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Side-by-side financial comparison of Katapult Holdings, Inc. (KPLT) and UPBOUND GROUP, INC. (UPBD). Click either name above to swap in a different company.
UPBOUND GROUP, INC. is the larger business by last-quarter revenue ($1.2B vs $73.9M, roughly 16.2× Katapult Holdings, Inc.). Katapult Holdings, Inc. runs the higher net margin — 26.8% vs 1.7%, a 25.2% gap on every dollar of revenue. On growth, Katapult Holdings, Inc. posted the faster year-over-year revenue change (17.3% vs 10.9%). UPBOUND GROUP, INC. produced more free cash flow last quarter ($24.0M vs $-12.7M). Over the past eight quarters, Katapult Holdings, Inc.'s revenue compounded faster (6.6% CAGR vs 4.5%).
Katapult Holdings, Inc. is a U.S.-based fintech company that provides accessible point-of-sale lease-to-purchase solutions for consumers with limited or no traditional credit history. It partners with a wide network of e-commerce platforms and brick-and-mortar retail merchants across segments including electronics, furniture and home goods to offer flexible payment plans for customers to obtain needed products.
Upbound Group, Inc. is a leading US provider of flexible lease-to-own solutions for consumer goods. It offers furniture, consumer electronics, home appliances, and accessories, catering to customers seeking accessible payment alternatives to traditional retail financing.
KPLT vs UPBD — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $73.9M | $1.2B |
| Net Profit | $19.8M | $19.7M |
| Gross Margin | 15.6% | 49.0% |
| Operating Margin | -1.4% | 4.8% |
| Net Margin | 26.8% | 1.7% |
| Revenue YoY | 17.3% | 10.9% |
| Net Profit YoY | 307.3% | -36.3% |
| EPS (diluted) | $3.69 | $0.35 |
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 | $73.9M | $1.2B | ||
| Q3 25 | $74.0M | $1.2B | ||
| Q2 25 | $71.9M | $1.2B | ||
| Q1 25 | $71.9M | $1.2B | ||
| Q4 24 | $63.0M | $1.1B | ||
| Q3 24 | $60.3M | $1.1B | ||
| Q2 24 | $58.9M | $1.1B | ||
| Q1 24 | $65.1M | $1.1B |
| Q4 25 | $19.8M | $19.7M | ||
| Q3 25 | $-4.9M | $13.2M | ||
| Q2 25 | $-7.8M | $15.5M | ||
| Q1 25 | $-5.7M | $24.8M | ||
| Q4 24 | $-9.6M | $31.0M | ||
| Q3 24 | $-8.9M | $30.9M | ||
| Q2 24 | $-6.9M | $33.9M | ||
| Q1 24 | $-570.0K | $27.7M |
| Q4 25 | 15.6% | 49.0% | ||
| Q3 25 | 19.7% | 48.3% | ||
| Q2 25 | 15.5% | 49.4% | ||
| Q1 25 | 19.9% | 46.8% | ||
| Q4 24 | 11.8% | 47.1% | ||
| Q3 24 | 19.8% | 47.8% | ||
| Q2 24 | 16.9% | 49.4% | ||
| Q1 24 | 25.3% | 48.3% |
| Q4 25 | -1.4% | 4.8% | ||
| Q3 25 | 3.3% | 4.5% | ||
| Q2 25 | -2.0% | 4.4% | ||
| Q1 25 | -0.7% | 5.3% | ||
| Q4 24 | -7.7% | 7.3% | ||
| Q3 24 | -7.4% | 6.6% | ||
| Q2 24 | -4.5% | 7.5% | ||
| Q1 24 | 5.8% | 5.6% |
| Q4 25 | 26.8% | 1.7% | ||
| Q3 25 | -6.7% | 1.1% | ||
| Q2 25 | -10.9% | 1.3% | ||
| Q1 25 | -7.9% | 2.1% | ||
