vs
Side-by-side financial comparison of ExlService Holdings, Inc. (EXLS) and UNITED COMMUNITY BANKS INC (UCB). Click either name above to swap in a different company.
ExlService Holdings, Inc. is the larger business by last-quarter revenue ($542.6M vs $276.5M, roughly 2.0× UNITED COMMUNITY BANKS INC). UNITED COMMUNITY BANKS INC runs the higher net margin — 30.5% vs 11.1%, a 19.4% gap on every dollar of revenue. On growth, ExlService Holdings, Inc. posted the faster year-over-year revenue change (12.7% vs 11.6%). Over the past eight quarters, ExlService Holdings, Inc.'s revenue compounded faster (11.5% CAGR vs 6.2%).
Exlservice Holdings, Inc. is a global analytics and digital solutions company serving industries including insurance, healthcare, banking and financial services, media, retail, and others. The company is headquartered in New York and has more than 54,000 professionals in locations throughout the United States, Europe, Asia, Latin America, Australia and South Africa.
United Community is an American bank. United is one of the largest full-service financial institutions in the Southeast, with $27.7 billion in assets and 200 offices in Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. In addition to its presence in the Southeast, United Community is the largest bank headquartered in South Carolina by total asset size.
EXLS vs UCB — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $542.6M | $276.5M |
| Net Profit | $60.2M | $84.3M |
| Gross Margin | 38.6% | — |
| Operating Margin | 14.4% | — |
| Net Margin | 11.1% | 30.5% |
| Revenue YoY | 12.7% | 11.6% |
| Net Profit YoY | 18.9% | 18.0% |
| EPS (diluted) | $0.38 | $0.69 |
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.
| Q1 26 | — | $276.5M | ||
| Q4 25 | $542.6M | $278.4M | ||
| Q3 25 | $529.6M | $276.8M | ||
| Q2 25 | $514.5M | $260.2M | ||
| Q1 25 | $501.0M | $247.7M | ||
| Q4 24 | $481.4M | $250.9M | ||
| Q3 24 | $472.1M | $217.3M | ||
| Q2 24 | $448.4M | $245.3M |
| Q1 26 | — | $84.3M | ||
| Q4 25 | $60.2M | $86.5M | ||
| Q3 25 | $58.2M | $91.5M | ||
| Q2 25 | $66.1M | $78.7M | ||
| Q1 25 | $66.6M | $71.4M | ||
| Q4 24 | $50.7M | $75.8M | ||
| Q3 24 | $53.0M | $47.3M | ||
| Q2 24 | $45.8M | $66.6M |
| Q1 26 | — | — | ||
| Q4 25 | 38.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 37.7% | — | ||
| Q1 25 | 38.6% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | 37.8% | — | ||
| Q2 24 | 37.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 40.5% | ||
| Q3 25 | 14.4% | 42.6% | ||
| Q2 25 | 15.8% | 38.6% | ||
| Q1 25 | 15.7% | 36.8% | ||
| Q4 24 | 14.8% | 38.4% | ||
| Q3 24 | 14.7% | 27.5% | ||
| Q2 24 | 13.7% | 35.1% |
| Q1 26 | — | 30.5% | ||
| Q4 25 | 11.1% | 31.1% | ||
| Q3 25 | 11.0% | 33.0% | ||
| Q2 25 | 12.8% | 30.3% | ||
| Q1 25 | 13.3% | 28.8% | ||
| Q4 24 | 10.5% | 30.2% | ||
| Q3 24 | 11.2% | 21.8% | ||
| Q2 24 | 10.2% | 27.2% |
| Q1 26 | — | $0.69 | ||
| Q4 25 | $0.38 | $0.71 | ||
| Q3 25 | $0.36 | $0.70 | ||
| Q2 25 | $0.40 | $0.63 | ||
| Q1 25 | $0.40 | $0.58 | ||
