vs
Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and ARS Pharmaceuticals, Inc. (SPRY). 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 $28.1M, roughly 1.3× ARS Pharmaceuticals, Inc.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -147.1%, a 165.8% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -67.6%).
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.
ARS Pharmaceuticals, Inc. is a late-stage biopharmaceutical firm specializing in the development and commercialization of novel therapies for severe allergic reactions, most notably needle-free epinephrine delivery solutions for anaphylaxis. It primarily operates in the North American market, catering to both pediatric and adult patient groups at risk of life-threatening allergic responses.
CFFI vs SPRY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $28.1M |
| Net Profit | $6.7M | $-41.3M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | -147.6% |
| Net Margin | 18.7% | -147.1% |
| Revenue YoY | 12.0% | -67.6% |
| Net Profit YoY | 11.0% | -182.8% |
| EPS (diluted) | $2.08 | $-0.41 |
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 | $28.1M | ||
| Q3 25 | $36.0M | $32.5M | ||
| Q2 25 | $36.4M | $15.7M | ||
| Q1 25 | $32.6M | $8.0M | ||
| Q4 24 | $32.0M | $86.6M | ||
| Q3 24 | $33.5M | $2.1M | ||
| Q2 24 | $31.2M | $500.0K | ||
| Q1 24 | $30.6M | $0 |
| Q4 25 | $6.7M | $-41.3M | ||
| Q3 25 | $7.1M | $-51.2M | ||
| Q2 25 | $7.7M | $-44.9M | ||
| Q1 25 | $5.4M | $-33.9M | ||
| Q4 24 | $6.0M | $49.9M | ||
| Q3 24 | $5.4M | $-19.1M | ||
| Q2 24 | $5.0M | $-12.5M | ||
| Q1 24 | $3.4M | $-10.3M |
| Q4 25 | 22.6% | -147.6% | ||
| Q3 25 | 24.5% | -163.7% | ||
| Q2 25 | 26.5% | -302.9% | ||
| Q1 25 | 20.0% | -466.3% | ||
| Q4 24 | 22.6% | 54.5% | ||
| Q3 24 | 19.9% | -1051.6% | ||
| Q2 24 | 20.0% | -3068.0% | ||
| Q1 24 | 13.1% | — |
| Q4 25 | 18.7% | -147.1% | ||
| Q3 25 | 19.6% | -157.4% | ||
| Q2 25 | 21.2% | -285.6% | ||
| Q1 25 | 16.5% | -425.7% | ||
| Q4 24 | 18.8% | 57.7% | ||
| Q3 24 | 16.1% | -925.0% | ||
| Q2 24 | 16.1% | -2503.2% | ||
| Q1 24 | 11.1% | — |
| Q4 25 | $2.08 | $-0.41 | ||
| Q3 25 | $2.18 | $-0.52 | ||
| Q2 25 | $2.37 | $-0.46 | ||
| Q1 25 | $1.66 | $-0.35 | ||
| Q4 24 | $1.85 | $0.52 | ||
| Q3 24 | $1.65 | $-0.20 | ||
| Q2 24 | $1.50 | $-0.13 | ||
| Q1 24 | $1.01 | $-0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $245.0M |
| Total DebtLower is stronger | — | $96.4M |
| Stockholders' EquityBook value | $261.8M | $114.3M |
| Total Assets | $2.8B | $327.7M |
| Debt / EquityLower = less leverage | — | 0.84× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $245.0M | ||
| Q3 25 | — | $288.2M | ||
| Q2 25 | — | $240.1M | ||
| Q1 25 | — | $275.7M | ||
| Q4 24 | — | $314.0M | ||
| Q3 24 | — | $204.6M | ||
| Q2 24 | — | $218.7M | ||
| Q1 24 | — | $223.6M |
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $96.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $114.3M | ||
| Q3 25 | $253.3M | $147.7M | ||
| Q2 25 | $240.3M | $192.3M | ||
| Q1 25 | $234.6M | $229.0M | ||
| Q4 24 | $226.4M | $256.8M | ||
| Q3 24 | $227.3M | $201.0M | ||
| Q2 24 | $218.5M | $215.2M | ||
| Q1 24 | $216.3M | $223.9M |
| Q4 25 | $2.8B | $327.7M | ||
| Q3 25 | $2.7B | $372.8M | ||
| Q2 25 | $2.7B | $313.5M | ||
| Q1 25 | $2.6B | $327.3M | ||
| Q4 24 | $2.6B | $351.2M | ||
| Q3 24 | $2.6B | $217.6M | ||
| Q2 24 | $2.5B | $222.0M | ||
| Q1 24 | $2.5B | $227.6M |
| Q4 25 | — | 0.84× | ||
| Q3 25 | — | 0.65× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-43.5M |
| Free Cash FlowOCF − Capex | $22.2M | — |
| FCF MarginFCF / Revenue | 61.8% | — |
| Capex IntensityCapex / Revenue | 6.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-43.5M | ||
| Q3 25 | $23.4M | $-47.0M | ||
| Q2 25 | $-4.4M | $-39.6M | ||
| Q1 25 | $3.2M | $-40.7M | ||
| Q4 24 | $36.8M | $42.0M | ||
| Q3 24 | $404.0K | $-14.5M | ||
| Q2 24 | $1.7M | $-7.3M | ||
| Q1 24 | $895.0K | $-6.7M |
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | $-47.2M | ||
| Q2 25 | $-5.0M | $-39.6M | ||
| Q1 25 | $2.9M | $-40.8M | ||
| Q4 24 | $33.3M | $41.7M | ||
| Q3 24 | $-1.6M | $-14.6M | ||
| Q2 24 | $1.2M | $-7.3M | ||
| Q1 24 | $410.0K | $-6.8M |
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | -145.4% | ||
| Q2 25 | -13.6% | -252.2% | ||
| Q1 25 | 9.0% | -512.1% | ||
| Q4 24 | 103.8% | 48.2% | ||
| Q3 24 | -4.9% | -706.3% | ||
| Q2 24 | 3.7% | -1463.4% | ||
| Q1 24 | 1.3% | — |
| Q4 25 | 6.5% | 0.0% | ||
| Q3 25 | 2.1% | 0.6% | ||
| Q2 25 | 1.6% | 0.3% | ||
| Q1 25 | 0.8% | 1.1% | ||
| Q4 24 | 10.9% | 0.3% | ||
| Q3 24 | 6.1% | 6.8% | ||
| Q2 24 | 1.7% | 7.6% | ||
| Q1 24 | 1.6% | — |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | 0.84× | ||
| 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% |
SPRY
| Products | $20.3M | 72% |
| Other | $7.8M | 28% |
