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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Lulu's Fashion Lounge Holdings, Inc. (LVLU). Click either name above to swap in a different company.
Lulu's Fashion Lounge Holdings, Inc. is the larger business by last-quarter revenue ($66.1M vs $35.9M, roughly 1.8× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -48.2%, a 66.9% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -11.8%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-2.6M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -14.7%).
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.
Lulu's Fashion Lounge Holdings, Inc. is a direct-to-consumer women's fashion retailer offering affordable, trendy apparel, footwear, and accessories. It primarily serves Gen Z and millennial consumers across North America, operating mainly via its e-commerce platform, with limited pop-up physical locations to boost customer engagement.
CFFI vs LVLU — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $66.1M |
| Net Profit | $6.7M | $-31.9M |
| Gross Margin | — | 37.9% |
| Operating Margin | 22.6% | -52.8% |
| Net Margin | 18.7% | -48.2% |
| Revenue YoY | 12.0% | -11.8% |
| Net Profit YoY | 11.0% | -340.9% |
| EPS (diluted) | $2.08 | $-13.46 |
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 | — | ||
| Q3 25 | $36.0M | — | ||
| Q2 25 | $36.4M | — | ||
| Q1 25 | $32.6M | — | ||
| Q4 24 | $32.0M | $66.1M | ||
| Q3 24 | $33.5M | $80.5M | ||
| Q2 24 | $31.2M | $92.0M | ||
| Q1 24 | $30.6M | $77.3M |
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | — | ||
| Q2 25 | $7.7M | — | ||
| Q1 25 | $5.4M | — | ||
| Q4 24 | $6.0M | $-31.9M | ||
| Q3 24 | $5.4M | $-6.9M | ||
| Q2 24 | $5.0M | $-10.8M | ||
| Q1 24 | $3.4M | $-5.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 37.9% | ||
| Q3 24 | — | 38.1% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 42.3% |
| Q4 25 | 22.6% | — | ||
| Q3 25 | 24.5% | — | ||
| Q2 25 | 26.5% | — | ||
| Q1 25 | 20.0% | — | ||
| Q4 24 | 22.6% | -52.8% | ||
| Q3 24 | 19.9% | -8.5% | ||
| Q2 24 | 20.0% | -4.9% | ||
| Q1 24 | 13.1% | -8.0% |
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | — | ||
| Q2 25 | 21.2% | — | ||
| Q1 25 | 16.5% | — | ||
| Q4 24 | 18.8% | -48.2% | ||
| Q3 24 | 16.1% | -8.5% | ||
| Q2 24 | 16.1% | -11.7% | ||
| Q1 24 | 11.1% | -7.4% |
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | — | ||
| Q2 25 | $2.37 | — | ||
| Q1 25 | $1.66 | — | ||
| Q4 24 | $1.85 | $-13.46 | ||
| Q3 24 | $1.65 | $-2.47 | ||
| Q2 24 | $1.50 | $-3.92 | ||
| Q1 24 | $1.01 | $-0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $4.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $13.4M |
| Total Assets | $2.8B | $108.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $1.8M | ||
| Q1 24 | — | $5.5M |
| Q4 25 | $261.8M | — | ||
| Q3 25 | $253.3M | — | ||
| Q2 25 | $240.3M | — | ||
| Q1 25 | $234.6M | — | ||
| Q4 24 | $226.4M | $13.4M | ||
| Q3 24 | $227.3M | $43.8M | ||
| Q2 24 | $218.5M | $48.7M | ||
| Q1 24 | $216.3M | $57.7M |
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.7B | — | ||
| Q2 25 | $2.7B | — | ||
| Q1 25 | $2.6B | — | ||
| Q4 24 | $2.6B | $108.2M | ||
| Q3 24 | $2.6B | $153.5M | ||
| Q2 24 | $2.5B | $145.3M | ||
| Q1 24 | $2.5B | $160.6M |
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 | $-2.5M |
| Free Cash FlowOCF − Capex | $22.2M | $-2.6M |
| FCF MarginFCF / Revenue | 61.8% | -3.9% |
| Capex IntensityCapex / Revenue | 6.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $1.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | — | ||
| Q3 25 | $23.4M | — | ||
| Q2 25 | $-4.4M | — | ||
| Q1 25 | $3.2M | — | ||
| Q4 24 | $36.8M | $-2.5M | ||
| Q3 24 | $404.0K | $-5.5M | ||
| Q2 24 | $1.7M | $3.7M | ||
| Q1 24 | $895.0K | $6.9M |
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | — | ||
| Q2 25 | $-5.0M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $33.3M | $-2.6M | ||
| Q3 24 | $-1.6M | $-5.9M | ||
| Q2 24 | $1.2M | $3.4M | ||
| Q1 24 | $410.0K | $6.4M |
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | — | ||
| Q2 25 | -13.6% | — | ||
| Q1 25 | 9.0% | — | ||
| Q4 24 | 103.8% | -3.9% | ||
| Q3 24 | -4.9% | -7.3% | ||
| Q2 24 | 3.7% | 3.7% | ||
| Q1 24 | 1.3% | 8.3% |
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 10.9% | 0.0% | ||
| Q3 24 | 6.1% | 0.5% | ||
| Q2 24 | 1.7% | 0.4% | ||
| Q1 24 | 1.6% | 0.7% |
| 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% |
LVLU
| Single Reportable Segment | $63.0M | 95% |
| Other | $2.4M | 4% |
| Stored Value Cards | $750.0K | 1% |
