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Side-by-side financial comparison of Dayforce (DAY) and UNITED BANKSHARES INC (UBSI). Click either name above to swap in a different company.
Dayforce is the larger business by last-quarter revenue ($481.6M vs $318.4M, roughly 1.5× UNITED BANKSHARES INC). UNITED BANKSHARES INC runs the higher net margin — 40.5% vs -40.9%, a 81.3% gap on every dollar of revenue. On growth, UNITED BANKSHARES INC posted the faster year-over-year revenue change (21.6% vs 9.5%). Over the past eight quarters, UNITED BANKSHARES INC's revenue compounded faster (11.8% CAGR vs 9.8%).
Dayforce, Inc., formerly Ceridian, is an American human resources software and services company.
United Bankshares Inc. (WV) is a regional financial holding company operating mainly across the Mid-Atlantic and Southeastern United States. It provides full-spectrum banking solutions including consumer and commercial lending, deposit products, wealth management, and mortgage services for individual, small business and corporate clients.
DAY vs UBSI — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $481.6M | $318.4M |
| Net Profit | $-196.8M | $128.8M |
| Gross Margin | — | — |
| Operating Margin | 6.3% | 50.2% |
| Net Margin | -40.9% | 40.5% |
| Revenue YoY | 9.5% | 21.6% |
| Net Profit YoY | -9940.0% | 36.5% |
| EPS (diluted) | $-1.23 | $0.91 |
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 | — | $318.4M | ||
| Q3 25 | $481.6M | $323.3M | ||
| Q2 25 | $464.7M | $306.0M | ||
| Q1 25 | $481.8M | $289.6M | ||
| Q4 24 | $465.2M | $261.9M | ||
| Q3 24 | $440.0M | $262.2M | ||
| Q2 24 | $423.3M | $255.9M | ||
| Q1 24 | $431.5M | $254.7M |
| Q4 25 | — | $128.8M | ||
| Q3 25 | $-196.8M | $130.7M | ||
| Q2 25 | $21.3M | $120.7M | ||
| Q1 25 | $14.9M | $84.3M | ||
| Q4 24 | $10.8M | $94.4M | ||
| Q3 24 | $2.0M | $95.3M | ||
| Q2 24 | $-1.8M | $96.5M | ||
| Q1 24 | $7.1M | $86.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — | ||
| Q1 24 | 47.6% | — |
| Q4 25 | — | 50.2% | ||
| Q3 25 | 6.3% | 50.9% | ||
| Q2 25 | 9.1% | 49.7% | ||
| Q1 25 | 6.4% | 36.9% | ||
| Q4 24 | 6.1% | 46.2% | ||
| Q3 24 | 4.7% | 45.7% | ||
| Q2 24 | 3.3% | 45.1% | ||
| Q1 24 | 9.4% | 42.5% |
| Q4 25 | — | 40.5% | ||
| Q3 25 | -40.9% | 40.4% | ||
| Q2 25 | 4.6% | 39.5% | ||
| Q1 25 | 3.1% | 29.1% | ||
| Q4 24 | 2.3% | 36.0% | ||
| Q3 24 | 0.5% | 36.3% | ||
| Q2 24 | -0.4% | 37.7% | ||
| Q1 24 | 1.6% | 34.1% |
| Q4 25 | — | $0.91 | ||
| Q3 25 | $-1.23 | $0.92 | ||
| Q2 25 | $0.13 | $0.85 | ||
| Q1 25 | $0.09 | $0.59 | ||
| Q4 24 | $0.07 | $0.70 | ||
| Q3 24 | $0.01 | $0.70 | ||
| Q2 24 | $-0.01 | $0.71 | ||
| Q1 24 | $0.04 | $0.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $627.6M | — |
