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Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
HEARTLAND EXPRESS INC is the larger business by last-quarter revenue ($179.4M vs $153.1M, roughly 1.2× CPI Card Group Inc.). CPI Card Group Inc. runs the higher net margin — 4.8% vs -10.8%, a 15.6% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -26.1%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-44.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs -18.5%).
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across the United States.
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.
HTLD vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $153.1M |
| Net Profit | $-19.4M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | -12.7% | 12.0% |
| Net Margin | -10.8% | 4.8% |
| Revenue YoY | -26.1% | 22.3% |
| Net Profit YoY | -949.2% | 8.5% |
| EPS (diluted) | $-0.24 | $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 | $179.4M | $153.1M | ||
| Q3 25 | $196.5M | $138.0M | ||
| Q2 25 | $210.4M | $129.8M | ||
| Q1 25 | $219.4M | $122.8M | ||
| Q4 24 | $242.6M | $125.1M | ||
| Q3 24 | $259.9M | $124.8M | ||
| Q2 24 | $274.8M | $118.8M | ||
| Q1 24 | $270.3M | $111.9M |
| Q4 25 | $-19.4M | $7.3M | ||
| Q3 25 | $-8.3M | $2.3M | ||
| Q2 25 | $-10.9M | $518.0K | ||
| Q1 25 | $-13.9M | $4.8M | ||
| Q4 24 | $-1.9M | $6.8M | ||
| Q3 24 | $-9.3M | $1.3M | ||
| Q2 24 | $-3.5M | $6.0M | ||
| Q1 24 | $-15.1M | $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 | -12.7% | 12.0% | ||
| Q3 25 | -3.7% | 9.4% | ||
| Q2 25 | -5.9% | 7.3% | ||
| Q1 25 | -6.8% | 11.5% | ||
| Q4 24 | 0.4% | 12.7% | ||
| Q3 24 | -2.7% | 14.3% | ||
| Q2 24 | 0.1% | 12.5% | ||
| Q1 24 | -5.3% | 12.6% |
| Q4 25 | -10.8% | 4.8% | ||
| Q3 25 | -4.2% | 1.7% | ||
| Q2 25 | -5.2% | 0.4% | ||
| Q1 25 | -6.3% | 3.9% | ||
| Q4 24 | -0.8% | 5.4% | ||
| Q3 24 | -3.6% | 1.0% | ||
| Q2 24 | -1.3% | 5.1% | ||
| Q1 24 | -5.6% | 4.9% |
| Q4 25 | $-0.24 | $0.62 | ||
| Q3 25 | $-0.11 | $0.19 | ||
| Q2 25 | $-0.14 | $0.04 | ||
| Q1 25 | $-0.18 | $0.40 | ||
| Q4 24 | $-0.03 | $0.56 | ||
| Q3 24 | $-0.12 | $0.11 | ||
| Q2 24 | $-0.04 | $0.51 | ||
| Q1 24 | $-0.19 | $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 | $18.5M | $21.7M |
| Total DebtLower is stronger | $154.1M | $286.7M |
| Stockholders' EquityBook value | $755.3M | $-17.3M |
| Total Assets | $1.2B | $403.2M |
| Debt / EquityLower = less leverage | 0.20× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.5M | $21.7M | ||
| Q3 25 | $32.7M | $16.0M | ||
| Q2 25 | $22.9M | $17.1M | ||
| Q1 25 | $23.9M | $31.5M | ||
| Q4 24 | $12.8M | $33.5M | ||
| Q3 24 | $30.7M | $14.7M | ||
| Q2 24 | $23.9M | $7.5M | ||
| Q1 24 | $23.8M | $17.1M |
| Q4 25 | $154.1M | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | $187.9M | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $755.3M | $-17.3M | ||
| Q3 25 | $775.6M | $-25.7M | ||
| Q2 25 | $786.7M | $-29.0M | ||
| Q1 25 | $807.7M | $-29.7M | ||
| Q4 24 | $822.6M | $-35.6M | ||
| Q3 24 | $825.7M | $-42.8M | ||
| Q2 24 | $836.8M | $-44.6M | ||
| Q1 24 | $848.8M | $-48.5M |
| Q4 25 | $1.2B | $403.2M | ||
| Q3 25 | $1.3B | $407.1M | ||
| Q2 25 | $1.3B | $399.8M | ||
| Q1 25 | $1.3B | $351.9M | ||
| Q4 24 | $1.3B | $349.7M | ||
| Q3 24 | $1.4B | $342.3M | ||
| Q2 24 | $1.4B | $321.4M | ||
| Q1 24 | $1.5B | $319.8M |
| Q4 25 | 0.20× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.23× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $14.9M | $39.6M |
| Free Cash FlowOCF − Capex | $-44.2M | $35.2M |
| FCF MarginFCF / Revenue | -24.6% | 23.0% |
| Capex IntensityCapex / Revenue | 33.0% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.9M | $39.6M | ||
| Q3 25 | $27.5M | $10.0M | ||
| Q2 25 | $21.0M | $4.3M | ||
| Q1 25 | $25.8M | $5.6M | ||
| Q4 24 | $37.8M | $26.7M | ||
| Q3 24 | $35.6M | $12.5M | ||
| Q2 24 | $40.0M | $-4.8M | ||
| Q1 24 | $31.0M | $8.9M |
| Q4 25 | $-44.2M | $35.2M | ||
| Q3 25 | $-12.2M | $5.3M | ||
| Q2 25 | $-12.8M | $533.0K | ||
| Q1 25 | $2.3M | $292.0K | ||
| Q4 24 | $-45.5M | $21.6M | ||
| Q3 24 | $24.6M | $11.1M | ||
| Q2 24 | $29.4M | $-6.0M | ||
| Q1 24 | $26.3M | $7.4M |
| Q4 25 | -24.6% | 23.0% | ||
| Q3 25 | -6.2% | 3.8% | ||
| Q2 25 | -6.1% | 0.4% | ||
| Q1 25 | 1.0% | 0.2% | ||
| Q4 24 | -18.8% | 17.3% | ||
| Q3 24 | 9.5% | 8.9% | ||
| Q2 24 | 10.7% | -5.0% | ||
| Q1 24 | 9.7% | 6.6% |
| Q4 25 | 33.0% | 2.9% | ||
| Q3 25 | 20.2% | 3.4% | ||
| Q2 25 | 16.1% | 2.9% | ||
| Q1 25 | 10.7% | 4.3% | ||
| Q4 24 | 34.3% | 4.0% | ||
| Q3 24 | 4.2% | 1.2% | ||
| Q2 24 | 3.8% | 1.0% | ||
| Q1 24 | 1.7% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | — | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | — | 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
HTLD
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
