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Side-by-side financial comparison of HEALTHSTREAM INC (HSTM) 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 $79.7M, roughly 1.9× HEALTHSTREAM INC). On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 7.4%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $13.0M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 4.7%).
HealthStream Inc is a leading U.S.-based provider of workforce development, compliance, and training solutions tailored for the healthcare industry. It offers cloud-based platforms covering clinical skill training, talent management, patient safety education, and regulatory adherence tools, serving over 4,000 healthcare organizations including hospitals, clinics, and long-term care facilities nationwide.
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.
HSTM vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $79.7M | $153.1M |
| Net Profit | — | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 3.0% | 12.0% |
| Net Margin | — | 4.8% |
| Revenue YoY | 7.4% | 22.3% |
| Net Profit YoY | — | 8.5% |
| EPS (diluted) | $0.09 | $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 | $79.7M | $153.1M | ||
| Q3 25 | $76.5M | $138.0M | ||
| Q2 25 | $74.4M | $129.8M | ||
| Q1 25 | $73.5M | $122.8M | ||
| Q4 24 | $74.2M | $125.1M | ||
| Q3 24 | $73.1M | $124.8M | ||
| Q2 24 | $71.6M | $118.8M | ||
| Q1 24 | $72.8M | $111.9M |
| Q4 25 | — | $7.3M | ||
| Q3 25 | $6.1M | $2.3M | ||
| Q2 25 | $5.4M | $518.0K | ||
| Q1 25 | $4.3M | $4.8M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | $5.7M | $1.3M | ||
| Q2 24 | $4.2M | $6.0M | ||
| Q1 24 | $5.2M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 3.0% | 12.0% | ||
| Q3 25 | 9.9% | 9.4% | ||
| Q2 25 | 7.9% | 7.3% | ||
| Q1 25 | 6.0% | 11.5% | ||
| Q4 24 | 6.3% | 12.7% | ||
| Q3 24 | 8.9% | 14.3% | ||
| Q2 24 | 6.2% | 12.5% | ||
| Q1 24 | 7.8% | 12.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | 8.0% | 1.7% | ||
| Q2 25 | 7.2% | 0.4% | ||
| Q1 25 | 5.9% | 3.9% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 7.8% | 1.0% | ||
| Q2 24 | 5.8% | 5.1% | ||
| Q1 24 | 7.2% | 4.9% |
| Q4 25 | $0.09 | $0.62 | ||
| Q3 25 | $0.20 | $0.19 | ||
| Q2 25 | $0.18 | $0.04 | ||
| Q1 25 | $0.14 | $0.40 | ||
| Q4 24 | $0.16 | $0.56 | ||
| Q3 24 | $0.19 | $0.11 | ||
| Q2 24 | $0.14 | $0.51 | ||
| Q1 24 | $0.17 | $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 | $36.2M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $354.0M | $-17.3M |
| Total Assets | $520.4M | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $36.2M | $21.7M | ||
| Q3 25 | $53.5M | $16.0M | ||
| Q2 25 | $52.1M | $17.1M | ||
| Q1 25 | $77.3M | $31.5M | ||
| Q4 24 | $59.5M | $33.5M | ||
| Q3 24 | $57.5M | $14.7M | ||
| Q2 24 | $46.1M | $7.5M | ||
| Q1 24 | $52.4M | $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 | $354.0M | $-17.3M | ||
| Q3 25 | $349.2M | $-25.7M | ||
| Q2 25 | $350.6M | $-29.0M | ||
| Q1 25 | $362.8M | $-29.7M | ||
| Q4 24 | $359.4M | $-35.6M | ||
| Q3 24 | $355.5M | $-42.8M | ||
| Q2 24 | $349.2M | $-44.6M | ||
| Q1 24 | $344.9M | $-48.5M |
| Q4 25 | $520.4M | $403.2M | ||
| Q3 25 | $499.9M | $407.1M | ||
| Q2 25 | $500.1M | $399.8M | ||
| Q1 25 | $524.0M | $351.9M | ||
| Q4 24 | $510.8M | $349.7M | ||
| Q3 24 | $502.8M | $342.3M | ||
| Q2 24 | $499.6M | $321.4M | ||
| Q1 24 | $511.6M | $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 | $13.2M | $39.6M |
| Free Cash FlowOCF − Capex | $13.0M | $35.2M |
| FCF MarginFCF / Revenue | 16.3% | 23.0% |
| Capex IntensityCapex / Revenue | 0.3% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $59.6M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.2M | $39.6M | ||
| Q3 25 | $18.0M | $10.0M | ||
| Q2 25 | $5.0M | $4.3M | ||
| Q1 25 | $27.1M | $5.6M | ||
| Q4 24 | $11.2M | $26.7M | ||
| Q3 24 | $19.1M | $12.5M | ||
| Q2 24 | $6.5M | $-4.8M | ||
| Q1 24 | $20.9M | $8.9M |
| Q4 25 | $13.0M | $35.2M | ||
| Q3 25 | $17.9M | $5.3M | ||
| Q2 25 | $2.7M | $533.0K | ||
| Q1 25 | $26.0M | $292.0K | ||
| Q4 24 | $11.0M | $21.6M | ||
| Q3 24 | $18.8M | $11.1M | ||
| Q2 24 | $6.3M | $-6.0M | ||
| Q1 24 | $20.2M | $7.4M |
| Q4 25 | 16.3% | 23.0% | ||
| Q3 25 | 23.4% | 3.8% | ||
| Q2 25 | 3.6% | 0.4% | ||
| Q1 25 | 35.4% | 0.2% | ||
| Q4 24 | 14.8% | 17.3% | ||
| Q3 24 | 25.8% | 8.9% | ||
| Q2 24 | 8.8% | -5.0% | ||
| Q1 24 | 27.8% | 6.6% |
| Q4 25 | 0.3% | 2.9% | ||
| Q3 25 | 0.1% | 3.4% | ||
| Q2 25 | 3.1% | 2.9% | ||
| Q1 25 | 1.4% | 4.3% | ||
| Q4 24 | 0.3% | 4.0% | ||
| Q3 24 | 0.4% | 1.2% | ||
| Q2 24 | 0.2% | 1.0% | ||
| Q1 24 | 1.0% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | 2.96× | 4.32× | ||
| Q2 25 | 0.93× | 8.39× | ||
| Q1 25 | 6.25× | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | 3.34× | 9.70× | ||
| Q2 24 | 1.55× | -0.79× | ||
| Q1 24 | 4.01× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HSTM
| Subscription Services | $77.0M | 97% |
| Professional Services | $2.7M | 3% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
