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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and Katapult Holdings, Inc. (KPLT). Click either name above to swap in a different company.
Katapult Holdings, Inc. is the larger business by last-quarter revenue ($73.9M vs $72.9M, roughly 1.0× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 26.8%, a 1.6% gap on every dollar of revenue. On growth, Katapult Holdings, Inc. posted the faster year-over-year revenue change (17.3% vs 6.0%). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (6.7% CAGR vs 6.6%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
Katapult Holdings, Inc. is a U.S.-based fintech company that provides accessible point-of-sale lease-to-purchase solutions for consumers with limited or no traditional credit history. It partners with a wide network of e-commerce platforms and brick-and-mortar retail merchants across segments including electronics, furniture and home goods to offer flexible payment plans for customers to obtain needed products.
CPF vs KPLT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $73.9M |
| Net Profit | $20.7M | $19.8M |
| Gross Margin | — | 15.6% |
| Operating Margin | — | -1.4% |
| Net Margin | 28.4% | 26.8% |
| Revenue YoY | 6.0% | 17.3% |
| Net Profit YoY | 16.7% | 307.3% |
| EPS (diluted) | $0.78 | $3.69 |
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 | $72.9M | — | ||
| Q4 25 | $76.3M | $73.9M | ||
| Q3 25 | $74.8M | $74.0M | ||
| Q2 25 | $72.8M | $71.9M | ||
| Q1 25 | $68.8M | $71.9M | ||
| Q4 24 | $58.4M | $63.0M | ||
| Q3 24 | $66.6M | $60.3M | ||
| Q2 24 | $64.0M | $58.9M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $19.8M | ||
| Q3 25 | $18.6M | $-4.9M | ||
| Q2 25 | $18.3M | $-7.8M | ||
| Q1 25 | $17.8M | $-5.7M | ||
| Q4 24 | $11.3M | $-9.6M | ||
| Q3 24 | $13.3M | $-8.9M | ||
| Q2 24 | $15.8M | $-6.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 15.6% | ||
| Q3 25 | — | 19.7% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 19.9% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 19.8% | ||
| Q2 24 | — | 16.9% |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | -1.4% | ||
| Q3 25 | 31.6% | 3.3% | ||
| Q2 25 | 32.8% | -2.0% | ||
| Q1 25 | 32.8% | -0.7% | ||
| Q4 24 | 23.0% | -7.7% | ||
| Q3 24 | 25.6% | -7.4% | ||
| Q2 24 | 32.2% | -4.5% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 26.8% | ||
| Q3 25 | 24.8% | -6.7% | ||
| Q2 25 | 25.1% | -10.9% | ||
| Q1 25 | 25.8% | -7.9% | ||
| Q4 24 | 19.4% | -15.2% | ||
| Q3 24 | 20.0% | -14.7% | ||
| Q2 24 | 24.7% | -11.7% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $3.69 | ||
| Q3 25 | $0.69 | $-0.94 | ||
| Q2 25 | $0.67 | $-1.63 | ||
| Q1 25 | $0.65 | $-1.23 | ||
| Q4 24 | $0.42 | $-2.17 | ||
| Q3 24 | $0.49 | $-2.05 | ||
| Q2 24 | $0.58 | $-1.61 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $22.4M |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $-38.1M |
| Total Assets | $7.5B | $107.9M |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $22.4M | ||
| Q3 25 | — | $3.4M | ||
| Q2 25 | — | $3.7M | ||
| Q1 25 | — | $6.0M | ||
| Q4 24 | — | $3.5M | ||
| Q3 24 | — | $25.9M | ||
| Q2 24 | — | $33.7M |
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | — | ||
| Q3 25 | $131.5M | — | ||
| Q2 25 | $131.5M | — | ||
| Q1 25 | $131.4M | — | ||
| Q4 24 | $156.3M | — | ||
| Q3 24 | $156.3M | — | ||
| Q2 24 | $156.2M | — |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $-38.1M | ||
| Q3 25 | $588.1M | $-58.4M | ||
| Q2 25 | $568.9M | $-54.1M | ||
| Q1 25 | $557.4M | $-51.7M | ||
| Q4 24 | $538.4M | $-46.8M | ||
| Q3 24 | $543.7M | $-40.3M | ||
| Q2 24 | $518.6M | $-32.9M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $107.9M | ||
| Q3 25 | $7.4B | $85.9M | ||
| Q2 25 | $7.4B | $90.6M | ||
| Q1 25 | $7.4B | $88.5M | ||
| Q4 24 | $7.5B | $93.2M | ||
| Q3 24 | $7.4B | $92.0M | ||
| Q2 24 | $7.4B | $106.6M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | — | ||
| Q3 25 | 0.22× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.29× | — | ||
| Q3 24 | 0.29× | — | ||
| Q2 24 | 0.30× | — |
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 | — | $-11.9M |
| Free Cash FlowOCF − Capex | — | $-12.0M |
| FCF MarginFCF / Revenue | — | -16.2% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | -0.60× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $-11.9M | ||
| Q3 25 | $22.2M | $4.0M | ||
| Q2 25 | $34.3M | $-6.6M | ||
| Q1 25 | $20.4M | $3.4M | ||
| Q4 24 | $90.5M | $-32.6M | ||
| Q3 24 | $21.3M | $-5.4M | ||
| Q2 24 | $25.9M | $-628.0K |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $-12.0M | ||
| Q3 25 | $21.4M | $4.0M | ||
| Q2 25 | $32.3M | — | ||
| Q1 25 | $19.6M | $3.4M | ||
| Q4 24 | $75.4M | $-32.6M | ||
| Q3 24 | $15.6M | $-5.4M | ||
| Q2 24 | $21.3M | $-653.0K |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | -16.2% | ||
| Q3 25 | 28.6% | 5.4% | ||
| Q2 25 | 44.3% | — | ||
| Q1 25 | 28.4% | 4.7% | ||
| Q4 24 | 129.2% | -51.8% | ||
| Q3 24 | 23.5% | -9.0% | ||
| Q2 24 | 33.2% | -1.1% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.0% | ||
| Q3 25 | 1.2% | 0.0% | ||
| Q2 25 | 2.7% | 0.0% | ||
| Q1 25 | 1.3% | 0.0% | ||
| Q4 24 | 25.8% | 0.1% | ||
| Q3 24 | 8.5% | 0.0% | ||
| Q2 24 | 7.3% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | -0.60× | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 1.88× | — | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 7.98× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.64× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
