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Side-by-side financial comparison of HEALTHY CHOICE WELLNESS CORP. (HCWC) 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 $18.7M, roughly 1.7× HEALTHY CHOICE WELLNESS CORP.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -8.9%, a 45.2% gap on every dollar of revenue. Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-927.1K).
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.
HCWC vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.7M | $31.4M |
| Net Profit | $-1.7M | $10.1M |
| Gross Margin | 39.1% | — |
| Operating Margin | -7.6% | 43.6% |
| Net Margin | -8.9% | 36.3% |
| Revenue YoY | — | 37.6% |
| Net Profit YoY | — | 245.6% |
| EPS (diluted) | $-0.05 | $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 | $18.7M | $31.4M | ||
| Q3 25 | $19.0M | $26.7M | ||
| Q2 25 | $20.2M | $26.5M | ||
| Q1 25 | $20.3M | $24.6M | ||
| Q4 24 | — | $22.8M | ||
| Q3 24 | $18.2M | $20.2M | ||
| Q2 24 | — | $20.2M | ||
| Q1 24 | — | $20.5M |
| Q4 25 | $-1.7M | $10.1M | ||
| Q3 25 | $-1.2M | $6.5M | ||
| Q2 25 | $-339.4K | $6.1M | ||
| Q1 25 | $-712.4K | $6.0M | ||
| Q4 24 | — | $2.9M | ||
| Q3 24 | $-2.7M | $2.4M | ||
| Q2 24 | — | $3.2M | ||
| Q1 24 | — | $2.4M |
| Q4 25 | 39.1% | — | ||
| Q3 25 | 38.8% | — | ||
| Q2 25 | 40.1% | — | ||
| Q1 25 | 38.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 38.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | -7.6% | 43.6% | ||
| Q3 25 | -3.2% | 32.8% | ||
| Q2 25 | -0.2% | 30.2% | ||
| Q1 25 | -2.0% | 32.5% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | -2.0% | 15.2% | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | 18.3% |
| Q4 25 | -8.9% | 36.3% | ||
| Q3 25 | -6.4% | 24.3% | ||
| Q2 25 | -1.7% | 23.0% | ||
| Q1 25 | -3.5% | 24.2% | ||
| Q4 24 | — | 14.1% | ||
| Q3 24 | -14.6% | 12.1% | ||
| Q2 24 | — | 15.8% | ||
| Q1 24 | — | 11.8% |
| Q4 25 | $-0.05 | $0.43 | ||
| Q3 25 | $-0.09 | $0.27 | ||
| Q2 25 | $-0.03 | $0.25 | ||
| Q1 25 | $-0.07 | $0.25 | ||
| Q4 24 | — | $0.11 | ||
| Q3 24 | $-0.29 | $0.10 | ||
| Q2 24 | — | $0.14 | ||
| Q1 24 | — | $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 | $3.0M | $126.2M |
| Total DebtLower is stronger | $7.3M | $596.1M |
| Stockholders' EquityBook value | $7.3M | $541.5M |
| Total Assets | $33.5M | $3.2B |
| Debt / EquityLower = less leverage | 1.00× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0M | $126.2M | ||
| Q3 25 | $3.0M | $146.6M | ||
| Q2 25 | $4.7M | $126.6M | ||
| Q1 25 | $1.8M | $129.9M | ||
| Q4 24 | — | $139.8M | ||
| Q3 24 | $1.8M | $155.8M | ||
| Q2 24 | — | $103.2M | ||
| Q1 24 | — | $134.7M |
| Q4 25 | $7.3M | $596.1M | ||
| Q3 25 | $8.5M | $521.1M | ||
| Q2 25 | $9.7M | $536.1M | ||
| Q1 25 | $10.6M | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | $11.6M | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $7.3M | $541.5M | ||
| Q3 25 | $5.9M | $529.8M | ||
| Q2 25 | $5.8M | $521.1M | ||
| Q1 25 | $2.1M | $513.9M | ||
| Q4 24 | — | $505.5M | ||
| Q3 24 | $2.9M | $504.6M | ||
| Q2 24 | — | $497.7M | ||
| Q1 24 | — | $493.7M |
| Q4 25 | $33.5M | $3.2B | ||
| Q3 25 | $33.7M | $3.2B | ||
| Q2 25 | $36.4M | $3.2B | ||
| Q1 25 | $34.1M | $3.1B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | $33.2M | $3.0B | ||
| Q2 24 | — | $2.8B | ||
| Q1 24 | — | $2.8B |
| Q4 25 | 1.00× | 1.10× | ||
| Q3 25 | 1.43× | 0.98× | ||
| Q2 25 | 1.69× | 1.03× | ||
| Q1 25 | 5.01× | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | 3.95× | 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 | $-855.1K | $55.6M |
| Free Cash FlowOCF − Capex | $-927.1K | $54.6M |
| FCF MarginFCF / Revenue | -5.0% | 173.9% |
| Capex IntensityCapex / Revenue | 0.4% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $675.4K | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-855.1K | $55.6M | ||
| Q3 25 | $-308.7K | $1.4M | ||
| Q2 25 | $1.1M | $6.2M | ||
| Q1 25 | $1.1M | $13.1M | ||
| Q4 24 | — | $7.2M | ||
| Q3 24 | — | $-14.6M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $1.5M |
| Q4 25 | $-927.1K | $54.6M | ||
| Q3 25 | $-351.3K | $786.0K | ||
| Q2 25 | $988.6K | $5.9M | ||
| Q1 25 | $965.3K | $12.9M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | — | $-15.0M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $-315.0K |
| Q4 25 | -5.0% | 173.9% | ||
| Q3 25 | -1.8% | 2.9% | ||
| Q2 25 | 4.9% | 22.4% | ||
| Q1 25 | 4.8% | 52.6% | ||
| Q4 24 | — | 19.7% | ||
| Q3 24 | — | -74.1% | ||
| Q2 24 | — | -13.0% | ||
| Q1 24 | — | -1.5% |
| Q4 25 | 0.4% | 3.1% | ||
| Q3 25 | 0.2% | 2.3% | ||
| Q2 25 | 0.4% | 1.0% | ||
| Q1 25 | 0.6% | 0.6% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 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
HCWC
| Retail Grocery | $17.1M | 91% |
| Food Service Restaurant | $1.7M | 9% |
PDLB
Segment breakdown not available.
