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Side-by-side financial comparison of FGI Industries Ltd. (FGI) 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 $30.5M, roughly 1.0× FGI Industries Ltd.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -8.6%, a 44.9% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -14.4%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $2.3M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -0.5%).
FGI Industries Ltd is a global designer, manufacturer and distributor of kitchen and bath products, home organization solutions, and home improvement goods. It serves major retail chains, home specialty stores and e-commerce platforms across North America, Europe and the Asia-Pacific region.
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.
FGI vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $30.5M | $31.4M |
| Net Profit | $-2.6M | $10.1M |
| Gross Margin | 26.7% | — |
| Operating Margin | -2.2% | 43.6% |
| Net Margin | -8.6% | 36.3% |
| Revenue YoY | -14.4% | 37.6% |
| Net Profit YoY | -553.1% | 245.6% |
| EPS (diluted) | $-1.63 | $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 | $30.5M | $31.4M | ||
| Q3 25 | $35.8M | $26.7M | ||
| Q2 25 | $31.0M | $26.5M | ||
| Q1 25 | $33.2M | $24.6M | ||
| Q4 24 | $35.6M | $22.8M | ||
| Q3 24 | $36.1M | $20.2M | ||
| Q2 24 | $29.4M | $20.2M | ||
| Q1 24 | $30.8M | $20.5M |
| Q4 25 | $-2.6M | $10.1M | ||
| Q3 25 | $-1.7M | $6.5M | ||
| Q2 25 | $-1.2M | $6.1M | ||
| Q1 25 | $-629.1K | $6.0M | ||
| Q4 24 | $-402.3K | $2.9M | ||
| Q3 24 | $-550.1K | $2.4M | ||
| Q2 24 | $163.6K | $3.2M | ||
| Q1 24 | $-412.2K | $2.4M |
| Q4 25 | 26.7% | — | ||
| Q3 25 | 26.5% | — | ||
| Q2 25 | 28.1% | — | ||
| Q1 25 | 26.8% | — | ||
| Q4 24 | 24.6% | — | ||
| Q3 24 | 25.8% | — | ||
| Q2 24 | 30.5% | — | ||
| Q1 24 | 27.4% | — |
| Q4 25 | -2.2% | 43.6% | ||
| Q3 25 | 1.0% | 32.8% | ||
| Q2 25 | -2.7% | 30.2% | ||
| Q1 25 | -3.9% | 32.5% | ||
| Q4 24 | -3.5% | 19.6% | ||
| Q3 24 | -0.2% | 15.2% | ||
| Q2 24 | -1.5% | 21.8% | ||
| Q1 24 | -1.0% | 18.3% |
| Q4 25 | -8.6% | 36.3% | ||
| Q3 25 | -4.6% | 24.3% | ||
| Q2 25 | -4.0% | 23.0% | ||
| Q1 25 | -1.9% | 24.2% | ||
| Q4 24 | -1.1% | 14.1% | ||
| Q3 24 | -1.5% | 12.1% | ||
| Q2 24 | 0.6% | 15.8% | ||
| Q1 24 | -1.3% | 11.8% |
| Q4 25 | $-1.63 | $0.43 | ||
| Q3 25 | $-0.86 | $0.27 | ||
| Q2 25 | $-0.64 | $0.25 | ||
| Q1 25 | $-0.07 | $0.25 | ||
| Q4 24 | $-0.38 | $0.11 | ||
| Q3 24 | $-0.29 | $0.10 | ||
| Q2 24 | $0.08 | $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 | $1.9M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $17.3M | $541.5M |
| Total Assets | $69.5M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.9M | $126.2M | ||
| Q3 25 | $1.9M | $146.6M | ||
| Q2 25 | $2.5M | $126.6M | ||
| Q1 25 | $1.2M | $129.9M | ||
| Q4 24 | $4.6M | $139.8M | ||
| Q3 24 | $3.0M | $155.8M | ||
| Q2 24 | $1.3M | $103.2M | ||
| Q1 24 | $3.3M | $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 | $17.3M | $541.5M | ||
| Q3 25 | $19.7M | $529.8M | ||
| Q2 25 | $21.3M | $521.1M | ||
| Q1 25 | $21.8M | $513.9M | ||
| Q4 24 | $22.3M | $505.5M | ||
| Q3 24 | $23.5M | $504.6M | ||
| Q2 24 | $23.8M | $497.7M | ||
| Q1 24 | $23.9M | $493.7M |
| Q4 25 | $69.5M | $3.2B | ||
| Q3 25 | $73.0M | $3.2B | ||
| Q2 25 | $71.7M | $3.2B | ||
| Q1 25 | $68.5M | $3.1B | ||
| Q4 24 | $75.5M | $3.0B | ||
| Q3 24 | $74.7M | $3.0B | ||
| Q2 24 | $69.9M | $2.8B | ||
| Q1 24 | $68.6M | $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 | $2.3M | $55.6M |
| Free Cash FlowOCF − Capex | $2.3M | $54.6M |
| FCF MarginFCF / Revenue | 7.5% | 173.9% |
| Capex IntensityCapex / Revenue | 0.2% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $-212.5K | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.3M | $55.6M | ||
| Q3 25 | $-1.9M | $1.4M | ||
| Q2 25 | $7.6M | $6.2M | ||
| Q1 25 | $-7.4M | $13.1M | ||
| Q4 24 | $617.4K | $7.2M | ||
| Q3 24 | $-915.0K | $-14.6M | ||
| Q2 24 | $862.1K | $-2.6M | ||
| Q1 24 | $-8.0M | $1.5M |
| Q4 25 | $2.3M | $54.6M | ||
| Q3 25 | $-2.1M | $786.0K | ||
| Q2 25 | $7.4M | $5.9M | ||
| Q1 25 | $-7.7M | $12.9M | ||
| Q4 24 | $-214.1K | $4.5M | ||
| Q3 24 | $-1.1M | $-15.0M | ||
| Q2 24 | $281.5K | $-2.6M | ||
| Q1 24 | $-8.6M | $-315.0K |
| Q4 25 | 7.5% | 173.9% | ||
| Q3 25 | -5.9% | 2.9% | ||
| Q2 25 | 23.8% | 22.4% | ||
| Q1 25 | -23.3% | 52.6% | ||
| Q4 24 | -0.6% | 19.7% | ||
| Q3 24 | -3.0% | -74.1% | ||
| Q2 24 | 1.0% | -13.0% | ||
| Q1 24 | -28.0% | -1.5% |
| Q4 25 | 0.2% | 3.1% | ||
| Q3 25 | 0.7% | 2.3% | ||
| Q2 25 | 0.7% | 1.0% | ||
| Q1 25 | 1.1% | 0.6% | ||
| Q4 24 | 2.3% | 11.9% | ||
| Q3 24 | 0.5% | 2.0% | ||
| Q2 24 | 2.0% | 0.3% | ||
| Q1 24 | 2.0% | 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 | 5.27× | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
PDLB
Segment breakdown not available.
