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Side-by-side financial comparison of Dine Brands Global, Inc. (DIN) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
Dine Brands Global, Inc. is the larger business by last-quarter revenue ($217.6M vs $153.1M, roughly 1.4× CPI Card Group Inc.). CPI Card Group Inc. runs the higher net margin — 4.8% vs -5.6%, a 10.4% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 6.3%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-8.6M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 2.7%).
Dine Brands Global Inc. is a publicly traded food and beverage company based in Pasadena, California. Founded in 1958 as IHOP, it operates franchised and corporate owned full-service restaurants including three restaurant concepts, Applebee's Neighborhood Grill & Bar, International House of Pancakes (IHOP), and Fuzzy's Taco Shop.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
DIN vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $217.6M | $153.1M |
| Net Profit | $-12.2M | $7.3M |
| Gross Margin | 42.4% | 31.5% |
| Operating Margin | -7.6% | 12.0% |
| Net Margin | -5.6% | 4.8% |
| Revenue YoY | 6.3% | 22.3% |
| Net Profit YoY | -336.1% | 8.5% |
| EPS (diluted) | $-0.79 | $0.62 |
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 | $217.6M | $153.1M | ||
| Q3 25 | $216.2M | $138.0M | ||
| Q2 25 | $230.8M | $129.8M | ||
| Q1 25 | $214.8M | $122.8M | ||
| Q4 24 | $204.8M | $125.1M | ||
| Q3 24 | $195.0M | $124.8M | ||
| Q2 24 | $206.3M | $118.8M | ||
| Q1 24 | $206.2M | $111.9M |
| Q4 25 | $-12.2M | $7.3M | ||
| Q3 25 | $7.3M | $2.3M | ||
| Q2 25 | $13.8M | $518.0K | ||
| Q1 25 | $8.2M | $4.8M | ||
| Q4 24 | $5.2M | $6.8M | ||
| Q3 24 | $19.1M | $1.3M | ||
| Q2 24 | $23.2M | $6.0M | ||
| Q1 24 | $17.5M | $5.5M |
| Q4 25 | 42.4% | 31.5% | ||
| Q3 25 | 39.1% | 29.7% | ||
| Q2 25 | 40.0% | 30.9% | ||
| Q1 25 | 42.0% | 33.2% | ||
| Q4 24 | 41.7% | 34.1% | ||
| Q3 24 | 47.8% | 35.8% | ||
| Q2 24 | 48.1% | 35.7% | ||
| Q1 24 | 47.2% | 37.1% |
| Q4 25 | -7.6% | 12.0% | ||
| Q3 25 | 4.7% | 9.4% | ||
| Q2 25 | 8.2% | 7.3% | ||
| Q1 25 | 6.0% | 11.5% | ||
| Q4 24 | 3.8% | 12.7% | ||
| Q3 24 | 13.6% | 14.3% | ||
| Q2 24 | 15.1% | 12.5% | ||
| Q1 24 | 11.7% | 12.6% |
| Q4 25 | -5.6% | 4.8% | ||
| Q3 25 | 3.4% | 1.7% | ||
| Q2 25 | 6.0% | 0.4% | ||
| Q1 25 | 3.8% | 3.9% | ||
| Q4 24 | 2.5% | 5.4% | ||
| Q3 24 | 9.8% | 1.0% | ||
| Q2 24 | 11.2% | 5.1% | ||
| Q1 24 | 8.5% | 4.9% |
| Q4 25 | $-0.79 | $0.62 | ||
| Q3 25 | $0.48 | $0.19 | ||
| Q2 25 | $0.89 | $0.04 | ||
| Q1 25 | $0.53 | $0.40 | ||
| Q4 24 | $0.35 | $0.56 | ||
| Q3 24 | $1.24 | $0.11 | ||
| Q2 24 | $1.50 | $0.51 | ||
| Q1 24 | $1.13 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $128.2M | $21.7M |
| Total DebtLower is stronger | $1.2B | $286.7M |
| Stockholders' EquityBook value | $-273.9M | $-17.3M |
