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Side-by-side financial comparison of NETSOL TECHNOLOGIES INC (NTWK) 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 $18.8M, roughly 1.7× NETSOL TECHNOLOGIES INC). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 1.3%, a 35.0% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 21.1%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-5.1M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 10.3%).
NetSol Technologies Inc. is an American software company which makes automobile leasing software. It is based in Encino, California.
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.
NTWK vs PDLB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.8M | $31.4M |
| Net Profit | $246.8K | $10.1M |
| Gross Margin | 48.0% | — |
| Operating Margin | 6.9% | 43.6% |
| Net Margin | 1.3% | 36.3% |
| Revenue YoY | 21.1% | 37.6% |
| Net Profit YoY | 121.5% | 245.6% |
| EPS (diluted) | $0.02 | $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 | $18.8M | $31.4M | ||
| Q3 25 | $15.0M | $26.7M | ||
| Q2 25 | $18.4M | $26.5M | ||
| Q1 25 | $17.5M | $24.6M | ||
| Q4 24 | $15.5M | $22.8M | ||
| Q3 24 | $14.6M | $20.2M | ||
| Q2 24 | $16.4M | $20.2M | ||
| Q1 24 | $15.5M | $20.5M |
| Q4 25 | $246.8K | $10.1M | ||
| Q3 25 | $-2.4M | $6.5M | ||
| Q2 25 | $2.6M | $6.1M | ||
| Q1 25 | $1.4M | $6.0M | ||
| Q4 24 | $-1.1M | $2.9M | ||
| Q3 24 | $70.8K | $2.4M | ||
| Q2 24 | $-82.9K | $3.2M | ||
| Q1 24 | $327.5K | $2.4M |
| Q4 25 | 48.0% | — | ||
| Q3 25 | 39.4% | — | ||
| Q2 25 | 56.2% | — | ||
| Q1 25 | 49.8% | — | ||
| Q4 24 | 44.5% | — | ||
| Q3 24 | 45.0% | — | ||
| Q2 24 | 51.5% | — | ||
| Q1 24 | 48.3% | — |
| Q4 25 | 6.9% | 43.6% | ||
| Q3 25 | -12.2% | 32.8% | ||
| Q2 25 | 17.4% | 30.2% | ||
| Q1 25 | 8.9% | 32.5% | ||
| Q4 24 | -3.1% | 19.6% | ||
| Q3 24 | -5.2% | 15.2% | ||
| Q2 24 | 4.9% | 21.8% | ||
| Q1 24 | 8.5% | 18.3% |
| Q4 25 | 1.3% | 36.3% | ||
| Q3 25 | -15.7% | 24.3% | ||
| Q2 25 | 14.0% | 23.0% | ||
| Q1 25 | 8.1% | 24.2% | ||
| Q4 24 | -7.4% | 14.1% | ||
| Q3 24 | 0.5% | 12.1% | ||
| Q2 24 | -0.5% | 15.8% | ||
| Q1 24 | 2.1% | 11.8% |
| Q4 25 | $0.02 | $0.43 | ||
| Q3 25 | $-0.20 | $0.27 | ||
| Q2 25 | $0.22 | $0.25 | ||
| Q1 25 | $0.12 | $0.25 | ||
| Q4 24 | $-0.10 | $0.11 | ||
| Q3 24 | $0.01 | $0.10 | ||
| Q2 24 | $-0.01 | $0.14 | ||
| Q1 24 | $0.03 | $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 | $18.1M | $126.2M |
| Total DebtLower is stronger | $337.0K | $596.1M |
| Stockholders' EquityBook value | $35.9M | $541.5M |
| Total Assets | $62.7M | $3.2B |
| Debt / EquityLower = less leverage | 0.01× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.1M | $126.2M | ||
| Q3 25 | $22.7M | $146.6M | ||
| Q2 25 | $17.4M | $126.6M | ||
| Q1 25 | $18.8M | $129.9M | ||