| Q4 24 | $0.31 | $0.61 | ||
| Q3 24 | $0.33 | $0.38 | ||
| Q2 24 | $0.28 | $0.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $328.4M | $493.1M |
| Total DebtLower is stronger | $298.6M | $205.5M |
| Stockholders' EquityBook value | $912.7M | $3.7B |
| Total Assets | $1.7B | $28.2M |
| Debt / EquityLower = less leverage | 0.33× | 0.06× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $493.1M | ||
| Q4 25 | $328.4M | — | ||
| Q3 25 | $390.1M | — | ||
| Q2 25 | $353.3M | — | ||
| Q1 25 | $331.4M | — | ||
| Q4 24 | $340.6M | — | ||
| Q3 24 | $325.8M | — | ||
| Q2 24 | $276.1M | — |
| Q1 26 | — | $205.5M | ||
| Q4 25 | $298.6M | $120.4M | ||
| Q3 25 | $354.8M | $155.3M | ||
| Q2 25 | $260.0M | $155.1M | ||
| Q1 25 | $307.3M | $254.3M | ||
| Q4 24 | $288.5M | $254.2M | ||
| Q3 24 | $344.7M | $316.4M | ||
| Q2 24 | — | $324.9M |
| Q1 26 | — | $3.7B | ||
| Q4 25 | $912.7M | $3.6B | ||
| Q3 25 | $952.4M | $3.6B | ||
| Q2 25 | $1.1B | $3.6B | ||
| Q1 25 | $1.0B | $3.5B | ||
| Q4 24 | $929.9M | $3.4B | ||
| Q3 24 | $907.6M | $3.4B | ||
| Q2 24 | $852.6M | $3.3B |
| Q1 26 | — | $28.2M | ||
| Q4 25 | $1.7B | $28.0B | ||
| Q3 25 | $1.7B | $28.1B | ||
| Q2 25 | $1.7B | $28.1B | ||
| Q1 25 | $1.7B | $27.9B | ||
| Q4 24 | $1.6B | $27.7B | ||
| Q3 24 | $1.6B | $27.4B | ||
| Q2 24 | $1.5B | $27.1B |
| Q1 26 | — | 0.06× | ||
| Q4 25 | 0.33× | 0.03× | ||
| Q3 25 | 0.37× | 0.04× | ||
| Q2 25 | 0.25× | 0.04× | ||
| Q1 25 | 0.30× | 0.07× | ||
| Q4 24 | 0.31× | 0.07× | ||
| Q3 24 | 0.38× | 0.09× | ||
| Q2 24 | — | 0.10× |
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 | $117.4M | — |
| Free Cash FlowOCF − Capex | $106.5M | — |
| FCF MarginFCF / Revenue | 19.6% | — |
| Capex IntensityCapex / Revenue | 2.0% | — |
| Cash ConversionOCF / Net Profit | 1.95× | — |
| TTM Free Cash FlowTrailing 4 quarters | $298.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $117.4M | $384.0M | ||
| Q3 25 | $120.7M | $123.1M | ||
| Q2 25 | $109.4M | $96.8M | ||
| Q1 25 | $3.2M | $98.6M | ||
| Q4 24 | $105.3M | $349.7M | ||
| Q3 24 | $110.1M | $7.7M | ||
| Q2 24 | $74.9M | $105.1M |
| Q1 26 | — | — | ||
| Q4 25 | $106.5M | $356.5M | ||
| Q3 25 | $106.4M | $117.7M | ||
| Q2 25 | $95.0M | $84.7M | ||
| Q1 25 | $-9.7M | $94.3M | ||
| Q4 24 | $95.3M | $302.7M | ||
| Q3 24 | $97.3M | $-2.2M | ||
| Q2 24 | $62.8M | $87.2M |
| Q1 26 | — | — | ||
| Q4 25 | 19.6% | 128.0% | ||
| Q3 25 | 20.1% | 42.5% | ||
| Q2 25 | 18.5% | 32.6% | ||
| Q1 25 | -1.9% | 38.1% | ||
| Q4 24 | 19.8% | 120.7% | ||
| Q3 24 | 20.6% | -1.0% | ||
| Q2 24 | 14.0% | 35.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 9.9% | ||
| Q3 25 | 2.7% | 1.9% | ||
| Q2 25 | 2.8% | 4.7% | ||
| Q1 25 | 2.6% | 1.7% | ||
| Q4 24 | 2.1% | 18.8% | ||
| Q3 24 | 2.7% | 4.6% | ||
| Q2 24 | 2.7% | 7.3% |
| Q1 26 | — | — | ||
| Q4 25 | 1.95× | 4.44× | ||
| Q3 25 | 2.08× | 1.35× | ||
| Q2 25 | 1.66× | 1.23× | ||
| Q1 25 | 0.05× | 1.38× | ||
| Q4 24 | 2.08× | 4.61× | ||
| Q3 24 | 2.08× | 0.16× | ||
| Q2 24 | 1.63× | 1.58× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
