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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and Phreesia, Inc. (PHR). Click either name above to swap in a different company.
Phreesia, Inc. is the larger business by last-quarter revenue ($120.3M vs $72.9M, roughly 1.6× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 3.5%, a 24.9% gap on every dollar of revenue. On growth, Phreesia, Inc. posted the faster year-over-year revenue change (12.7% vs 6.0%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
Phreesia, Inc. is a software as a service company that offers healthcare organizations a set of applications to automate and manage patient intake.
CPF vs PHR — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $120.3M |
| Net Profit | $20.7M | $4.3M |
| Gross Margin | — | — |
| Operating Margin | — | 3.1% |
| Net Margin | 28.4% | 3.5% |
| Revenue YoY | 6.0% | 12.7% |
| Net Profit YoY | 16.7% | 129.7% |
| EPS (diluted) | $0.78 | $0.07 |
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 | $120.3M | ||
| Q3 25 | $74.8M | $117.3M | ||
| Q2 25 | $72.8M | $115.9M | ||
| Q1 25 | $68.8M | — | ||
| Q4 24 | $58.4M | — | ||
| Q3 24 | $66.6M | — | ||
| Q2 24 | $64.0M | — |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $4.3M | ||
| Q3 25 | $18.6M | $654.0K | ||
| Q2 25 | $18.3M | $-3.9M | ||
| Q1 25 | $17.8M | — | ||
| Q4 24 | $11.3M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $15.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | 3.1% | ||
| Q3 25 | 31.6% | -1.3% | ||
| Q2 25 | 32.8% | -2.8% | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 23.0% | — | ||
| Q3 24 | 25.6% | — | ||
| Q2 24 | 32.2% | — |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 3.5% | ||
| Q3 25 | 24.8% | 0.6% | ||
| Q2 25 | 25.1% | -3.4% | ||
| Q1 25 | 25.8% | — | ||
| Q4 24 | 19.4% | — | ||
| Q3 24 | 20.0% | — | ||
| Q2 24 | 24.7% | — |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $0.07 | ||
| Q3 25 | $0.69 | $0.01 | ||
| Q2 25 | $0.67 | $-0.07 | ||
| Q1 25 | $0.65 | — | ||
| Q4 24 | $0.42 | — | ||
| Q3 24 | $0.49 | — | ||
| Q2 24 | $0.58 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $106.4M |
| Total DebtLower is stronger | $76.5M | $3.4M |
| Stockholders' EquityBook value | $593.9M | $320.3M |
| Total Assets | $7.5B | $423.5M |
| Debt / EquityLower = less leverage | 0.13× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $106.4M | ||
| Q3 25 | — | $98.3M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | $3.4M | ||
| Q3 25 | $131.5M | $4.6M | ||
| Q2 25 | $131.5M | $6.2M | ||
| Q1 25 | $131.4M | — | ||
| Q4 24 | $156.3M | — | ||
| Q3 24 | $156.3M | — | ||
| Q2 24 | $156.2M | — |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $320.3M | ||
| Q3 25 | $588.1M | $298.0M | ||
| Q2 25 | $568.9M | $282.2M | ||
| Q1 25 | $557.4M | — | ||
| Q4 24 | $538.4M | — | ||
| Q3 24 | $543.7M | — | ||
| Q2 24 | $518.6M | — |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $423.5M | ||
| Q3 25 | $7.4B | $408.6M | ||
| Q2 25 | $7.4B | $400.4M | ||
| Q1 25 | $7.4B | — | ||
| Q4 24 | $7.5B | — | ||
| Q3 24 | $7.4B | — | ||
| Q2 24 | $7.4B | — |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | 0.01× | ||
| Q3 25 | 0.22× | 0.02× | ||
| Q2 25 | 0.23× | 0.02× | ||
| 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 | — | $15.5M |
| Free Cash FlowOCF − Capex | — | $12.2M |
| FCF MarginFCF / Revenue | — | 10.1% |
| Capex IntensityCapex / Revenue | — | 2.7% |
| Cash ConversionOCF / Net Profit | — | 3.62× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $15.5M | ||
| Q3 25 | $22.2M | $14.8M | ||
| Q2 25 | $34.3M | $14.8M | ||
| Q1 25 | $20.4M | — | ||
| Q4 24 | $90.5M | — | ||
| Q3 24 | $21.3M | — | ||
| Q2 24 | $25.9M | — |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $12.2M | ||
| Q3 25 | $21.4M | $13.1M | ||
| Q2 25 | $32.3M | $11.3M | ||
| Q1 25 | $19.6M | — | ||
| Q4 24 | $75.4M | — | ||
| Q3 24 | $15.6M | — | ||
| Q2 24 | $21.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 10.1% | ||
| Q3 25 | 28.6% | 11.1% | ||
| Q2 25 | 44.3% | 9.8% | ||
| Q1 25 | 28.4% | — | ||
| Q4 24 | 129.2% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 33.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 2.7% | ||
| Q3 25 | 1.2% | 1.5% | ||
| Q2 25 | 2.7% | 3.0% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 25.8% | — | ||
| Q3 24 | 8.5% | — | ||
| Q2 24 | 7.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 3.62× | ||
| Q3 25 | 1.20× | 22.68× | ||
| 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.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
PHR
| Subscription And Services | $55.5M | 46% |
| Network Solutions | $37.4M | 31% |
| Payment Processing Fees | $27.4M | 23% |
