.2% | ||
| Q2 24 | — | 57.4% | ||
| Q1 24 | — | 54.5% |
| Q4 25 | 22.6% | -13.6% | ||
| Q3 25 | 24.5% | -9.0% | ||
| Q2 25 | 26.5% | -7.7% | ||
| Q1 25 | 20.0% | -11.2% | ||
| Q4 24 | 22.6% | -17.2% | ||
| Q3 24 | 19.9% | -10.4% | ||
| Q2 24 | 20.0% | -9.5% | ||
| Q1 24 | 13.1% | -25.8% |
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | -6.7% | ||
| Q2 25 | 21.2% | -5.2% | ||
| Q1 25 | 16.5% | -9.0% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 16.1% | -8.0% | ||
| Q2 24 | 16.1% | -7.5% | ||
| Q1 24 | 11.1% | -23.1% |
| Q4 25 | $2.08 | $-0.26 | ||
| Q3 25 | $2.18 | $-0.20 | ||
| Q2 25 | $2.37 | $-0.15 | ||
| Q1 25 | $1.66 | $-0.25 | ||
| Q4 24 | $1.85 | $-0.41 | ||
| Q3 24 | $1.65 | $-0.25 | ||
| Q2 24 | $1.50 | $-0.24 | ||
| Q1 24 | $1.01 | $-0.62 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $103.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $192.2M |
| Total Assets | $2.8B | $298.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $103.7M | ||
| Q3 25 | — | $106.5M | ||
| Q2 25 | — | $103.7M | ||
| Q1 25 | — | $118.9M | ||
| Q4 24 | — | $113.8M | ||
| Q3 24 | — | $105.7M | ||
| Q2 24 | — | $97.9M | ||
| Q1 24 | — | $107.4M |
| Q4 25 | $261.8M | $192.2M | ||
| Q3 25 | $253.3M | $197.2M | ||
| Q2 25 | $240.3M | $199.5M | ||
| Q1 25 | $234.6M | $198.0M | ||
| Q4 24 | $226.4M | $173.9M | ||
| Q3 24 | $227.3M | $185.4M | ||
| Q2 24 | $218.5M | $187.6M | ||
| Q1 24 | $216.3M | $191.9M |
| Q4 25 | $2.8B | $298.6M | ||
| Q3 25 | $2.7B | $307.0M | ||
| Q2 25 | $2.7B | $312.0M | ||
| Q1 25 | $2.6B | $308.4M | ||
| Q4 24 | $2.6B | $296.2M | ||
| Q3 24 | $2.6B | $306.2M | ||
| Q2 24 | $2.5B | $308.9M | ||
| Q1 24 | $2.5B | $315.6M |
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 | $-943.0K |
| Free Cash FlowOCF − Capex | $22.2M | $-1.9M |
| FCF MarginFCF / Revenue | 61.8% | -2.8% |
| Capex IntensityCapex / Revenue | 6.5% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-13.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-943.0K | ||
| Q3 25 | $23.4M | $2.2M | ||
| Q2 25 | $-4.4M | $4.3M | ||
| Q1 25 | $3.2M | $-16.8M | ||
| Q4 24 | $36.8M | $-3.0M | ||
| Q3 24 | $404.0K | $7.0M | ||
| Q2 24 | $1.7M | $6.7M | ||
| Q1 24 | $895.0K | $-4.7M |
| Q4 25 | $22.2M | $-1.9M | ||
| Q3 25 | $22.7M | $1.6M | ||
| Q2 25 | $-5.0M | $3.7M | ||
| Q1 25 | $2.9M | $-17.1M | ||
| Q4 24 | $33.3M | $-3.3M | ||
| Q3 24 | $-1.6M | $5.3M | ||
| Q2 24 | $1.2M | $6.6M | ||
| Q1 24 | $410.0K | $-6.1M |
| Q4 25 | 61.8% | -2.8% | ||
| Q3 25 | 63.0% | 2.0% | ||
| Q2 25 | -13.6% | 4.6% | ||
| Q1 25 | 9.0% | -24.9% | ||
| Q4 24 | 103.8% | -5.0% | ||
| Q3 24 | -4.9% | 7.1% | ||
| Q2 24 | 3.7% | 8.9% | ||
| Q1 24 | 1.3% | -9.6% |
| Q4 25 | 6.5% | 1.4% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.9% | ||
| Q1 25 | 0.8% | 0.4% | ||
| Q4 24 | 10.9% | 0.5% | ||
| Q3 24 | 6.1% | 2.2% | ||
| Q2 24 | 1.7% | 0.1% | ||
| Q1 24 | 1.6% | 2.1% |
| 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% |
INGN
| Other | $36.1M | 53% |
| Non Us | $32.5M | 47% |
