vs
Side-by-side financial comparison of CHOICE HOTELS INTERNATIONAL INC (CHH) and PROVIDENT FINANCIAL SERVICES INC (PFS). Click either name above to swap in a different company.
CHOICE HOTELS INTERNATIONAL INC is the larger business by last-quarter revenue ($340.6M vs $225.2M, roughly 1.5× PROVIDENT FINANCIAL SERVICES INC). PROVIDENT FINANCIAL SERVICES INC runs the higher net margin — 35.3% vs 5.9%, a 29.4% gap on every dollar of revenue. Over the past eight quarters, PROVIDENT FINANCIAL SERVICES INC's revenue compounded faster (17.3% CAGR vs -11.5%).
Choice Hotels International, Inc. is an American multinational hospitality company based in North Bethesda, Maryland. The company, which is one of the largest hotel chains in the world, owns various hotel brands ranging from upscale to economy. As of the end of 2024, Choice Hotels franchised nearly 7,600 hotels, representing over 650,000 rooms, in 46 countries and territories.
The PNC Financial Services Group, Inc. is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs. PNC Bank is one of the largest banks in the US by assets and by number of branches, deposits, and ATMs.
CHH vs PFS — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $340.6M | $225.2M |
| Net Profit | $20.0M | $79.4M |
| Gross Margin | — | — |
| Operating Margin | 17.6% | — |
| Net Margin | 5.9% | 35.3% |
| Revenue YoY | 2.3% | — |
| Net Profit YoY | -54.4% | 24.0% |
| EPS (diluted) | $0.44 | $0.61 |
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.
| Q1 26 | $340.6M | $225.2M | ||
| Q4 25 | $390.1M | $225.7M | ||
| Q3 25 | $447.3M | $221.8M | ||
| Q2 25 | $426.4M | $214.2M | ||
| Q1 25 | $332.9M | $208.8M | ||
| Q4 24 | $389.8M | $205.9M | ||
| Q3 24 | $428.0M | $210.6M | ||
| Q2 24 | $435.2M | $163.8M |
| Q1 26 | $20.0M | $79.4M | ||
| Q4 25 | $63.7M | — | ||
| Q3 25 | $180.0M | $71.7M | ||
| Q2 25 | $81.7M | $72.0M | ||
| Q1 25 | $44.5M | $64.0M | ||
| Q4 24 | $75.8M | — | ||
| Q3 24 | $105.7M | $46.4M | ||
| Q2 24 | $87.1M | $-11.5M |
| Q1 26 | 17.6% | — | ||
| Q4 25 | 26.0% | 49.7% | ||
| Q3 25 | 31.8% | 45.8% | ||
| Q2 25 | 29.2% | 47.8% | ||
| Q1 25 | 24.0% | 44.0% | ||
| Q4 24 | 30.6% | 30.5% | ||
| Q3 24 | 35.5% | 31.0% | ||
| Q2 24 | 30.5% | -13.0% |
| Q1 26 | 5.9% | 35.3% | ||
| Q4 25 | 16.3% | — | ||
| Q3 25 | 40.2% | 32.3% | ||
| Q2 25 | 19.2% | 33.6% | ||
| Q1 25 | 13.4% | 30.7% | ||
| Q4 24 | 19.4% | — | ||
| Q3 24 | 24.7% | 22.0% | ||
| Q2 24 | 20.0% | -7.0% |
| Q1 26 | $0.44 | $0.61 | ||
| Q4 25 | $1.35 | $0.64 | ||
| Q3 25 | $3.86 | $0.55 | ||
| Q2 25 | $1.75 | $0.55 | ||
| Q1 25 | $0.94 | $0.49 | ||
| Q4 24 | $1.56 | $0.37 | ||
| Q3 24 | $2.22 | $0.36 | ||
| Q2 24 | $1.80 | $-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 | $43.9M | $222.1M |
| Total DebtLower is stronger | $2.0B | — |
| Stockholders' EquityBook value | $137.4M | $2.9B |
| Total Assets | $2.9B | $25.2B |
| Debt / EquityLower = less leverage | 14.58× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $43.9M | $222.1M | ||
| Q4 25 | $45.0M | $209.1M | ||
| Q3 25 | $52.6M | $299.2M | ||
| Q2 25 | $58.6M | $258.0M | ||
| Q1 25 | $40.1M | $234.1M | ||
| Q4 24 | $40.2M | $205.9M | ||
| Q3 24 | $58.6M | $244.0M | ||
| Q2 24 | $60.4M | $290.5M |
| Q1 26 | $2.0B | — | ||
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $1.9B | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.9B | — |
| Q1 26 | $137.4M | $2.9B | ||
| Q4 25 | $181.2M | $2.8B | ||
| Q3 25 | $149.8M | $2.8B | ||
| Q2 25 | $-26.2M | $2.7B | ||
| Q1 25 | $-63.9M | $2.7B | ||
| Q4 24 | $-45.3M | $2.6B | ||
| Q3 24 | $-96.2M | $2.6B | ||
| Q2 24 | $-146.8M | $2.6B |
| Q1 26 | $2.9B | $25.2B | ||
| Q4 25 | $2.9B | $25.0B | ||
| Q3 25 | $2.9B | $24.8B | ||
| Q2 25 | $2.7B | $24.5B | ||
| Q1 25 | $2.6B | $24.2B | ||
| Q4 24 | $2.5B | $24.1B | ||
| Q3 24 | $2.5B | $24.0B | ||
| Q2 24 | $2.5B | $24.1B |
| Q1 26 | 14.58× | — | ||
| Q4 25 | 10.52× | — | ||
| Q3 25 | 12.81× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CHH
| Franchise and management fees | $149.6M | 44% |
| Other | $135.8M | 40% |
| Owned hotels | $30.4M | 9% |
| Partnership services and fees | $24.7M | 7% |
PFS
| Net Interest Income | $193.7M | 86% |
| Noninterest Income | $31.5M | 14% |
