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Side-by-side financial comparison of Duolingo, Inc. (DUOL) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Duolingo, Inc. is the larger business by last-quarter revenue ($282.9M vs $194.8M, roughly 1.5× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 14.8%, a 34.6% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 35.0%). Duolingo, Inc. produced more free cash flow last quarter ($96.6M vs $31.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 29.9%).
Duolingo, Inc. is a leading global edtech firm operating a gamified language learning platform. It offers free and premium self-paced courses for over 40 languages, plus language certification, math learning tools, and literacy programs, serving individual learners, schools and corporate clients worldwide.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
DUOL vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $282.9M | $194.8M |
| Net Profit | $42.0M | $96.2M |
| Gross Margin | 72.8% | — |
| Operating Margin | 15.4% | 71.7% |
| Net Margin | 14.8% | 49.4% |
| Revenue YoY | 35.0% | 152.7% |
| Net Profit YoY | 201.7% | 388.9% |
| EPS (diluted) | $0.99 | $6.72 |
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 | $282.9M | $194.8M | ||
| Q3 25 | $271.7M | $87.4M | ||
| Q2 25 | $252.3M | $82.6M | ||
| Q1 25 | $230.7M | $81.7M | ||
| Q4 24 | $209.6M | $77.1M | ||
| Q3 24 | $192.6M | $76.6M | ||
| Q2 24 | $178.3M | $72.7M | ||
| Q1 24 | $167.6M | $72.8M |
| Q4 25 | $42.0M | $96.2M | ||
| Q3 25 | $292.2M | $23.7M | ||
| Q2 25 | $44.8M | $21.5M | ||
| Q1 25 | $35.1M | $19.7M | ||
| Q4 24 | $13.9M | $19.7M | ||
| Q3 24 | $23.4M | $18.6M | ||
| Q2 24 | $24.4M | $15.7M | ||
| Q1 24 | $27.0M | $16.9M |
| Q4 25 | 72.8% | — | ||
| Q3 25 | 72.5% | — | ||
| Q2 25 | 72.4% | — | ||
| Q1 25 | 71.1% | — | ||
| Q4 24 | 71.9% | — | ||
| Q3 24 | 72.9% | — | ||
| Q2 24 | 73.4% | — | ||
| Q1 24 | 73.0% | — |
| Q4 25 | 15.4% | 71.7% | ||
| Q3 25 | 12.9% | 35.6% | ||
| Q2 25 | 13.2% | 34.2% | ||
| Q1 25 | 10.2% | 31.6% | ||
| Q4 24 | 6.6% | 33.4% | ||
| Q3 24 | 7.0% | 32.0% | ||
| Q2 24 | 10.5% | 28.3% | ||
| Q1 24 | 9.8% | 30.4% |
| Q4 25 | 14.8% | 49.4% | ||
| Q3 25 | 107.5% | 27.1% | ||
| Q2 25 | 17.8% | 26.0% | ||
| Q1 25 | 15.2% | 24.1% | ||
| Q4 24 | 6.6% | 25.5% | ||
| Q3 24 | 12.1% | 24.3% | ||
| Q2 24 | 13.7% | 21.6% | ||
| Q1 24 | 16.1% | 23.2% |
| Q4 25 | $0.99 | $6.72 | ||
| Q3 25 | $5.95 | $1.65 | ||
| Q2 25 | $0.91 | $1.50 | ||
| Q1 25 | $0.72 | $1.37 | ||
| Q4 24 | $0.31 | $1.39 | ||
| Q3 24 | $0.49 | $1.30 | ||
| Q2 24 | $0.51 | $1.10 | ||