| Q4 24 | -15.2% | 2.9% | ||
| Q3 24 | -14.7% | 2.9% | ||
| Q2 24 | -11.7% | 3.2% | ||
| Q1 24 | -0.9% | 2.5% |
| Q4 25 | $3.69 | $0.35 | ||
| Q3 25 | $-0.94 | $0.22 | ||
| Q2 25 | $-1.63 | $0.26 | ||
| Q1 25 | $-1.23 | $0.42 | ||
| Q4 24 | $-2.17 | $0.55 | ||
| Q3 24 | $-2.05 | $0.55 | ||
| Q2 24 | $-1.61 | $0.61 | ||
| Q1 24 | $-0.13 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $22.4M | $120.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-38.1M | $695.7M |
| Total Assets | $107.9M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.4M | $120.5M | ||
| Q3 25 | $3.4M | $107.0M | ||
| Q2 25 | $3.7M | $106.8M | ||
| Q1 25 | $6.0M | $107.3M | ||
| Q4 24 | $3.5M | $60.9M | ||
| Q3 24 | $25.9M | $85.1M | ||
| Q2 24 | $33.7M | $82.5M | ||
| Q1 24 | $31.2M | $84.8M |
| Q4 25 | $-38.1M | $695.7M | ||
| Q3 25 | $-58.4M | $687.3M | ||
| Q2 25 | $-54.1M | $685.5M | ||
| Q1 25 | $-51.7M | $679.2M | ||
| Q4 24 | $-46.8M | $629.0M | ||
| Q3 24 | $-40.3M | $611.8M | ||
| Q2 24 | $-32.9M | $596.3M | ||
| Q1 24 | $-27.5M | $578.3M |
| Q4 25 | $107.9M | $3.3B | ||
| Q3 25 | $85.9M | $3.2B | ||
| Q2 25 | $90.6M | $3.1B | ||
| Q1 25 | $88.5M | $3.0B | ||
| Q4 24 | $93.2M | $2.6B | ||
| Q3 24 | $92.0M | $2.6B | ||
| Q2 24 | $106.6M | $2.6B | ||
| Q1 24 | $106.6M | $2.6B |
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 | $-12.7M | $41.6M |
| Free Cash FlowOCF − Capex | $-12.7M | $24.0M |
| FCF MarginFCF / Revenue | -17.2% | 2.0% |
| Capex IntensityCapex / Revenue | 0.0% | 1.5% |
| Cash ConversionOCF / Net Profit | -0.64× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | — | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.7M | $41.6M | ||
| Q3 25 | $4.0M | $118.4M | ||
| Q2 25 | $-6.6M | $7.8M | ||
| Q1 25 | $3.4M | $137.7M | ||
| Q4 24 | $-28.5M | $-61.9M | ||
| Q3 24 | $-5.4M | $106.2M | ||
| Q2 24 | $-628.0K | $15.0M | ||
| Q1 24 | $2.0M | $45.4M |
| Q4 25 | $-12.7M | $24.0M | ||
| Q3 25 | $4.0M | $97.9M | ||
| Q2 25 | — | $-10.4M | ||
| Q1 25 | $3.4M | $127.2M | ||
| Q4 24 | $-28.5M | $-74.0M | ||
| Q3 24 | $-5.4M | $88.3M | ||
| Q2 24 | $-653.0K | $613.0K | ||
| Q1 24 | — | $33.6M |
| Q4 25 | -17.2% | 2.0% | ||
| Q3 25 | 5.4% | 8.4% | ||
| Q2 25 | — | -0.9% | ||
| Q1 25 | 4.7% | 10.8% | ||
| Q4 24 | -45.3% | -6.9% | ||
| Q3 24 | -9.0% | 8.3% | ||
| Q2 24 | -1.1% | 0.1% | ||
| Q1 24 | — | 3.1% |
| Q4 25 | 0.0% | 1.5% | ||
| Q3 25 | 0.0% | 1.8% | ||
| Q2 25 | 0.0% | 1.6% | ||
| Q1 25 | 0.0% | 0.9% | ||
| Q4 24 | 0.0% | 1.1% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.0% | 1.3% | ||
| Q1 24 | 0.0% | 1.1% |
| Q4 25 | -0.64× | 2.11× | ||
| Q3 25 | — | 8.96× | ||
| Q2 25 | — | 0.50× | ||
| Q1 25 | — | 5.56× | ||
| Q4 24 | — | -2.00× | ||
| Q3 24 | — | 3.44× | ||
| Q2 24 | — | 0.44× | ||
| Q1 24 | — | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
