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Side-by-side financial comparison of EGAIN Corp (EGAN) 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 $23.0M, roughly 1.4× EGAIN Corp). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 10.2%, a 26.1% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 2.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $9.9M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 1.4%).
Headquartered in Sunnyvale, California, eGain Corporation helps businesses automate customer and employee experience with its AI knowledge software.
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.
EGAN vs PDLB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.0M | $31.4M |
| Net Profit | $2.3M | $10.1M |
| Gross Margin | 73.1% | — |
| Operating Margin | 8.9% | 43.6% |
| Net Margin | 10.2% | 36.3% |
| Revenue YoY | 2.6% | 37.6% |
| Net Profit YoY | 248.1% | 245.6% |
| EPS (diluted) | $0.08 | $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 | $23.0M | $31.4M | ||
| Q3 25 | $23.5M | $26.7M | ||
| Q2 25 | $23.2M | $26.5M | ||
| Q1 25 | $21.0M | $24.6M | ||
| Q4 24 | $22.4M | $22.8M | ||
| Q3 24 | $21.8M | $20.2M | ||
| Q2 24 | $22.5M | $20.2M | ||
| Q1 24 | $22.4M | $20.5M |
| Q4 25 | $2.3M | $10.1M | ||
| Q3 25 | $2.8M | $6.5M | ||
| Q2 25 | $30.9M | $6.1M | ||
| Q1 25 | $66.0K | $6.0M | ||
| Q4 24 | $671.0K | $2.9M | ||
| Q3 24 | $652.0K | $2.4M | ||
| Q2 24 | $1.5M | $3.2M | ||
| Q1 24 | $1.5M | $2.4M |
| Q4 25 | 73.1% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 72.7% | — | ||
| Q1 25 | 68.0% | — | ||
| Q4 24 | 70.2% | — | ||
| Q3 24 | 69.4% | — | ||
| Q2 24 | 69.3% | — | ||
| Q1 24 | 69.3% | — |
| Q4 25 | 8.9% | 43.6% | ||
| Q3 25 | 12.1% | 32.8% | ||
| Q2 25 | 14.0% | 30.2% | ||
| Q1 25 | 0.1% | 32.5% | ||
| Q4 24 | 2.9% | 19.6% | ||
| Q3 24 | 2.3% | 15.2% | ||
| Q2 24 | 5.3% | 21.8% | ||
| Q1 24 | 4.2% | 18.3% |
| Q4 25 | 10.2% | 36.3% | ||
| Q3 25 | 12.0% | 24.3% | ||
| Q2 25 | 132.8% | 23.0% | ||
| Q1 25 | 0.3% | 24.2% | ||
| Q4 24 | 3.0% | 14.1% | ||
| Q3 24 | 3.0% | 12.1% | ||
| Q2 24 | 6.7% | 15.8% | ||
| Q1 24 | 6.7% | 11.8% |
| Q4 25 | $0.08 | $0.43 | ||
| Q3 25 | $0.10 | $0.27 | ||
| Q2 25 | $1.09 | $0.25 | ||
| Q1 25 | $0.00 | $0.25 | ||
| Q4 24 | $0.02 | $0.11 | ||
| Q3 24 | $0.02 | $0.10 | ||
| Q2 24 | $0.05 | $0.14 | ||
| Q1 24 | $0.05 | $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 | $83.1M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $88.8M | $541.5M |
| Total Assets | $146.8M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.1M | $126.2M | ||
| Q3 25 | $70.9M | $146.6M | ||
| Q2 25 | $62.9M | $126.6M | ||
| Q1 25 | $68.7M | $129.9M | ||
| Q4 24 | $70.5M | $139.8M | ||
| Q3 24 | $67.2M | $155.8M | ||
| Q2 24 | $70.0M | $103.2M | ||
| Q1 24 | $83.0M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $88.8M | $541.5M | ||
| Q3 25 | $83.5M | $529.8M | ||
| Q2 25 | $80.7M | $521.1M | ||
| Q1 25 | $51.6M | $513.9M | ||
| Q4 24 | $55.3M | $505.5M | ||
| Q3 24 | $55.7M | $504.6M | ||
| Q2 24 | $58.5M | $497.7M | ||
| Q1 24 | $63.9M | $493.7M |
| Q4 25 | $146.8M | $3.2B | ||
| Q3 25 | $144.6M | $3.2B | ||
| Q2 25 | $148.0M | $3.2B | ||
| Q1 25 | $106.2M | $3.1B | ||
| Q4 24 | $111.3M | $3.0B | ||
| Q3 24 | $114.9M | $3.0B | ||
| Q2 24 | $127.9M | $2.8B | ||
| Q1 24 | $120.3M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | — | 1.15× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 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 | $10.1M | $55.6M |
| Free Cash FlowOCF − Capex | $9.9M | $54.6M |
| FCF MarginFCF / Revenue | 43.0% | 173.9% |
| Capex IntensityCapex / Revenue | 1.0% | 3.1% |
| Cash ConversionOCF / Net Profit | 4.33× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $17.6M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $10.1M | $55.6M | ||
| Q3 25 | $10.4M | $1.4M | ||
| Q2 25 | $-4.3M | $6.2M | ||
| Q1 25 | $2.2M | $13.1M | ||
| Q4 24 | $6.4M | $7.2M | ||
| Q3 24 | $954.0K | $-14.6M | ||
| Q2 24 | $-5.1M | $-2.6M | ||
| Q1 24 | $1.7M | $1.5M |
| Q4 25 | $9.9M | $54.6M | ||
| Q3 25 | $10.2M | $786.0K | ||
| Q2 25 | $-4.5M | $5.9M | ||
| Q1 25 | $2.1M | $12.9M | ||
| Q4 24 | $6.3M | $4.5M | ||
| Q3 24 | $845.0K | $-15.0M | ||
| Q2 24 | $-5.2M | $-2.6M | ||
| Q1 24 | $1.7M | $-315.0K |
| Q4 25 | 43.0% | 173.9% | ||
| Q3 25 | 43.4% | 2.9% | ||
| Q2 25 | -19.5% | 22.4% | ||
| Q1 25 | 10.0% | 52.6% | ||
| Q4 24 | 28.1% | 19.7% | ||
| Q3 24 | 3.9% | -74.1% | ||
| Q2 24 | -23.0% | -13.0% | ||
| Q1 24 | 7.8% | -1.5% |
| Q4 25 | 1.0% | 3.1% | ||
| Q3 25 | 1.0% | 2.3% | ||
| Q2 25 | 0.9% | 1.0% | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 0.6% | 11.9% | ||
| Q3 24 | 0.5% | 2.0% | ||
| Q2 24 | 0.2% | 0.3% | ||
| Q1 24 | 0.1% | 8.7% |
| Q4 25 | 4.33× | 5.48× | ||
| Q3 25 | 3.70× | 0.21× | ||
| Q2 25 | -0.14× | 1.01× | ||
| Q1 25 | 33.48× | 2.20× | ||
| Q4 24 | 9.57× | 2.46× | ||
| Q3 24 | 1.46× | -5.99× | ||
| Q2 24 | -3.40× | -0.80× | ||
| Q1 24 | 1.17× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EGAN
| Transferred Over Time | $22.0M | 96% |
| Technology Service | $1.2M | 5% |
PDLB
Segment breakdown not available.
