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Side-by-side financial comparison of Legacy Education Inc. (LGCY) 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 $19.2M, roughly 1.6× Legacy Education Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 10.6%, a 25.6% gap on every dollar of revenue. On growth, Legacy Education Inc. posted the faster year-over-year revenue change (40.7% vs 37.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $512.7K).
Legacy Education Inc. is a professional educational service provider focused on financial literacy, real estate investment, entrepreneurship, and personal wealth management training programs. It mainly serves individual learners across North America, Europe and select Asia-Pacific markets, offering both in-person workshops and online digital courses to help users build practical financial and business skills.
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.
LGCY vs PDLB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $19.2M | $31.4M |
| Net Profit | $2.0M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | 13.3% | 43.6% |
| Net Margin | 10.6% | 36.3% |
| Revenue YoY | 40.7% | 37.6% |
| Net Profit YoY | 46.0% | 245.6% |
| EPS (diluted) | $0.15 | $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 | $19.2M | $31.4M | ||
| Q3 25 | $19.4M | $26.7M | ||
| Q2 25 | $18.0M | $26.5M | ||
| Q1 25 | $18.6M | $24.6M | ||
| Q4 24 | $13.6M | $22.8M | ||
| Q3 24 | $14.0M | $20.2M | ||
| Q2 24 | — | $20.2M | ||
| Q1 24 | — | $20.5M |
| Q4 25 | $2.0M | $10.1M | ||
| Q3 25 | $2.2M | $6.5M | ||
| Q2 25 | $1.2M | $6.1M | ||
| Q1 25 | $2.8M | $6.0M | ||
| Q4 24 | $1.4M | $2.9M | ||
| Q3 24 | $2.1M | $2.4M | ||
| Q2 24 | — | $3.2M | ||
| Q1 24 | — | $2.4M |
| Q4 25 | 13.3% | 43.6% | ||
| Q3 25 | 13.9% | 32.8% | ||
| Q2 25 | 11.1% | 30.2% | ||
| Q1 25 | 19.7% | 32.5% | ||
| Q4 24 | 12.2% | 19.6% | ||
| Q3 24 | 19.1% | 15.2% | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | 18.3% |
| Q4 25 | 10.6% | 36.3% | ||
| Q3 25 | 11.3% | 24.3% | ||
| Q2 25 | 6.8% | 23.0% | ||
| Q1 25 | 15.2% | 24.2% | ||
| Q4 24 | 10.3% | 14.1% | ||
| Q3 24 | 14.9% | 12.1% | ||
| Q2 24 | — | 15.8% | ||
| Q1 24 | — | 11.8% |
| Q4 25 | $0.15 | $0.43 | ||
| Q3 25 | $0.16 | $0.27 | ||
| Q2 25 | $0.07 | $0.25 | ||
| Q1 25 | $0.21 | $0.25 | ||
| Q4 24 | $0.10 | $0.11 | ||
| Q3 24 | $0.21 | $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 | $21.1M | $126.2M |
| Total DebtLower is stronger | $660.3K | $596.1M |
| Stockholders' EquityBook value | $46.1M | $541.5M |
| Total Assets | $73.1M | $3.2B |
| Debt / EquityLower = less leverage | 0.01× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.1M | $126.2M | ||
| Q3 25 | $20.6M | $146.6M | ||
| Q2 25 | $20.3M | $126.6M | ||
| Q1 25 | $17.3M | $129.9M | ||
| Q4 24 | $16.9M | $139.8M | ||
| Q3 24 | $21.5M | $155.8M | ||
| Q2 24 | — | $103.2M | ||
| Q1 24 | — | $134.7M |
| Q4 25 | $660.3K | $596.1M | ||
| Q3 25 | $776.9K | $521.1M | ||
| Q2 25 | $1.4M | $536.1M | ||
| Q1 25 | $1.0M | $521.1M | ||
| Q4 24 | $1.1M | $596.1M | ||
| Q3 24 | $758.2K | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $46.1M | $541.5M | ||
| Q3 25 | $43.7M | $529.8M | ||
| Q2 25 | $41.0M | $521.1M | ||
| Q1 25 | $39.3M | $513.9M | ||
| Q4 24 | $36.4M | $505.5M | ||
| Q3 24 | $32.6M | $504.6M | ||
| Q2 24 | — | $497.7M | ||
| Q1 24 | — | $493.7M |
| Q4 25 | $73.1M | $3.2B | ||
| Q3 25 | $72.1M | $3.2B | ||
| Q2 25 | $69.2M | $3.2B | ||
| Q1 25 | $67.1M | $3.1B | ||
| Q4 24 | $62.1M | $3.0B | ||
| Q3 24 | $50.6M | $3.0B | ||
| Q2 24 | — | $2.8B | ||
| Q1 24 | — | $2.8B |
| Q4 25 | 0.01× | 1.10× | ||
| Q3 25 | 0.02× | 0.98× | ||
| Q2 25 | 0.03× | 1.03× | ||
| Q1 25 | 0.03× | 1.01× | ||
| Q4 24 | 0.03× | 1.18× | ||
| Q3 24 | 0.02× | 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 | $1.1M | $55.6M |
| Free Cash FlowOCF − Capex | $512.7K | $54.6M |
| FCF MarginFCF / Revenue | 2.7% | 173.9% |
| Capex IntensityCapex / Revenue | 2.8% | 3.1% |
| Cash ConversionOCF / Net Profit | 0.52× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $4.8M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1M | $55.6M | ||
| Q3 25 | $1.1M | $1.4M | ||
| Q2 25 | $3.0M | $6.2M | ||
| Q1 25 | $918.7K | $13.1M | ||
| Q4 24 | $659.0K | $7.2M | ||
| Q3 24 | $3.2M | $-14.6M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $1.5M |
| Q4 25 | $512.7K | $54.6M | ||
| Q3 25 | $809.7K | $786.0K | ||
| Q2 25 | $2.9M | $5.9M | ||
| Q1 25 | $596.6K | $12.9M | ||
| Q4 24 | $466.8K | $4.5M | ||
| Q3 24 | $2.9M | $-15.0M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $-315.0K |
| Q4 25 | 2.7% | 173.9% | ||
| Q3 25 | 4.2% | 2.9% | ||
| Q2 25 | 16.2% | 22.4% | ||
| Q1 25 | 3.2% | 52.6% | ||
| Q4 24 | 3.4% | 19.7% | ||
| Q3 24 | 21.1% | -74.1% | ||
| Q2 24 | — | -13.0% | ||
| Q1 24 | — | -1.5% |
| Q4 25 | 2.8% | 3.1% | ||
| Q3 25 | 1.3% | 2.3% | ||
| Q2 25 | 0.5% | 1.0% | ||
| Q1 25 | 1.7% | 0.6% | ||
| Q4 24 | 1.4% | 11.9% | ||
| Q3 24 | 1.7% | 2.0% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 8.7% |
| Q4 25 | 0.52× | 5.48× | ||
| Q3 25 | 0.48× | 0.21× | ||
| Q2 25 | 2.45× | 1.01× | ||
| Q1 25 | 0.33× | 2.20× | ||
| Q4 24 | 0.47× | 2.46× | ||
| Q3 24 | 1.52× | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
