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Side-by-side financial comparison of GRID DYNAMICS HOLDINGS, INC. (GDYN) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $106.2M, roughly 1.4× GRID DYNAMICS HOLDINGS, INC.). CPI Card Group Inc. runs the higher net margin — 4.8% vs 0.3%, a 4.5% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 5.9%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $6.1M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 15.3%).
Escape Dynamics, Inc. was a Colorado-based technology company that operated 2010–2015 focused on bringing to market single-stage-to-orbit reusable electromagnetically powered spaceplanes.
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.
GDYN vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $106.2M | $153.1M |
| Net Profit | $306.0K | $7.3M |
| Gross Margin | 34.0% | 31.5% |
| Operating Margin | 0.5% | 12.0% |
| Net Margin | 0.3% | 4.8% |
| Revenue YoY | 5.9% | 22.3% |
| Net Profit YoY | -93.2% | 8.5% |
| EPS (diluted) | $0.01 | $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 | $106.2M | $153.1M | ||
| Q3 25 | $104.2M | $138.0M | ||
| Q2 25 | $101.1M | $129.8M | ||
| Q1 25 | $100.4M | $122.8M | ||
| Q4 24 | $100.3M | $125.1M | ||
| Q3 24 | $87.4M | $124.8M | ||
| Q2 24 | $83.0M | $118.8M | ||
| Q1 24 | $79.8M | $111.9M |
| Q4 25 | $306.0K | $7.3M | ||
| Q3 25 | $1.2M | $2.3M | ||
| Q2 25 | $5.3M | $518.0K | ||
| Q1 25 | $2.9M | $4.8M | ||
| Q4 24 | $4.5M | $6.8M | ||
| Q3 24 | $4.3M | $1.3M | ||
| Q2 24 | $-817.0K | $6.0M | ||
| Q1 24 | $-3.9M | $5.5M |
| Q4 25 | 34.0% | 31.5% | ||
| Q3 25 | 33.3% | 29.7% | ||
| Q2 25 | 34.1% | 30.9% | ||
| Q1 25 | 36.8% | 33.2% | ||
| Q4 24 | 36.9% | 34.1% | ||
| Q3 24 | 37.4% | 35.8% | ||
| Q2 24 | 35.6% | 35.7% | ||
| Q1 24 | 34.7% | 37.1% |
| Q4 25 | 0.5% | 12.0% | ||
| Q3 25 | -0.2% | 9.4% | ||
| Q2 25 | -0.1% | 7.3% | ||
| Q1 25 | -2.0% | 11.5% | ||
| Q4 24 | 1.3% | 12.7% | ||
| Q3 24 | 2.4% | 14.3% | ||
| Q2 24 | 0.0% | 12.5% | ||
| Q1 24 | -6.9% | 12.6% |
| Q4 25 | 0.3% | 4.8% | ||
| Q3 25 | 1.1% | 1.7% | ||
| Q2 25 | 5.2% | 0.4% | ||
| Q1 25 | 2.9% | 3.9% | ||
| Q4 24 | 4.5% | 5.4% | ||
| Q3 24 | 4.9% | 1.0% | ||
| Q2 24 | -1.0% | 5.1% | ||
| Q1 24 | -4.9% | 4.9% |
| Q4 25 | $0.01 | $0.62 | ||
| Q3 25 | $0.01 | $0.19 | ||
| Q2 25 | $0.06 | $0.04 | ||
| Q1 25 | $0.03 | $0.40 | ||
| Q4 24 | $0.06 | $0.56 | ||
| Q3 24 | $0.05 | $0.11 | ||
| Q2 24 | $-0.01 | $0.51 | ||
| Q1 24 | $-0.05 | $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 | $342.1M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $542.1M | $-17.3M |
