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Side-by-side financial comparison of Crexendo, Inc. (CXDO) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Ponce Financial Group, Inc. is the larger business by last-quarter revenue ($31.4M vs $18.1M, roughly 1.7× Crexendo, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 6.7%, a 29.5% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 11.2%). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 12.4%).
Crexendo, Inc. is a U.S.-headquartered cloud communications technology provider. It delivers unified communications as a service (UCaaS), contact center solutions, business VoIP services, and collaborative work tools, primarily catering to small and medium-sized enterprises operating in the North American market.
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
CXDO vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.1M | $31.4M |
| Net Profit | $1.2M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | 6.3% | 43.6% |
| Net Margin | 6.7% | 36.3% |
| Revenue YoY | 11.2% | 37.6% |
| Net Profit YoY | 140.2% | 245.6% |
| EPS (diluted) | $0.03 | $0.43 |
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 | $18.1M | $31.4M | ||
| Q3 25 | $17.5M | $26.7M | ||
| Q2 25 | $16.6M | $26.5M | ||
| Q1 25 | $16.1M | $24.6M | ||
| Q4 24 | $16.2M | $22.8M | ||
| Q3 24 | $15.6M | $20.2M | ||
| Q2 24 | $14.7M | $20.2M | ||
| Q1 24 | $14.3M | $20.5M |
| Q4 25 | $1.2M | $10.1M | ||
| Q3 25 | $1.4M | $6.5M | ||
| Q2 25 | $1.2M | $6.1M | ||
| Q1 25 | $1.2M | $6.0M | ||
| Q4 24 | $507.0K | $2.9M | ||
| Q3 24 | $148.0K | $2.4M | ||
| Q2 24 | $588.0K | $3.2M | ||
| Q1 24 | $434.0K | $2.4M |
| Q4 25 | 6.3% | 43.6% | ||
| Q3 25 | 7.5% | 32.8% | ||
| Q2 25 | 6.7% | 30.2% | ||
| Q1 25 | 7.2% | 32.5% | ||
| Q4 24 | 3.9% | 19.6% | ||
| Q3 24 | 0.9% | 15.2% | ||
| Q2 24 | 3.9% | 21.8% | ||
| Q1 24 | 3.4% | 18.3% |
| Q4 25 | 6.7% | 36.3% | ||
| Q3 25 | 8.3% | 24.3% | ||
| Q2 25 | 7.4% | 23.0% | ||
| Q1 25 | 7.3% | 24.2% | ||
| Q4 24 | 3.1% | 14.1% | ||
| Q3 24 | 0.9% | 12.1% | ||
| Q2 24 | 4.0% | 15.8% | ||
| Q1 24 | 3.0% | 11.8% |
| Q4 25 | $0.03 | $0.43 | ||
| Q3 25 | $0.05 | $0.27 | ||
| Q2 25 | $0.04 | $0.25 | ||
| Q1 25 | $0.04 | $0.25 | ||
| Q4 24 | $0.03 | $0.11 | ||
| Q3 24 | $0.00 | $0.10 | ||
| Q2 24 | $0.02 | $0.14 | ||
| Q1 24 | $0.01 | $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 | — | $126.2M |
| Total DebtLower is stronger | $114.0K | $596.1M |
| Stockholders' EquityBook value | $63.8M | $541.5M |
| Total Assets | $77.7M | $3.2B |
| Debt / EquityLower = less leverage | 0.00× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $126.2M | ||
| Q3 25 | — | $146.6M | ||
| Q2 25 | — | $126.6M | ||
