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Side-by-side financial comparison of Massimo Group (MAMO) 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 $21.0M, roughly 1.5× Massimo Group). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 9.5%, a 26.8% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 15.7%). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -16.5%).
Massimo Dutti, S.A. is a Spanish premium clothing retailer specializing in cashmere and wool products, established in 1985 and owned by Spanish multinational company Inditex, the parent company of Zara, Pull&Bear, and other brands.
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.
MAMO vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.0M | $31.4M |
| Net Profit | $2.0M | $10.1M |
| Gross Margin | 41.5% | — |
| Operating Margin | 13.1% | 43.6% |
| Net Margin | 9.5% | 36.3% |
| Revenue YoY | 15.7% | 37.6% |
| Net Profit YoY | 215.0% | 245.6% |
| EPS (diluted) | $0.05 | $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 | $21.0M | $31.4M | ||
| Q3 25 | $17.0M | $26.7M | ||
| Q2 25 | $18.9M | $26.5M | ||
| Q1 25 | $14.9M | $24.6M | ||
| Q4 24 | $18.2M | $22.8M | ||
| Q3 24 | $25.6M | $20.2M | ||
| Q2 24 | $35.4M | $20.2M | ||
| Q1 24 | $30.2M | $20.5M |
| Q4 25 | $2.0M | $10.1M | ||
| Q3 25 | $1.5M | $6.5M | ||
| Q2 25 | $77.7K | $6.1M | ||
| Q1 25 | $-2.1M | $6.0M | ||
| Q4 24 | $-1.7M | $2.9M | ||
| Q3 24 | $-2.5M | $2.4M | ||
| Q2 24 | $2.8M | $3.2M | ||
| Q1 24 | $3.2M | $2.4M |
| Q4 25 | 41.5% | — | ||
| Q3 25 | 42.0% | — | ||
| Q2 25 | 36.3% | — | ||
| Q1 25 | 28.4% | — | ||
| Q4 24 | 19.6% | — | ||
| Q3 24 | 27.2% | — | ||
| Q2 24 | 32.5% | — | ||
| Q1 24 | 34.7% | — |
| Q4 25 | 13.1% | 43.6% | ||
| Q3 25 | 10.5% | 32.8% | ||
| Q2 25 | 0.8% | 30.2% | ||
| Q1 25 | -18.2% | 32.5% | ||
| Q4 24 | -15.4% | 19.6% | ||
| Q3 24 | 1.2% | 15.2% | ||
| Q2 24 | 10.1% | 21.8% | ||
| Q1 24 | 13.2% | 18.3% |
| Q4 25 | 9.5% | 36.3% | ||
| Q3 25 | 9.0% | 24.3% | ||
| Q2 25 | 0.4% | 23.0% | ||
| Q1 25 | -14.0% | 24.2% | ||
| Q4 24 | -9.5% | 14.1% | ||
| Q3 24 | -9.8% | 12.1% | ||
| Q2 24 | 8.0% | 15.8% | ||
| Q1 24 | 10.6% | 11.8% |
| Q4 25 | $0.05 | $0.43 | ||
| Q3 25 | $0.04 | $0.27 | ||
| Q2 25 | $0.00 | $0.25 | ||
| Q1 25 | $-0.05 | $0.25 | ||
| Q4 24 | $-0.05 | $0.11 | ||
| Q3 24 | $-0.06 | $0.10 | ||
| Q2 24 | $0.07 | $0.14 | ||
| Q1 24 | $0.08 | $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 | $5.8M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $23.7M | $541.5M |
| Total Assets | $51.4M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.8M | $126.2M | ||
| Q3 25 | $2.6M | $146.6M | ||
| Q2 25 | — | $126.6M | ||
| Q1 25 | $3.0M | $129.9M | ||
| Q4 24 | $10.2M | $139.8M | ||
| Q3 24 | — | $155.8M | ||
| Q2 24 | — | $103.2M | ||
| Q1 24 | — | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $23.7M | $541.5M | ||
| Q3 25 | $21.7M | $529.8M | ||
| Q2 25 | $20.2M | $521.1M | ||
| Q1 25 | $19.9M | $513.9M | ||
| Q4 24 | $21.7M | $505.5M | ||
| Q3 24 | $22.5M | $504.6M | ||
| Q2 24 | $24.7M | $497.7M | ||
| Q1 24 | $18.1M | $493.7M |
| Q4 25 | $51.4M | $3.2B | ||
| Q3 25 | $44.4M | $3.2B | ||
| Q2 25 | $45.9M | $3.2B | ||
| Q1 25 | $46.4M | $3.1B | ||
| Q4 24 | $54.9M | $3.0B | ||
| Q3 24 | $57.1M | $3.0B | ||
| Q2 24 | $49.9M | $2.8B | ||
| Q1 24 | $47.3M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | — | 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 | $4.0M | $55.6M |
| Free Cash FlowOCF − Capex | — | $54.6M |
| FCF MarginFCF / Revenue | — | 173.9% |
| Capex IntensityCapex / Revenue | — | 3.1% |
| Cash ConversionOCF / Net Profit | 2.01× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.0M | $55.6M | ||
| Q3 25 | $633.2K | $1.4M | ||
| Q2 25 | $-1.4M | $6.2M | ||
| Q1 25 | $-3.3M | $13.1M | ||
| Q4 24 | $9.1M | $7.2M | ||
| Q3 24 | $4.7M | $-14.6M | ||
| Q2 24 | $-6.5M | $-2.6M | ||
| Q1 24 | $-637.0K | $1.5M |
| Q4 25 | — | $54.6M | ||
| Q3 25 | — | $786.0K | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $12.9M | ||
| Q4 24 | $9.0M | $4.5M | ||
| Q3 24 | $4.6M | $-15.0M | ||
| Q2 24 | $-6.7M | $-2.6M | ||
| Q1 24 | $-741.4K | $-315.0K |
| Q4 25 | — | 173.9% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 22.4% | ||
| Q1 25 | — | 52.6% | ||
| Q4 24 | 49.7% | 19.7% | ||
| Q3 24 | 18.1% | -74.1% | ||
| Q2 24 | -19.0% | -13.0% | ||
| Q1 24 | -2.5% | -1.5% |
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | 0.2% | 11.9% | ||
| Q3 24 | 0.3% | 2.0% | ||
| Q2 24 | 0.7% | 0.3% | ||
| Q1 24 | 0.3% | 8.7% |
| Q4 25 | 2.01× | 5.48× | ||
| Q3 25 | 0.41× | 0.21× | ||
| Q2 25 | -17.92× | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | -2.30× | -0.80× | ||
| Q1 24 | -0.20× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
