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Side-by-side financial comparison of Fluent, Inc. (FLNT) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Fluent, Inc. is the larger business by last-quarter revenue ($61.8M vs $31.4M, roughly 2.0× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -6.7%, a 42.9% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -5.5%). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -3.2%).
THG Fluently, formerly Language Connect, is a translation and language localisation service provided by THG Ingenuity. It provides a range of language services, including translation, interpreting, localisation, voice-overs, transcription, and multilingual search engine optimization.
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.
FLNT vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $61.8M | $31.4M |
| Net Profit | $-4.1M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | 0.3% | 43.6% |
| Net Margin | -6.7% | 36.3% |
| Revenue YoY | -5.5% | 37.6% |
| Net Profit YoY | -20.1% | 245.6% |
| EPS (diluted) | $-0.09 | $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 | $61.8M | $31.4M | ||
| Q3 25 | $47.0M | $26.7M | ||
| Q2 25 | $44.7M | $26.5M | ||
| Q1 25 | $55.2M | $24.6M | ||
| Q4 24 | $65.4M | $22.8M | ||
| Q3 24 | $64.5M | $20.2M | ||
| Q2 24 | $58.7M | $20.2M | ||
| Q1 24 | $66.0M | $20.5M |
| Q4 25 | $-4.1M | $10.1M | ||
| Q3 25 | $-7.6M | $6.5M | ||
| Q2 25 | $-7.2M | $6.1M | ||
| Q1 25 | $-8.3M | $6.0M | ||
| Q4 24 | $-3.4M | $2.9M | ||
| Q3 24 | $-7.9M | $2.4M | ||
| Q2 24 | $-11.6M | $3.2M | ||
| Q1 24 | $-6.3M | $2.4M |
| Q4 25 | 0.3% | 43.6% | ||
| Q3 25 | -13.4% | 32.8% | ||
| Q2 25 | -15.9% | 30.2% | ||
| Q1 25 | -12.8% | 32.5% | ||
| Q4 24 | -8.3% | 19.6% | ||
| Q3 24 | -6.0% | 15.2% | ||
| Q2 24 | -17.7% | 21.8% | ||
| Q1 24 | -6.0% | 18.3% |
| Q4 25 | -6.7% | 36.3% | ||
| Q3 25 | -16.1% | 24.3% | ||
| Q2 25 | -16.2% | 23.0% | ||
| Q1 25 | -15.0% | 24.2% | ||
| Q4 24 | -5.2% | 14.1% | ||
| Q3 24 | -12.3% | 12.1% | ||
| Q2 24 | -19.8% | 15.8% | ||
| Q1 24 | -9.5% | 11.8% |
| Q4 25 | $-0.09 | $0.43 | ||
| Q3 25 | $-0.27 | $0.27 | ||
| Q2 25 | $-0.30 | $0.25 | ||
| Q1 25 | $-0.39 | $0.25 | ||
| Q4 24 | $-0.12 | $0.11 | ||
| Q3 24 | $-0.48 | $0.10 | ||
| Q2 24 | $-0.75 | $0.14 | ||
| Q1 24 | $-0.45 | $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 | $12.9M | $126.2M |
| Total DebtLower is stronger | $34.6M | $596.1M |
| Stockholders' EquityBook value | $18.2M | $541.5M |
| Total Assets | $89.1M | $3.2B |
| Debt / EquityLower = less leverage | 1.90× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $12.9M | $126.2M | ||
| Q3 25 | $9.2M | $146.6M | ||
| Q2 25 | $4.9M | $126.6M | ||
| Q1 25 | $4.8M | $129.9M | ||
| Q4 24 | $9.4M | $139.8M | ||
| Q3 24 | $6.6M | $155.8M | ||
| Q2 24 | $5.0M | $103.2M | ||
| Q1 24 | $11.7M | $134.7M |
| Q4 25 | $34.6M | $596.1M | ||
| Q3 25 | $26.0M | $521.1M | ||
| Q2 25 | $23.2M | $536.1M | ||
| Q1 25 | $25.6M | $521.1M | ||
| Q4 24 | $35.6M | $596.1M | ||
| Q3 24 | $37.9M | $580.4M | ||
| Q2 24 | $33.3M | $680.4M | ||
| Q1 24 | $31.0M | $680.4M |
| Q4 25 | $18.2M | $541.5M | ||
| Q3 25 | $21.6M | $529.8M | ||
| Q2 25 | $19.1M | $521.1M | ||
| Q1 25 | $22.0M | $513.9M | ||
| Q4 24 | $25.0M | $505.5M | ||
| Q3 24 | $20.0M | $504.6M | ||
| Q2 24 | $27.5M | $497.7M | ||
| Q1 24 | $28.7M | $493.7M |
| Q4 25 | $89.1M | $3.2B | ||
| Q3 25 | $76.1M | $3.2B | ||
| Q2 25 | $74.5M | $3.2B | ||
| Q1 25 | $77.5M | $3.1B | ||
| Q4 24 | $93.6M | $3.0B | ||
| Q3 24 | $77.5M | $3.0B | ||
| Q2 24 | $98.5M | $2.8B | ||
| Q1 24 | $103.6M | $2.8B |
| Q4 25 | 1.90× | 1.10× | ||
| Q3 25 | 1.21× | 0.98× | ||
| Q2 25 | 1.21× | 1.03× | ||
| Q1 25 | 1.16× | 1.01× | ||
| Q4 24 | 1.43× | 1.18× | ||
| Q3 24 | 1.90× | 1.15× | ||
| Q2 24 | 1.21× | 1.37× | ||
| Q1 24 | 1.08× | 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 | $2.8M | $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 | $2.8M | $55.6M | ||
| Q3 25 | $-7.3M | $1.4M | ||
| Q2 25 | $935.0K | $6.2M | ||
| Q1 25 | $2.1M | $13.1M | ||
| Q4 24 | $-2.1M | $7.2M | ||
| Q3 24 | $1.2M | $-14.6M | ||
| Q2 24 | $-13.1M | $-2.6M | ||
| Q1 24 | $-132.0K | $1.5M |
| Q4 25 | — | $54.6M | ||
| Q3 25 | $-7.3M | $786.0K | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $12.9M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | $1.2M | $-15.0M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $-315.0K |
| Q4 25 | — | 173.9% | ||
| Q3 25 | -15.6% | 2.9% | ||
| Q2 25 | — | 22.4% | ||
| Q1 25 | — | 52.6% | ||
| Q4 24 | — | 19.7% | ||
| Q3 24 | 1.9% | -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 | — | 11.9% | ||
| Q3 24 | 0.0% | 2.0% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 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.
Revenue Breakdown by Segment
FLNT
| Commerce Media Solutions | $34.7M | 56% |
| Owned And Operated | $21.3M | 34% |
| Call Solutions | $3.8M | 6% |
| Ad Parlor | $2.0M | 3% |
PDLB
Segment breakdown not available.
