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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and UNIVEST FINANCIAL Corp (UVSP). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $87.5M, roughly 1.2× UNIVEST FINANCIAL Corp). UNIVEST FINANCIAL Corp runs the higher net margin — 31.0% vs 11.6%, a 19.3% gap on every dollar of revenue. Over the past eight quarters, UNIVEST FINANCIAL Corp's revenue compounded faster (10.2% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
Univest Financial Corp is a U.S. regional financial services holding company based in Pennsylvania. It offers banking, wealth management, insurance, and lending solutions for individual consumers, SMEs, and institutional clients across its Mid-Atlantic operating regions.
CSV vs UVSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $87.5M |
| Net Profit | $12.3M | $27.1M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | — |
| Net Margin | 11.6% | 31.0% |
| Revenue YoY | 8.0% | — |
| Net Profit YoY | 24.5% | — |
| EPS (diluted) | $0.76 | $0.96 |
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 | — | $87.5M | ||
| Q4 25 | $105.5M | $84.6M | ||
| Q3 25 | $102.7M | $83.2M | ||
| Q2 25 | $102.1M | $81.0M | ||
| Q1 25 | $107.1M | $79.2M | ||
| Q4 24 | $97.7M | $76.8M | ||
| Q3 24 | $100.7M | $73.4M | ||
| Q2 24 | $102.3M | $72.0M |
| Q1 26 | — | $27.1M | ||
| Q4 25 | $12.3M | $22.7M | ||
| Q3 25 | $6.6M | $25.6M | ||
| Q2 25 | $11.7M | $20.0M | ||
| Q1 25 | $20.9M | $22.4M | ||
| Q4 24 | $9.9M | $18.9M | ||
| Q3 24 | $9.9M | $18.6M | ||
| Q2 24 | $6.3M | $18.1M |
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | 34.0% | ||
| Q3 25 | 17.0% | 38.5% | ||
| Q2 25 | 23.5% | 30.9% | ||
| Q1 25 | 29.5% | 34.8% | ||
| Q4 24 | 21.6% | 30.9% | ||
| Q3 24 | 22.7% | 31.9% | ||
| Q2 24 | 18.0% | 31.4% |
| Q1 26 | — | 31.0% | ||
| Q4 25 | 11.6% | 26.9% | ||
| Q3 25 | 6.4% | 30.8% | ||
| Q2 25 | 11.5% | 24.7% | ||
| Q1 25 | 19.5% | 28.3% | ||
| Q4 24 | 10.1% | 24.7% | ||
| Q3 24 | 9.8% | 25.3% | ||
| Q2 24 | 6.1% | 25.1% |
| Q1 26 | — | $0.96 | ||
| Q4 25 | $0.76 | $0.78 | ||
| Q3 25 | $0.41 | $0.89 | ||
| Q2 25 | $0.74 | $0.69 | ||
| Q1 25 | $1.34 | $0.77 | ||
| Q4 24 | $0.62 | $0.64 | ||
| Q3 24 | $0.63 | $0.63 | ||
| Q2 24 | $0.40 | $0.62 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | $222.4M |
| Total DebtLower is stronger | — | $201.2M |
| Stockholders' EquityBook value | $254.8M | $952.0M |
| Total Assets | $1.3B | $8.1B |
| Debt / EquityLower = less leverage | — | 0.21× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $222.4M | ||
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — |
| Q1 26 | — | $201.2M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $952.0M | ||
| Q4 25 | $254.8M | $943.3M | ||
| Q3 25 | $242.1M | $933.2M | ||
| Q2 25 | $235.4M | $916.7M | ||
| Q1 25 | $223.1M | $903.5M | ||
| Q4 24 | $208.6M | $887.3M | ||
| Q3 24 | $198.1M | $877.1M | ||
| Q2 24 | $187.9M | $854.1M |
| Q1 26 | — | $8.1B | ||
| Q4 25 | $1.3B | $8.4B | ||
| Q3 25 | $1.3B | $8.6B | ||
| Q2 25 | $1.3B | $7.9B | ||
| Q1 25 | $1.3B | $8.0B | ||
| Q4 24 | $1.3B | $8.1B | ||
| Q3 24 | $1.3B | $8.2B | ||
| Q2 24 | $1.3B | $7.9B |
| Q1 26 | — | 0.21× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $14.1M | — |
| Free Cash FlowOCF − Capex | $6.2M | — |
| FCF MarginFCF / Revenue | 5.9% | — |
| Capex IntensityCapex / Revenue | 7.5% | — |
| Cash ConversionOCF / Net Profit | 1.15× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $101.5M | ||
| Q3 25 | $24.7M | $32.0M | ||
| Q2 25 | $8.1M | $23.3M | ||
| Q1 25 | $13.8M | $15.6M | ||
| Q4 24 | $9.3M | $75.1M | ||
| Q3 24 | $20.9M | $38.9M | ||
| Q2 24 | $2.2M | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $96.9M | ||
| Q3 25 | $18.0M | $31.4M | ||
| Q2 25 | $5.2M | $21.9M | ||
| Q1 25 | $10.6M | $13.7M | ||
| Q4 24 | $4.9M | $72.0M | ||
| Q3 24 | $16.2M | $38.3M | ||
| Q2 24 | $-1.4M | $-4.2M |
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | 114.6% | ||
| Q3 25 | 17.5% | 37.7% | ||
| Q2 25 | 5.1% | 27.0% | ||
| Q1 25 | 9.9% | 17.2% | ||
| Q4 24 | 5.0% | 93.8% | ||
| Q3 24 | 16.1% | 52.2% | ||
| Q2 24 | -1.4% | -5.9% |
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 5.4% | ||
| Q3 25 | 6.5% | 0.7% | ||
| Q2 25 | 2.8% | 1.7% | ||
| Q1 25 | 3.0% | 2.5% | ||
| Q4 24 | 4.5% | 4.0% | ||
| Q3 24 | 4.6% | 0.8% | ||
| Q2 24 | 3.5% | 1.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | 4.46× | ||
| Q3 25 | 3.76× | 1.25× | ||
| Q2 25 | 0.69× | 1.16× | ||
| Q1 25 | 0.66× | 0.70× | ||
| Q4 24 | 0.94× | 3.97× | ||
| Q3 24 | 2.11× | 2.09× | ||
| Q2 24 | 0.34× | -0.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
UVSP
| Net Interest Income | $63.4M | 72% |
| Noninterest Income | $24.1M | 28% |
