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Side-by-side financial comparison of Lovesac Co (LOVE) 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 $150.2M, roughly 1.0× Lovesac Co). CPI Card Group Inc. runs the higher net margin — 4.8% vs -7.0%, a 11.8% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 0.2%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-10.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs -22.6%).
The Lovesac Company is an American furniture retailer, specializing in a patented modular furniture system called Sactionals. Sactionals consist of two combinable pieces, “Seats” and “Sides,” as well as custom-fit covers and associated accessories. Lovesac also sells Sacs, a bag seat filled with a proprietary foam mixture.
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.
LOVE vs PMTS — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.2M | $153.1M |
| Net Profit | $-10.6M | $7.3M |
| Gross Margin | 56.1% | 31.5% |
| Operating Margin | -10.5% | 12.0% |
| Net Margin | -7.0% | 4.8% |
| Revenue YoY | 0.2% | 22.3% |
| Net Profit YoY | -114.0% | 8.5% |
| EPS (diluted) | $-0.72 | $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 | $150.2M | $153.1M | ||
| Q3 25 | $160.5M | $138.0M | ||
| Q2 25 | $138.4M | $129.8M | ||
| Q1 25 | $241.5M | $122.8M | ||
| Q4 24 | $149.9M | $125.1M | ||
| Q3 24 | $156.6M | $124.8M | ||
| Q2 24 | $132.6M | $118.8M | ||
| Q1 24 | $250.5M | $111.9M |
| Q4 25 | $-10.6M | $7.3M | ||
| Q3 25 | $-6.7M | $2.3M | ||
| Q2 25 | $-10.8M | $518.0K | ||
| Q1 25 | $35.3M | $4.8M | ||
| Q4 24 | $-4.9M | $6.8M | ||
| Q3 24 | $-5.9M | $1.3M | ||
| Q2 24 | $-13.0M | $6.0M | ||
| Q1 24 | $31.0M | $5.5M |
| Q4 25 | 56.1% | 31.5% | ||
| Q3 25 | 56.4% | 29.7% | ||
| Q2 25 | 53.7% | 30.9% | ||
| Q1 25 | 60.4% | 33.2% | ||
| Q4 24 | 58.5% | 34.1% | ||
| Q3 24 | 59.0% | 35.8% | ||
| Q2 24 | 54.3% | 35.7% | ||
| Q1 24 | 59.7% | 37.1% |
| Q4 25 | -10.5% | 12.0% | ||
| Q3 25 | -5.5% | 9.4% | ||
| Q2 25 | -10.8% | 7.3% | ||
| Q1 25 | 19.7% | 11.5% | ||
| Q4 24 | -5.2% | 12.7% | ||
| Q3 24 | -5.3% | 14.3% | ||
| Q2 24 | -13.5% | 12.5% | ||
| Q1 24 | 16.1% | 12.6% |
| Q4 25 | -7.0% | 4.8% | ||
| Q3 25 | -4.1% | 1.7% | ||
| Q2 25 | -7.8% | 0.4% | ||
| Q1 25 | 14.6% | 3.9% | ||
| Q4 24 | -3.3% | 5.4% | ||
| Q3 24 | -3.7% | 1.0% | ||
| Q2 24 | -9.8% | 5.1% | ||
| Q1 24 | 12.4% | 4.9% |
| Q4 25 | $-0.72 | $0.62 | ||
| Q3 25 | $-0.45 | $0.19 | ||
| Q2 25 | $-0.73 | $0.04 | ||
| Q1 25 | $2.22 | $0.40 | ||
| Q4 24 | $-0.32 | $0.56 | ||
| Q3 24 | $-0.38 | $0.11 | ||
| Q2 24 | $-0.83 | $0.51 | ||
| Q1 24 | $1.91 | $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 | $23.7M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $189.3M | $-17.3M |
| Total Assets | $495.5M | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.7M | $21.7M | ||
| Q3 25 | $34.2M | $16.0M | ||
| Q2 25 | $26.9M | $17.1M | ||
| Q1 25 | $83.7M | $31.5M | ||
| Q4 24 | $61.7M | $33.5M | ||
| Q3 24 | $72.1M | $14.7M | ||
| Q2 24 | $72.4M | $7.5M | ||
| Q1 24 | $87.0M | $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 | $189.3M | $-17.3M | ||
| Q3 25 | $197.5M | $-25.7M | ||
| Q2 25 | $201.2M | $-29.0M | ||
| Q1 25 | $216.4M | $-29.7M | ||
| Q4 24 | $196.5M | $-35.6M | ||
| Q3 24 | $202.1M | $-42.8M | ||
| Q2 24 | $205.3M | $-44.6M | ||
| Q1 24 | $217.5M | $-48.5M |
| Q4 25 | $495.5M | $403.2M | ||
| Q3 25 | $493.7M | $407.1M | ||
| Q2 25 | $483.7M | $399.8M | ||
| Q1 25 | $532.3M | $351.9M | ||
| Q4 24 | $499.7M | $349.7M | ||
| Q3 24 | $481.1M | $342.3M | ||
| Q2 24 | $477.2M | $321.4M | ||
| Q1 24 | $482.2M | $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 | $-4.9M | $39.6M |
| Free Cash FlowOCF − Capex | $-10.2M | $35.2M |
| FCF MarginFCF / Revenue | -6.8% | 23.0% |
| Capex IntensityCapex / Revenue | 3.5% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $-13.6M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-4.9M | $39.6M | ||
| Q3 25 | $12.2M | $10.0M | ||
| Q2 25 | $-41.4M | $4.3M | ||
| Q1 25 | $44.0M | $5.6M | ||
| Q4 24 | $-4.2M | $26.7M | ||
| Q3 24 | $6.2M | $12.5M | ||
| Q2 24 | $-7.0M | $-4.8M | ||
| Q1 24 | $56.3M | $8.9M |
| Q4 25 | $-10.2M | $35.2M | ||
| Q3 25 | $7.8M | $5.3M | ||
| Q2 25 | $-50.0M | $533.0K | ||
| Q1 25 | $38.7M | $292.0K | ||
| Q4 24 | $-6.6M | $21.6M | ||
| Q3 24 | $119.0K | $11.1M | ||
| Q2 24 | $-14.3M | $-6.0M | ||
| Q1 24 | $49.5M | $7.4M |
| Q4 25 | -6.8% | 23.0% | ||
| Q3 25 | 4.9% | 3.8% | ||
| Q2 25 | -36.1% | 0.4% | ||
| Q1 25 | 16.0% | 0.2% | ||
| Q4 24 | -4.4% | 17.3% | ||
| Q3 24 | 0.1% | 8.9% | ||
| Q2 24 | -10.8% | -5.0% | ||
| Q1 24 | 19.8% | 6.6% |
| Q4 25 | 3.5% | 2.9% | ||
| Q3 25 | 2.7% | 3.4% | ||
| Q2 25 | 6.2% | 2.9% | ||
| Q1 25 | 2.2% | 4.3% | ||
| Q4 24 | 1.6% | 4.0% | ||
| Q3 24 | 3.9% | 1.2% | ||
| Q2 24 | 5.5% | 1.0% | ||
| Q1 24 | 2.7% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | — | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | 1.25× | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | — | 9.70× | ||
| Q2 24 | — | -0.79× | ||
| Q1 24 | 1.82× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOVE
| Showrooms | $102.7M | 68% |
| Internet | $37.3M | 25% |
| Other | $10.2M | 7% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
