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Side-by-side financial comparison of Expensify, Inc. (EXFY) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $31.4M, roughly 1.1× Ponce Financial Group, Inc.). On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -4.9%). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
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.
EXFY vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $31.4M |
| Net Profit | — | $10.1M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 43.6% |
| Net Margin | — | 36.3% |
| Revenue YoY | -4.9% | 37.6% |
| Net Profit YoY | — | 245.6% |
| EPS (diluted) | $-0.07 | $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 | $35.2M | $31.4M | ||
| Q3 25 | $35.1M | $26.7M | ||
| Q2 25 | $35.8M | $26.5M | ||
| Q1 25 | $36.1M | $24.6M | ||
| Q4 24 | $37.0M | $22.8M | ||
| Q3 24 | $35.4M | $20.2M | ||
| Q2 24 | $33.3M | $20.2M | ||
| Q1 24 | $33.5M | $20.5M |
| Q4 25 | — | $10.1M | ||
| Q3 25 | $-2.3M | $6.5M | ||
| Q2 25 | $-8.8M | $6.1M | ||
| Q1 25 | $-3.2M | $6.0M | ||
| Q4 24 | — | $2.9M | ||
| Q3 24 | $-2.2M | $2.4M | ||
| Q2 24 | $-2.8M | $3.2M | ||
| Q1 24 | $-3.8M | $2.4M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 43.6% | ||
| Q3 25 | -6.4% | 32.8% | ||
| Q2 25 | -28.9% | 30.2% | ||
| Q1 25 | -4.1% | 32.5% | ||
| Q4 24 | 1.3% | 19.6% | ||
| Q3 24 | 0.8% | 15.2% | ||
| Q2 24 | 0.7% | 21.8% | ||
| Q1 24 | -5.3% | 18.3% |
| Q4 25 | — | 36.3% | ||
| Q3 25 | -6.6% | 24.3% | ||
| Q2 25 | -24.6% | 23.0% | ||
| Q1 25 | -8.8% | 24.2% | ||
| Q4 24 | — | 14.1% | ||
| Q3 24 | -6.2% | 12.1% | ||
| Q2 24 | -8.3% | 15.8% | ||
| Q1 24 | -11.3% | 11.8% |
| Q4 25 | $-0.07 | $0.43 | ||
| Q3 25 | $-0.03 | $0.27 | ||
| Q2 25 | $-0.10 | $0.25 | ||
| Q1 25 | $-0.03 | $0.25 | ||
| Q4 24 | $-0.03 | $0.11 | ||
| Q3 24 | $-0.02 | $0.10 | ||
| Q2 24 | $-0.03 | $0.14 | ||
| Q1 24 | $-0.04 | $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 | $63.1M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $132.7M | $541.5M |
| Total Assets | $186.0M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $126.2M | ||
| Q3 25 | $61.5M | $146.6M | ||
| Q2 25 | $60.5M | $126.6M | ||
| Q1 25 | $59.6M | $129.9M | ||
| Q4 24 | $48.8M | $139.8M | ||
| Q3 24 | $39.2M | $155.8M | ||
| Q2 24 | $53.2M | $103.2M | ||
| Q1 24 | $49.3M | $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 | $132.7M | $541.5M | ||
| Q3 25 | $135.7M | $529.8M | ||
| Q2 25 | $131.8M | $521.1M | ||
| Q1 25 | $134.7M | $513.9M | ||
| Q4 24 | $128.2M | $505.5M | ||
| Q3 24 | $119.9M | $504.6M | ||
| Q2 24 | $114.0M | $497.7M | ||
| Q1 24 | $106.5M | $493.7M |
| Q4 25 | $186.0M | $3.2B | ||
| Q3 25 | $186.8M | $3.2B | ||
| Q2 25 | $187.1M | $3.2B | ||
| Q1 25 | $189.2M | $3.1B | ||
| Q4 24 | $173.7M | $3.0B | ||
| Q3 24 | $176.2M | $3.0B | ||
| Q2 24 | $192.9M | $2.8B | ||
| Q1 24 | $184.8M | $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 | $2.2M | $55.6M |
| Free Cash FlowOCF − Capex | — | $54.6M |
| FCF MarginFCF / Revenue | — | 173.9% |
| Capex IntensityCapex / Revenue | — | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $55.6M | ||
| Q3 25 | $4.2M | $1.4M | ||
| Q2 25 | $8.9M | $6.2M | ||
| Q1 25 | $4.8M | $13.1M | ||
| Q4 24 | $7.4M | $7.2M | ||
| Q3 24 | $3.7M | $-14.6M | ||
| Q2 24 | $9.3M | $-2.6M | ||
| Q1 24 | $3.5M | $1.5M |
| Q4 25 | — | $54.6M | ||
| Q3 25 | — | $786.0K | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $12.9M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | — | $-15.0M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $-315.0K |
| Q4 25 | — | 173.9% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 22.4% | ||
| Q1 25 | — | 52.6% | ||
| Q4 24 | — | 19.7% | ||
| Q3 24 | — | -74.1% | ||
| Q2 24 | — | -13.0% | ||
| Q1 24 | — | -1.5% |
| Q4 25 | — | 3.1% | ||
| Q3 25 | 0.0% | 2.3% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | 0.0% | 11.9% | ||
| Q3 24 | 0.0% | 2.0% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.0% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
