vs
Side-by-side financial comparison of Five9, Inc. (FIVN) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
Five9, Inc. is the larger business by last-quarter revenue ($300.3M vs $153.1M, roughly 2.0× CPI Card Group Inc.). On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 7.8%). Five9, Inc. produced more free cash flow last quarter ($77.3M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 10.3%).
Five9, Inc. is a leading global provider of cloud-native contact center software and solutions. It serves enterprises of all sizes across retail, healthcare, financial services, and technology sectors, offering omnichannel customer engagement tools, AI-powered automation, workforce management, and analytics to boost customer experience and operational efficiency.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
FIVN vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $300.3M | $153.1M |
| Net Profit | — | $7.3M |
| Gross Margin | 55.4% | 31.5% |
| Operating Margin | 6.6% | 12.0% |
| Net Margin | — | 4.8% |
| Revenue YoY | 7.8% | 22.3% |
| Net Profit YoY | — | 8.5% |
| EPS (diluted) | $0.22 | $0.62 |
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 | $300.3M | $153.1M | ||
| Q3 25 | $285.8M | $138.0M | ||
| Q2 25 | $283.3M | $129.8M | ||
| Q1 25 | $279.7M | $122.8M | ||
| Q4 24 | $278.7M | $125.1M | ||
| Q3 24 | $264.2M | $124.8M | ||
| Q2 24 | $252.1M | $118.8M | ||
| Q1 24 | $247.0M | $111.9M |
| Q4 25 | — | $7.3M | ||
| Q3 25 | $18.0M | $2.3M | ||
| Q2 25 | $1.2M | $518.0K | ||
| Q1 25 | $576.0K | $4.8M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | $-4.5M | $1.3M | ||
| Q2 24 | $-12.8M | $6.0M | ||
| Q1 24 | $-7.1M | $5.5M |
| Q4 25 | 55.4% | 31.5% | ||
| Q3 25 | 55.0% | 29.7% | ||
| Q2 25 | 54.9% | 30.9% | ||
| Q1 25 | 55.0% | 33.2% | ||
| Q4 24 | 56.0% | 34.1% | ||
| Q3 24 | 53.8% | 35.8% | ||
| Q2 24 | 53.0% | 35.7% | ||
| Q1 24 | 53.6% | 37.1% |
| Q4 25 | 6.6% | 12.0% | ||
| Q3 25 | 5.6% | 9.4% | ||
| Q2 25 | -0.6% | 7.3% | ||
| Q1 25 | -1.9% | 11.5% | ||
| Q4 24 | 1.5% | 12.7% | ||
| Q3 24 | -5.8% | 14.3% | ||
| Q2 24 | -7.7% | 12.5% | ||
| Q1 24 | -8.4% | 12.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | 6.3% | 1.7% | ||
| Q2 25 | 0.4% | 0.4% | ||
| Q1 25 | 0.2% | 3.9% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | -1.7% | 1.0% | ||
| Q2 24 | -5.1% | 5.1% | ||
| Q1 24 | -2.9% | 4.9% |
| Q4 25 | $0.22 | $0.62 | ||
| Q3 25 | $0.21 | $0.19 | ||
| Q2 25 | $0.01 | $0.04 | ||
| Q1 25 | $0.01 | $0.40 | ||
| Q4 24 | $0.16 | $0.56 | ||
| Q3 24 | $-0.06 | $0.11 | ||
| Q2 24 | $-0.17 | $0.51 | ||
| Q1 24 | $-0.10 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $232.1M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $785.8M | $-17.3M |
| Total Assets | $1.8B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $232.1M | $21.7M | ||
| Q3 25 | $193.4M | $16.0M | ||
| Q2 25 | $205.5M | $17.1M | ||
| Q1 25 | $370.3M | $31.5M | ||
| Q4 24 | $362.5M | $33.5M | ||
| Q3 24 | $291.0M | $14.7M | ||
| Q2 24 | $175.7M | $7.5M | ||
| Q1 24 | $240.2M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $785.8M | $-17.3M | ||
| Q3 25 | $775.3M | $-25.7M | ||
| Q2 25 | $717.4M | $-29.0M | ||
| Q1 25 | $664.3M | $-29.7M | ||
| Q4 24 | $622.2M | $-35.6M | ||
| Q3 24 | $565.6M | $-42.8M | ||
| Q2 24 | $525.9M | $-44.6M | ||
| Q1 24 | $483.6M | $-48.5M |
| Q4 25 | $1.8B | $403.2M | ||
| Q3 25 | $1.8B | $407.1M | ||
| Q2 25 | $1.7B | $399.8M | ||
| Q1 25 | $2.1B | $351.9M | ||
| Q4 24 | $2.1B | $349.7M | ||
| Q3 24 | $2.0B | $342.3M | ||
| Q2 24 | $1.9B | $321.4M | ||
| Q1 24 | $1.9B | $319.8M |
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 | $83.6M | $39.6M |
| Free Cash FlowOCF − Capex | $77.3M | $35.2M |
| FCF MarginFCF / Revenue | 25.8% | 23.0% |
| Capex IntensityCapex / Revenue | 2.1% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $201.2M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.6M | $39.6M | ||
| Q3 25 | $59.2M | $10.0M | ||
| Q2 25 | $35.1M | $4.3M | ||
| Q1 25 | $48.4M | $5.6M | ||
| Q4 24 | $49.8M | $26.7M | ||
| Q3 24 | $41.1M | $12.5M | ||
| Q2 24 | $19.9M | $-4.8M | ||
| Q1 24 | $32.4M | $8.9M |
| Q4 25 | $77.3M | $35.2M | ||
| Q3 25 | $48.7M | $5.3M | ||
| Q2 25 | $31.6M | $533.0K | ||
| Q1 25 | $43.7M | $292.0K | ||
| Q4 24 | $40.5M | $21.6M | ||
| Q3 24 | $26.7M | $11.1M | ||
| Q2 24 | $13.1M | $-6.0M | ||
| Q1 24 | $20.4M | $7.4M |
| Q4 25 | 25.8% | 23.0% | ||
| Q3 25 | 17.0% | 3.8% | ||
| Q2 25 | 11.1% | 0.4% | ||
| Q1 25 | 15.6% | 0.2% | ||
| Q4 24 | 14.5% | 17.3% | ||
| Q3 24 | 10.1% | 8.9% | ||
| Q2 24 | 5.2% | -5.0% | ||
| Q1 24 | 8.3% | 6.6% |
| Q4 25 | 2.1% | 2.9% | ||
| Q3 25 | 3.7% | 3.4% | ||
| Q2 25 | 1.2% | 2.9% | ||
| Q1 25 | 1.7% | 4.3% | ||
| Q4 24 | 3.3% | 4.0% | ||
| Q3 24 | 5.4% | 1.2% | ||
| Q2 24 | 2.7% | 1.0% | ||
| Q1 24 | 4.8% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | 3.29× | 4.32× | ||
| Q2 25 | 30.38× | 8.39× | ||
| Q1 25 | 84.00× | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | — | 9.70× | ||
| Q2 24 | — | -0.79× | ||
| Q1 24 | — | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FIVN
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
