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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and RE/MAX Holdings, Inc. (RMAX). Click either name above to swap in a different company.
RE/MAX Holdings, Inc. is the larger business by last-quarter revenue ($71.1M vs $35.9M, roughly 2.0× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 2.0%, a 16.6% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -1.8%). RE/MAX Holdings, Inc. produced more free cash flow last quarter ($33.5M vs $22.2M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -4.7%).
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.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
CFFI vs RMAX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $71.1M |
| Net Profit | $6.7M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 13.1% |
| Net Margin | 18.7% | 2.0% |
| Revenue YoY | 12.0% | -1.8% |
| Net Profit YoY | 11.0% | -75.2% |
| EPS (diluted) | $2.08 | — |
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 | $71.1M | ||
| Q3 25 | $36.0M | $73.2M | ||
| Q2 25 | $36.4M | $72.8M | ||
| Q1 25 | $32.6M | $74.5M | ||
| Q4 24 | $32.0M | $72.5M | ||
| Q3 24 | $33.5M | $78.5M | ||
| Q2 24 | $31.2M | $78.5M | ||
| Q1 24 | $30.6M | $78.3M |
| Q4 25 | $6.7M | $1.4M | ||
| Q3 25 | $7.1M | $4.0M | ||
| Q2 25 | $7.7M | $4.7M | ||
| Q1 25 | $5.4M | $-2.0M | ||
| Q4 24 | $6.0M | $5.8M | ||
| Q3 24 | $5.4M | $966.0K | ||
| Q2 24 | $5.0M | $3.7M | ||
| Q1 24 | $3.4M | $-3.4M |
| Q4 25 | 22.6% | 13.1% | ||
| Q3 25 | 24.5% | 25.0% | ||
| Q2 25 | 26.5% | 19.3% | ||
| Q1 25 | 20.0% | 7.2% | ||
| Q4 24 | 22.6% | 5.9% | ||
| Q3 24 | 19.9% | 19.4% | ||
| Q2 24 | 20.0% | 20.6% | ||
| Q1 24 | 13.1% | 5.8% |
| Q4 25 | 18.7% | 2.0% | ||
| Q3 25 | 19.6% | 5.4% | ||
| Q2 25 | 21.2% | 6.4% | ||
| Q1 25 | 16.5% | -2.6% | ||
| Q4 24 | 18.8% | 8.0% | ||
| Q3 24 | 16.1% | 1.2% | ||
| Q2 24 | 16.1% | 4.7% | ||
| Q1 24 | 11.1% | -4.3% |
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | — | ||
| Q2 25 | $2.37 | — | ||
| Q1 25 | $1.66 | — | ||
| Q4 24 | $1.85 | — | ||
| Q3 24 | $1.65 | — | ||
| Q2 24 | $1.50 | — | ||
| Q1 24 | $1.01 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $118.7M |
| Total DebtLower is stronger | — | $432.2M |
| Stockholders' EquityBook value | $261.8M | $452.4M |
| Total Assets | $2.8B | $582.5M |
| Debt / EquityLower = less leverage | — | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M | ||
| Q1 24 | — | $82.1M |
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
| Q4 25 | $261.8M | $452.4M | ||
| Q3 25 | $253.3M | $448.1M | ||
| Q2 25 | $240.3M | $442.4M | ||
| Q1 25 | $234.6M | $433.5M | ||
| Q4 24 | $226.4M | $429.5M | ||
| Q3 24 | $227.3M | $423.1M | ||
| Q2 24 | $218.5M | $418.4M | ||
| Q1 24 | $216.3M | $412.0M |
| Q4 25 | $2.8B | $582.5M | ||
| Q3 25 | $2.7B | $582.2M | ||
| Q2 25 | $2.7B | $574.8M | ||
| Q1 25 | $2.6B | $571.4M | ||
| Q4 24 | $2.6B | $581.6M | ||
| Q3 24 | $2.6B | $578.6M | ||
| Q2 24 | $2.5B | $571.4M | ||
| Q1 24 | $2.5B | $566.7M |
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| Free Cash FlowOCF − Capex | $22.2M | $33.5M |
| FCF MarginFCF / Revenue | 61.8% | 47.1% |
| Capex IntensityCapex / Revenue | 6.5% | 10.4% |
| Cash ConversionOCF / Net Profit | 3.65× | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $40.9M | ||
| Q3 25 | $23.4M | $17.7M | ||
| Q2 25 | $-4.4M | $4.6M | ||
| Q1 25 | $3.2M | $5.7M | ||
| Q4 24 | $36.8M | $59.7M | ||
| Q3 24 | $404.0K | $17.6M | ||
| Q2 24 | $1.7M | $15.9M | ||
| Q1 24 | $895.0K | $9.4M |
| Q4 25 | $22.2M | $33.5M | ||
| Q3 25 | $22.7M | $16.4M | ||
| Q2 25 | $-5.0M | $2.9M | ||
| Q1 25 | $2.9M | $4.0M | ||
| Q4 24 | $33.3M | $53.0M | ||
| Q3 24 | $-1.6M | $16.3M | ||
| Q2 24 | $1.2M | $14.0M | ||
| Q1 24 | $410.0K | $6.8M |
| Q4 25 | 61.8% | 47.1% | ||
| Q3 25 | 63.0% | 22.4% | ||
| Q2 25 | -13.6% | 4.0% | ||
| Q1 25 | 9.0% | 5.3% | ||
| Q4 24 | 103.8% | 73.2% | ||
| Q3 24 | -4.9% | 20.8% | ||
| Q2 24 | 3.7% | 17.8% | ||
| Q1 24 | 1.3% | 8.6% |
| Q4 25 | 6.5% | 10.4% | ||
| Q3 25 | 2.1% | 1.8% | ||
| Q2 25 | 1.6% | 2.2% | ||
| Q1 25 | 0.8% | 2.3% | ||
| Q4 24 | 10.9% | 9.1% | ||
| Q3 24 | 6.1% | 1.7% | ||
| Q2 24 | 1.7% | 2.4% | ||
| Q1 24 | 1.6% | 3.3% |
| Q4 25 | 3.65× | 28.39× | ||
| Q3 25 | 3.31× | 4.45× | ||
| Q2 25 | -0.57× | 0.97× | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | 10.28× | ||
| Q3 24 | 0.07× | 18.22× | ||
| Q2 24 | 0.34× | 4.29× | ||
| 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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