| Total Assets | $612.9M | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $342.1M | $21.7M | ||
| Q3 25 | $338.6M | $16.0M | ||
| Q2 25 | $336.8M | $17.1M | ||
| Q1 25 | $325.5M | $31.5M | ||
| Q4 24 | $334.7M | $33.5M | ||
| Q3 24 | $231.3M | $14.7M | ||
| Q2 24 | $256.0M | $7.5M | ||
| Q1 24 | $249.4M | $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 | $542.1M | $-17.3M | ||
| Q3 25 | $537.7M | $-25.7M | ||
| Q2 25 | $532.2M | $-29.0M | ||
| Q1 25 | $517.4M | $-29.7M | ||
| Q4 24 | $517.8M | $-35.6M | ||
| Q3 24 | $400.2M | $-42.8M | ||
| Q2 24 | $388.4M | $-44.6M | ||
| Q1 24 | $382.8M | $-48.5M |
| Q4 25 | $612.9M | $403.2M | ||
| Q3 25 | $613.2M | $407.1M | ||
| Q2 25 | $608.9M | $399.8M | ||
| Q1 25 | $590.9M | $351.9M | ||
| Q4 24 | $592.2M | $349.7M | ||
| Q3 24 | $477.3M | $342.3M | ||
| Q2 24 | $443.6M | $321.4M | ||
| Q1 24 | $435.3M | $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 | $9.9M | $39.6M |
| Free Cash FlowOCF − Capex | $6.1M | $35.2M |
| FCF MarginFCF / Revenue | 5.7% | 23.0% |
| Capex IntensityCapex / Revenue | 3.6% | 2.9% |
| Cash ConversionOCF / Net Profit | 32.34× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $25.3M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.9M | $39.6M | ||
| Q3 25 | $7.0M | $10.0M | ||
| Q2 25 | $14.4M | $4.3M | ||
| Q1 25 | $9.4M | $5.6M | ||
| Q4 24 | $7.1M | $26.7M | ||
| Q3 24 | $9.2M | $12.5M | ||
| Q2 24 | $10.7M | $-4.8M | ||
| Q1 24 | $3.2M | $8.9M |
| Q4 25 | $6.1M | $35.2M | ||
| Q3 25 | $2.9M | $5.3M | ||
| Q2 25 | $10.2M | $533.0K | ||
| Q1 25 | $6.0M | $292.0K | ||
| Q4 24 | $4.4M | $21.6M | ||
| Q3 24 | $5.9M | $11.1M | ||
| Q2 24 | $8.0M | $-6.0M | ||
| Q1 24 | $43.0K | $7.4M |
| Q4 25 | 5.7% | 23.0% | ||
| Q3 25 | 2.8% | 3.8% | ||
| Q2 25 | 10.1% | 0.4% | ||
| Q1 25 | 6.0% | 0.2% | ||
| Q4 24 | 4.4% | 17.3% | ||
| Q3 24 | 6.8% | 8.9% | ||
| Q2 24 | 9.7% | -5.0% | ||
| Q1 24 | 0.1% | 6.6% |
| Q4 25 | 3.6% | 2.9% | ||
| Q3 25 | 3.9% | 3.4% | ||
| Q2 25 | 4.1% | 2.9% | ||
| Q1 25 | 3.3% | 4.3% | ||
| Q4 24 | 2.6% | 4.0% | ||
| Q3 24 | 3.7% | 1.2% | ||
| Q2 24 | 3.2% | 1.0% | ||
| Q1 24 | 4.0% | 1.3% |
| Q4 25 | 32.34× | 5.39× | ||
| Q3 25 | 5.92× | 4.32× | ||
| Q2 25 | 2.73× | 8.39× | ||
| Q1 25 | 3.21× | 1.17× | ||
| Q4 24 | 1.56× | 3.94× | ||
| Q3 24 | 2.15× | 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
GDYN
| Other | $30.6M | 29% |
| Technology Media And Telecom | $30.1M | 28% |
| Financial Service | $24.3M | 23% |
| Manufactured Product Other | $10.8M | 10% |
| Related Party | $7.6M | 7% |
| Health Care | $2.8M | 3% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