| Total Assets | $1.7B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $128.2M | $21.7M | ||
| Q3 25 | $167.9M | $16.0M | ||
| Q2 25 | $194.2M | $17.1M | ||
| Q1 25 | $186.5M | $31.5M | ||
| Q4 24 | $186.7M | $33.5M | ||
| Q3 24 | $169.6M | $14.7M | ||
| Q2 24 | $153.5M | $7.5M | ||
| Q1 24 | $145.0M | $17.1M |
| Q4 25 | $1.2B | $286.7M | ||
| Q3 25 | $1.2B | $308.4M | ||
| Q2 25 | $1.2B | $310.9M | ||
| Q1 25 | $1.2B | $280.7M | ||
| Q4 24 | $1.2B | $280.4M | ||
| Q3 24 | $1.2B | $280.2M | ||
| Q2 24 | $1.2B | $269.7M | ||
| Q1 24 | $1.2B | $265.3M |
| Q4 25 | $-273.9M | $-17.3M | ||
| Q3 25 | $-231.9M | $-25.7M | ||
| Q2 25 | $-212.5M | $-29.0M | ||
| Q1 25 | $-215.7M | $-29.7M | ||
| Q4 24 | $-216.0M | $-35.6M | ||
| Q3 24 | $-216.7M | $-42.8M | ||
| Q2 24 | $-231.7M | $-44.6M | ||
| Q1 24 | $-244.8M | $-48.5M |
| Q4 25 | $1.7B | $403.2M | ||
| Q3 25 | $1.8B | $407.1M | ||
| Q2 25 | $1.8B | $399.8M | ||
| Q1 25 | $1.8B | $351.9M | ||
| Q4 24 | $1.8B | $349.7M | ||
| Q3 24 | $1.7B | $342.3M | ||
| Q2 24 | $1.7B | $321.4M | ||
| Q1 24 | $1.7B | $319.8M |
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 | $5.7M | $39.6M |
| Free Cash FlowOCF − Capex | $-8.6M | $35.2M |
| FCF MarginFCF / Revenue | -3.9% | 23.0% |
| Capex IntensityCapex / Revenue | 6.6% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $53.4M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.7M | $39.6M | ||
| Q3 25 | $30.2M | $10.0M | ||
| Q2 25 | $37.0M | $4.3M | ||
| Q1 25 | $16.1M | $5.6M | ||
| Q4 24 | $30.5M | $26.7M | ||
| Q3 24 | $25.5M | $12.5M | ||
| Q2 24 | $21.6M | $-4.8M | ||
| Q1 24 | $30.6M | $8.9M |
| Q4 25 | $-8.6M | $35.2M | ||
| Q3 25 | $18.1M | $5.3M | ||
| Q2 25 | $31.0M | $533.0K | ||
| Q1 25 | $12.8M | $292.0K | ||
| Q4 24 | $26.7M | $21.6M | ||
| Q3 24 | $22.0M | $11.1M | ||
| Q2 24 | $18.2M | $-6.0M | ||
| Q1 24 | $27.2M | $7.4M |
| Q4 25 | -3.9% | 23.0% | ||
| Q3 25 | 8.4% | 3.8% | ||
| Q2 25 | 13.4% | 0.4% | ||
| Q1 25 | 6.0% | 0.2% | ||
| Q4 24 | 13.0% | 17.3% | ||
| Q3 24 | 11.3% | 8.9% | ||
| Q2 24 | 8.8% | -5.0% | ||
| Q1 24 | 13.2% | 6.6% |
| Q4 25 | 6.6% | 2.9% | ||
| Q3 25 | 5.6% | 3.4% | ||
| Q2 25 | 2.6% | 2.9% | ||
| Q1 25 | 1.5% | 4.3% | ||
| Q4 24 | 1.9% | 4.0% | ||
| Q3 24 | 1.8% | 1.2% | ||
| Q2 24 | 1.7% | 1.0% | ||
| Q1 24 | 1.6% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | 4.12× | 4.32× | ||
| Q2 25 | 2.68× | 8.39× | ||
| Q1 25 | 1.97× | 1.17× | ||
| Q4 24 | 5.88× | 3.94× | ||
| Q3 24 | 1.34× | 9.70× | ||
| Q2 24 | 0.93× | -0.79× | ||
| Q1 24 | 1.75× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DIN
| Franchisor | $163.2M | 75% |
| Food And Beverage | $27.3M | 13% |
| Proprietary Product Sales And Other | $17.0M | 8% |
| Other | $8.1M | 4% |
| Franchise And Development Fees | $2.0M | 1% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