| Q1 24 | $0.57 | $1.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.0B | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $938.4M |
| Total Assets | $2.0B | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $132.8M | ||
| Q3 25 | $1.0B | $193.5M | ||
| Q2 25 | $976.2M | $212.6M | ||
| Q1 25 | $884.0M | $193.1M | ||
| Q4 24 | $785.8M | $134.4M | ||
| Q3 24 | $854.4M | $132.3M | ||
| Q2 24 | $888.2M | $70.9M | ||
| Q1 24 | $829.7M | $57.1M |
| Q4 25 | $1.3B | $938.4M | ||
| Q3 25 | $1.3B | $788.8M | ||
| Q2 25 | $977.0M | $761.8M | ||
| Q1 25 | $893.8M | $741.4M | ||
| Q4 24 | $824.5M | $713.4M | ||
| Q3 24 | $822.5M | $719.9M | ||
| Q2 24 | $766.9M | $674.6M | ||
| Q1 24 | $711.1M | $667.9M |
| Q4 25 | $2.0B | $8.7B | ||
| Q3 25 | $1.9B | $8.5B | ||
| Q2 25 | $1.5B | $8.4B | ||
| Q1 25 | $1.4B | $8.2B | ||
| Q4 24 | $1.3B | $8.1B | ||
| Q3 24 | $1.2B | $8.0B | ||
| Q2 24 | $1.1B | $7.9B | ||
| Q1 24 | $1.1B | $7.8B |
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 | $107.3M | $38.9M |
| Free Cash FlowOCF − Capex | $96.6M | $31.9M |
| FCF MarginFCF / Revenue | 34.1% | 16.4% |
| Capex IntensityCapex / Revenue | 3.8% | 3.6% |
| Cash ConversionOCF / Net Profit | 2.56× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $369.7M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $107.3M | $38.9M | ||
| Q3 25 | $84.2M | $34.9M | ||
| Q2 25 | $90.7M | $18.9M | ||
| Q1 25 | $105.6M | $22.2M | ||
| Q4 24 | $83.3M | $95.0M | ||
| Q3 24 | $56.3M | $21.2M | ||
| Q2 24 | $62.4M | $27.3M | ||
| Q1 24 | $83.5M | $23.2M |
| Q4 25 | $96.6M | $31.9M | ||
| Q3 25 | $79.4M | $33.9M | ||
| Q2 25 | $89.5M | $18.3M | ||
| Q1 25 | $104.3M | $20.9M | ||
| Q4 24 | $81.4M | $88.8M | ||
| Q3 24 | $53.1M | $18.9M | ||
| Q2 24 | $56.8M | $26.3M | ||
| Q1 24 | $82.1M | $21.9M |
| Q4 25 | 34.1% | 16.4% | ||
| Q3 25 | 29.2% | 38.8% | ||
| Q2 25 | 35.5% | 22.1% | ||
| Q1 25 | 45.2% | 25.5% | ||
| Q4 24 | 38.8% | 115.1% | ||
| Q3 24 | 27.6% | 24.7% | ||
| Q2 24 | 31.9% | 36.2% | ||
| Q1 24 | 49.0% | 30.0% |
| Q4 25 | 3.8% | 3.6% | ||
| Q3 25 | 1.8% | 1.1% | ||
| Q2 25 | 0.5% | 0.8% | ||
| Q1 25 | 0.6% | 1.7% | ||
| Q4 24 | 0.9% | 8.1% | ||
| Q3 24 | 1.7% | 2.9% | ||
| Q2 24 | 3.1% | 1.3% | ||
| Q1 24 | 0.8% | 1.9% |
| Q4 25 | 2.56× | 0.40× | ||
| Q3 25 | 0.29× | 1.47× | ||
| Q2 25 | 2.02× | 0.88× | ||
| Q1 25 | 3.01× | 1.13× | ||
| Q4 24 | 5.99× | 4.82× | ||
| Q3 24 | 2.41× | 1.14× | ||
| Q2 24 | 2.56× | 1.74× | ||
| Q1 24 | 3.10× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DUOL
| License And Service | $242.3M | 86% |
| Advertising | $20.2M | 7% |
| English Test | $10.3M | 4% |
| Other | $10.1M | 4% |
TMP
Segment breakdown not available.