| Q4 24 | $21.3M | $139.8M | ||
| Q3 24 | $24.5M | $155.8M | ||
| Q2 24 | $19.1M | $103.2M | ||
| Q1 24 | $12.3M | $134.7M |
| Q4 25 | $337.0K | $596.1M | ||
| Q3 25 | $218.2K | $521.1M | ||
| Q2 25 | $134.6K | $536.1M | ||
| Q1 25 | $86.8K | $521.1M | ||
| Q4 24 | $87.0K | $596.1M | ||
| Q3 24 | $92.6K | $580.4M | ||
| Q2 24 | $95.8K | $680.4M | ||
| Q1 24 | $130.4K | $680.4M |
| Q4 25 | $35.9M | $541.5M | ||
| Q3 25 | $35.8M | $529.8M | ||
| Q2 25 | $37.8M | $521.1M | ||
| Q1 25 | $35.5M | $513.9M | ||
| Q4 24 | $33.9M | $505.5M | ||
| Q3 24 | $34.7M | $504.6M | ||
| Q2 24 | $34.8M | $497.7M | ||
| Q1 24 | $35.3M | $493.7M |
| Q4 25 | $62.7M | $3.2B | ||
| Q3 25 | $62.6M | $3.2B | ||
| Q2 25 | $62.4M | $3.2B | ||
| Q1 25 | $58.1M | $3.1B | ||
| Q4 24 | $59.1M | $3.0B | ||
| Q3 24 | $62.8M | $3.0B | ||
| Q2 24 | $64.2M | $2.8B | ||
| Q1 24 | $63.3M | $2.8B |
| Q4 25 | 0.01× | 1.10× | ||
| Q3 25 | 0.01× | 0.98× | ||
| Q2 25 | 0.00× | 1.03× | ||
| Q1 25 | 0.00× | 1.01× | ||
| Q4 24 | 0.00× | 1.18× | ||
| Q3 24 | 0.00× | 1.15× | ||
| Q2 24 | 0.00× | 1.37× | ||
| Q1 24 | 0.00× | 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 | $-4.7M | $55.6M |
| Free Cash FlowOCF − Capex | $-5.1M | $54.6M |
| FCF MarginFCF / Revenue | -27.2% | 173.9% |
| Capex IntensityCapex / Revenue | 2.0% | 3.1% |
| Cash ConversionOCF / Net Profit | -19.24× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $-1.0M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-4.7M | $55.6M | ||
| Q3 25 | $5.3M | $1.4M | ||
| Q2 25 | $441.0K | $6.2M | ||
| Q1 25 | $-363.4K | $13.1M | ||
| Q4 24 | $-5.1M | $7.2M | ||
| Q3 24 | $5.5M | $-14.6M | ||
| Q2 24 | $6.5M | $-2.6M | ||
| Q1 24 | $-4.2M | $1.5M |
| Q4 25 | $-5.1M | $54.6M | ||
| Q3 25 | $4.8M | $786.0K | ||
| Q2 25 | $-44.1K | $5.9M | ||
| Q1 25 | $-693.0K | $12.9M | ||
| Q4 24 | $-5.6M | $4.5M | ||
| Q3 24 | $5.4M | $-15.0M | ||
| Q2 24 | $6.1M | $-2.6M | ||
| Q1 24 | $-4.6M | $-315.0K |
| Q4 25 | -27.2% | 173.9% | ||
| Q3 25 | 32.1% | 2.9% | ||
| Q2 25 | -0.2% | 22.4% | ||
| Q1 25 | -4.0% | 52.6% | ||
| Q4 24 | -36.1% | 19.7% | ||
| Q3 24 | 37.1% | -74.1% | ||
| Q2 24 | 37.0% | -13.0% | ||
| Q1 24 | -29.6% | -1.5% |
| Q4 25 | 2.0% | 3.1% | ||
| Q3 25 | 3.2% | 2.3% | ||
| Q2 25 | 2.6% | 1.0% | ||
| Q1 25 | 1.9% | 0.6% | ||
| Q4 24 | 3.0% | 11.9% | ||
| Q3 24 | 0.7% | 2.0% | ||
| Q2 24 | 2.6% | 0.3% | ||
| Q1 24 | 2.4% | 8.7% |
| Q4 25 | -19.24× | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | 0.17× | 1.01× | ||
| Q1 25 | -0.26× | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | 77.94× | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | -12.84× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NTWK
| Core Revenue | $18.0M | 96% |
| Other | $816.8K | 4% |
PDLB
Segment breakdown not available.