| Q1 25 | — | $129.9M | ||
| Q4 24 | — | $139.8M | ||
| Q3 24 | — | $155.8M | ||
| Q2 24 | — | $103.2M | ||
| Q1 24 | — | $134.7M |
| Q4 25 | $114.0K | $596.1M | ||
| Q3 25 | $236.0K | $521.1M | ||
| Q2 25 | $356.0K | $536.1M | ||
| Q1 25 | $475.0K | $521.1M | ||
| Q4 24 | $592.0K | $596.1M | ||
| Q3 24 | $709.0K | $580.4M | ||
| Q2 24 | $823.0K | $680.4M | ||
| Q1 24 | $937.0K | $680.4M |
| Q4 25 | $63.8M | $541.5M | ||
| Q3 25 | $61.3M | $529.8M | ||
| Q2 25 | $58.3M | $521.1M | ||
| Q1 25 | $55.2M | $513.9M | ||
| Q4 24 | $51.4M | $505.5M | ||
| Q3 24 | $49.5M | $504.6M | ||
| Q2 24 | $48.2M | $497.7M | ||
| Q1 24 | $46.8M | $493.7M |
| Q4 25 | $77.7M | $3.2B | ||
| Q3 25 | $76.0M | $3.2B | ||
| Q2 25 | $71.4M | $3.2B | ||
| Q1 25 | $67.4M | $3.1B | ||
| Q4 24 | $64.9M | $3.0B | ||
| Q3 24 | $62.3M | $3.0B | ||
| Q2 24 | $59.6M | $2.8B | ||
| Q1 24 | $57.5M | $2.8B |
| Q4 25 | 0.00× | 1.10× | ||
| Q3 25 | 0.00× | 0.98× | ||
| Q2 25 | 0.01× | 1.03× | ||
| Q1 25 | 0.01× | 1.01× | ||
| Q4 24 | 0.01× | 1.18× | ||
| Q3 24 | 0.01× | 1.15× | ||
| Q2 24 | 0.02× | 1.37× | ||
| Q1 24 | 0.02× | 1.38× |
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 | $2.3M | $55.6M |
| Free Cash FlowOCF − Capex | — | $54.6M |
| FCF MarginFCF / Revenue | — | 173.9% |
| Capex IntensityCapex / Revenue | 0.0% | 3.1% |
| Cash ConversionOCF / Net Profit | 1.93× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.3M | $55.6M | ||
| Q3 25 | $4.4M | $1.4M | ||
| Q2 25 | $1.3M | $6.2M | ||
| Q1 25 | $1.2M | $13.1M | ||
| Q4 24 | $2.2M | $7.2M | ||
| Q3 24 | $1.6M | $-14.6M | ||
| Q2 24 | $2.7M | $-2.6M | ||
| Q1 24 | $-166.0K | $1.5M |
| Q4 25 | — | $54.6M | ||
| Q3 25 | — | $786.0K | ||
| Q2 25 | $1.3M | $5.9M | ||
| Q1 25 | — | $12.9M | ||
| Q4 24 | $2.1M | $4.5M | ||
| Q3 24 | — | $-15.0M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $-315.0K |
| Q4 25 | — | 173.9% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | 7.7% | 22.4% | ||
| Q1 25 | — | 52.6% | ||
| Q4 24 | 13.2% | 19.7% | ||
| Q3 24 | — | -74.1% | ||
| Q2 24 | — | -13.0% | ||
| Q1 24 | — | -1.5% |
| Q4 25 | 0.0% | 3.1% | ||
| Q3 25 | 0.0% | 2.3% | ||
| Q2 25 | 0.1% | 1.0% | ||
| Q1 25 | 0.0% | 0.6% | ||
| Q4 24 | 0.2% | 11.9% | ||
| Q3 24 | 0.0% | 2.0% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.0% | 8.7% |
| Q4 25 | 1.93× | 5.48× | ||
| Q3 25 | 3.05× | 0.21× | ||
| Q2 25 | 1.05× | 1.01× | ||
| Q1 25 | 1.06× | 2.20× | ||
| Q4 24 | 4.29× | 2.46× | ||
| Q3 24 | 10.95× | -5.99× | ||
| Q2 24 | 4.51× | -0.80× | ||
| Q1 24 | -0.38× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CXDO
| Services | $8.6M | 48% |
| Software Solution Segment | $8.3M | 46% |
| Products | $1.1M | 6% |
PDLB
Segment breakdown not available.
