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Side-by-side financial comparison of GRAIL, Inc. (GRAL) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
GRAIL, Inc. is the larger business by last-quarter revenue ($43.6M vs $31.4M, roughly 1.4× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -227.5%, a 263.8% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 14.0%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-63.9M). Over the past eight quarters, GRAIL, Inc.'s revenue compounded faster (27.7% CAGR vs 23.7%).
GRAIL, Inc. is an American biotechnology company based in Menlo Park, California founded in 2015 seeking to develop an early cancer screening test for people who do not have symptoms. As a startup it was a subsidiary of Illumina, which bought it outright in 2021.
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.
GRAL vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $43.6M | $31.4M |
| Net Profit | $-99.2M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | -285.4% | 43.6% |
| Net Margin | -227.5% | 36.3% |
| Revenue YoY | 14.0% | 37.6% |
| Net Profit YoY | -2.2% | 245.6% |
| EPS (diluted) | $-2.37 | $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 | $43.6M | $31.4M | ||
| Q3 25 | $36.2M | $26.7M | ||
| Q2 25 | $35.5M | $26.5M | ||
| Q1 25 | $31.8M | $24.6M | ||
| Q4 24 | $38.3M | $22.8M | ||
| Q3 24 | $28.7M | $20.2M | ||
| Q2 24 | $32.0M | $20.2M | ||
| Q1 24 | $26.7M | $20.5M |
| Q4 25 | $-99.2M | $10.1M | ||
| Q3 25 | $-89.0M | $6.5M | ||
| Q2 25 | $-114.0M | $6.1M | ||
| Q1 25 | $-106.2M | $6.0M | ||
| Q4 24 | $-97.1M | $2.9M | ||
| Q3 24 | $-125.7M | $2.4M | ||
| Q2 24 | $-1.6B | $3.2M | ||
| Q1 24 | $-218.9M | $2.4M |
| Q4 25 | -285.4% | 43.6% | ||
| Q3 25 | -346.2% | 32.8% | ||
| Q2 25 | -446.9% | 30.2% | ||
| Q1 25 | -482.5% | 32.5% | ||
| Q4 24 | -358.0% | 19.6% | ||
| Q3 24 | -640.5% | 15.2% | ||
| Q2 24 | -5133.8% | 21.8% | ||
| Q1 24 | -851.1% | 18.3% |
| Q4 25 | -227.5% | 36.3% | ||
| Q3 25 | -245.8% | 24.3% | ||
| Q2 25 | -320.7% | 23.0% | ||
| Q1 25 | -333.6% | 24.2% | ||
| Q4 24 | -253.8% | 14.1% | ||
| Q3 24 | -438.7% | 12.1% | ||
| Q2 24 | -4958.8% | 15.8% | ||
| Q1 24 | -819.3% | 11.8% |
| Q4 25 | $-2.37 | $0.43 | ||
| Q3 25 | $-2.46 | $0.27 | ||
| Q2 25 | $-3.18 | $0.25 | ||
| Q1 25 | $-3.10 | $0.25 | ||
| Q4 24 | $-1.49 | $0.11 | ||
| Q3 24 | $-3.94 | $0.10 | ||
| Q2 24 | $-51.06 | $0.14 | ||
| Q1 24 | $-7.05 | $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 | $249.7M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $2.6B | $541.5M |
| Total Assets | $2.9B | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $249.7M | $126.2M | ||
| Q3 25 | $126.9M | $146.6M | ||
| Q2 25 | $127.4M | $126.6M | ||
| Q1 25 | $133.9M | $129.9M | ||
| Q4 24 | $214.2M | $139.8M | ||
| Q3 24 | $853.6M | $155.8M | ||
| Q2 24 | $958.8M | $103.2M | ||
| Q1 24 | $199.7M | $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 | $2.6B | $541.5M | ||
| Q3 25 | $2.2B | $529.8M | ||
| Q2 25 | $2.3B | $521.1M | ||
| Q1 25 | $2.4B | $513.9M | ||
| Q4 24 | $2.5B | $505.5M | ||
| Q3 24 | $2.6B | $504.6M | ||
| Q2 24 | $2.7B | $497.7M | ||
| Q1 24 | — | $493.7M |
| Q4 25 | $2.9B | $3.2B | ||
| Q3 25 | $2.6B | $3.2B | ||
| Q2 25 | $2.7B | $3.2B | ||
| Q1 25 | $2.8B | $3.1B | ||
| Q4 24 | $3.0B | $3.0B | ||
| Q3 24 | $3.1B | $3.0B | ||
| Q2 24 | $3.3B | $2.8B | ||
| Q1 24 | — | $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 | $-63.8M | $55.6M |
| Free Cash FlowOCF − Capex | $-63.9M | $54.6M |
| FCF MarginFCF / Revenue | -146.5% | 173.9% |
| Capex IntensityCapex / Revenue | 0.2% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $-299.9M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-63.8M | $55.6M | ||
| Q3 25 | $-63.2M | $1.4M | ||
| Q2 25 | $-77.0M | $6.2M | ||
| Q1 25 | $-95.0M | $13.1M | ||
| Q4 24 | — | $7.2M | ||
| Q3 24 | $-104.6M | $-14.6M | ||
| Q2 24 | $-171.8M | $-2.6M | ||
| Q1 24 | $-207.3M | $1.5M |
| Q4 25 | $-63.9M | $54.6M | ||
| Q3 25 | $-63.6M | $786.0K | ||
| Q2 25 | $-77.3M | $5.9M | ||
| Q1 25 | $-95.1M | $12.9M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | $-105.6M | $-15.0M | ||
| Q2 24 | $-173.2M | $-2.6M | ||
| Q1 24 | $-209.8M | $-315.0K |
| Q4 25 | -146.5% | 173.9% | ||
| Q3 25 | -175.8% | 2.9% | ||
| Q2 25 | -217.6% | 22.4% | ||
| Q1 25 | -298.6% | 52.6% | ||
| Q4 24 | — | 19.7% | ||
| Q3 24 | -368.4% | -74.1% | ||
| Q2 24 | -541.7% | -13.0% | ||
| Q1 24 | -785.3% | -1.5% |
| Q4 25 | 0.2% | 3.1% | ||
| Q3 25 | 1.1% | 2.3% | ||
| Q2 25 | 1.0% | 1.0% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | 3.4% | 2.0% | ||
| Q2 24 | 4.3% | 0.3% | ||
| Q1 24 | 9.5% | 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
GRAL
| Screening Revenue | $42.3M | 97% |
| Developmental Services Revenue | $1.3M | 3% |
PDLB
Segment breakdown not available.