| Total DebtLower is stronger | $631.1M | $531.8M |
| Stockholders' EquityBook value | $2.7B | $5.5B |
| Total Assets | $8.7B | $33.7B |
| Debt / EquityLower = less leverage | 0.23× | 0.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $627.6M | — | ||
| Q2 25 | $625.2M | — | ||
| Q1 25 | $557.3M | — | ||
| Q4 24 | $579.7M | — | ||
| Q3 24 | $494.1M | — | ||
| Q2 24 | $465.4M | — | ||
| Q1 24 | $392.5M | — |
| Q4 25 | — | $531.8M | ||
| Q3 25 | $631.1M | $250.0M | ||
| Q2 25 | $631.8M | $250.0M | ||
| Q1 25 | $632.4M | $250.0M | ||
| Q4 24 | $1.2B | $540.4M | ||
| Q3 24 | $1.2B | $260.3M | ||
| Q2 24 | $1.2B | $1.2B | ||
| Q1 24 | $1.2B | $1.5B |
| Q4 25 | — | $5.5B | ||
| Q3 25 | $2.7B | $5.4B | ||
| Q2 25 | $2.7B | $5.4B | ||
| Q1 25 | $2.6B | $5.3B | ||
| Q4 24 | $2.5B | $5.0B | ||
| Q3 24 | $2.6B | $5.0B | ||
| Q2 24 | $2.5B | $4.9B | ||
| Q1 24 | $2.4B | $4.8B |
| Q4 25 | — | $33.7B | ||
| Q3 25 | $8.7B | $33.4B | ||
| Q2 25 | $8.5B | $32.8B | ||
| Q1 25 | $9.5B | $32.8B | ||
| Q4 24 | $9.1B | $30.0B | ||
| Q3 24 | $8.1B | $29.9B | ||
| Q2 24 | $9.0B | $30.0B | ||
| Q1 24 | $10.8B | $30.0B |
| Q4 25 | — | 0.10× | ||
| Q3 25 | 0.23× | 0.05× | ||
| Q2 25 | 0.23× | 0.05× | ||
| Q1 25 | 0.24× | 0.05× | ||
| Q4 24 | 0.47× | 0.11× | ||
| Q3 24 | 0.47× | 0.05× | ||
| Q2 24 | 0.49× | 0.25× | ||
| Q1 24 | 0.50× | 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 | $31.2M | $498.9M |
| Free Cash FlowOCF − Capex | — | $481.2M |
| FCF MarginFCF / Revenue | — | 151.1% |
| Capex IntensityCapex / Revenue | — | 5.6% |
| Cash ConversionOCF / Net Profit | — | 3.87× |
| TTM Free Cash FlowTrailing 4 quarters | — | $828.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $498.9M | ||
| Q3 25 | $31.2M | $150.6M | ||
| Q2 25 | $112.7M | $89.4M | ||
| Q1 25 | $49.6M | $120.0M | ||
| Q4 24 | $81.0M | $445.5M | ||
| Q3 24 | $91.8M | $123.6M | ||
| Q2 24 | $99.2M | $61.2M | ||
| Q1 24 | $9.1M | $124.4M |
| Q4 25 | — | $481.2M | ||
| Q3 25 | — | $146.4M | ||
| Q2 25 | — | $85.2M | ||
| Q1 25 | — | $116.1M | ||
| Q4 24 | — | $433.3M | ||
| Q3 24 | — | $122.0M | ||
| Q2 24 | — | $58.2M | ||
| Q1 24 | — | $119.6M |
| Q4 25 | — | 151.1% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 27.8% | ||
| Q1 25 | — | 40.1% | ||
| Q4 24 | — | 165.4% | ||
| Q3 24 | — | 46.5% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 47.0% |
| Q4 25 | — | 5.6% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | — | 3.87× | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | 5.29× | 0.74× | ||
| Q1 25 | 3.33× | 1.42× | ||
| Q4 24 | 7.50× | 4.72× | ||
| Q3 24 | 45.90× | 1.30× | ||
| Q2 24 | — | 0.63× | ||
| Q1 24 | 1.28× | 1.43× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
UBSI
Segment breakdown not available.
