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Side-by-side financial comparison of ON24 INC. (ONTF) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
ON24 INC. is the larger business by last-quarter revenue ($34.6M vs $31.4M, roughly 1.1× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -18.8%, a 55.0% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -5.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-2.2M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -4.2%).
ON24 Inc., a San Francisco-based company, is a cloud-based platform that develops and sells web-based webinar, virtual conferencing, content hub, and landing page applications as a service for marketing and sales teams in B2B organizations. In 2023 it expanded its offerings to include generative AI services.
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.
ONTF vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.6M | $31.4M |
| Net Profit | $-6.5M | $10.1M |
| Gross Margin | 74.9% | — |
| Operating Margin | -23.5% | 43.6% |
| Net Margin | -18.8% | 36.3% |
| Revenue YoY | -5.6% | 37.6% |
| Net Profit YoY | 26.8% | 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 | $34.6M | $31.4M | ||
| Q3 25 | $34.6M | $26.7M | ||
| Q2 25 | $35.3M | $26.5M | ||
| Q1 25 | $34.7M | $24.6M | ||
| Q4 24 | $36.7M | $22.8M | ||
| Q3 24 | $36.3M | $20.2M | ||
| Q2 24 | $37.3M | $20.2M | ||
| Q1 24 | $37.7M | $20.5M |
| Q4 25 | $-6.5M | $10.1M | ||
| Q3 25 | $-6.4M | $6.5M | ||
| Q2 25 | $-7.3M | $6.1M | ||
| Q1 25 | $-8.7M | $6.0M | ||
| Q4 24 | $-8.9M | $2.9M | ||
| Q3 24 | $-11.4M | $2.4M | ||
| Q2 24 | $-11.2M | $3.2M | ||
| Q1 24 | $-10.7M | $2.4M |
| Q4 25 | 74.9% | — | ||
| Q3 25 | 74.7% | — | ||
| Q2 25 | 75.1% | — | ||
| Q1 25 | 73.8% | — | ||
| Q4 24 | 74.5% | — | ||
| Q3 24 | 74.3% | — | ||
| Q2 24 | 74.5% | — | ||
| Q1 24 | 74.1% | — |
| Q4 25 | -23.5% | 43.6% | ||
| Q3 25 | -23.1% | 32.8% | ||
| Q2 25 | -26.0% | 30.2% | ||
| Q1 25 | -30.1% | 32.5% | ||
| Q4 24 | -32.1% | 19.6% | ||
| Q3 24 | -36.7% | 15.2% | ||
| Q2 24 | -35.0% | 21.8% | ||
| Q1 24 | -33.1% | 18.3% |
| Q4 25 | -18.8% | 36.3% | ||
| Q3 25 | -18.4% | 24.3% | ||
| Q2 25 | -20.6% | 23.0% | ||
| Q1 25 | -25.1% | 24.2% | ||
| Q4 24 | -24.2% | 14.1% | ||
| Q3 24 | -31.4% | 12.1% | ||
| Q2 24 | -29.9% | 15.8% | ||
| Q1 24 | -28.4% | 11.8% |
| Q4 25 | $-0.15 | $0.43 | ||
| Q3 25 | $-0.15 | $0.27 | ||
| Q2 25 | $-0.17 | $0.25 | ||
| Q1 25 | $-0.21 | $0.25 | ||
| Q4 24 | $-0.21 | $0.11 | ||
| Q3 24 | $-0.27 | $0.10 | ||
| Q2 24 | $-0.27 | $0.14 | ||
| Q1 24 | $-0.26 | $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 | $37.0M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $139.4M | $541.5M |
| Total Assets | $228.4M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.0M | $126.2M | ||
| Q3 25 | $47.2M | $146.6M | ||
| Q2 25 | $37.7M | $126.6M | ||
| Q1 25 | $26.8M | $129.9M | ||
| Q4 24 | $14.9M | $139.8M | ||
| Q3 24 | $11.0M | $155.8M | ||
| Q2 24 | $15.5M | $103.2M | ||
| Q1 24 | $18.3M | $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 | $139.4M | $541.5M | ||
| Q3 25 | $144.3M | $529.8M | ||
| Q2 25 | $150.0M | $521.1M | ||
| Q1 25 | $153.7M | $513.9M | ||
| Q4 24 | $159.4M | $505.5M | ||
| Q3 24 | $164.9M | $504.6M | ||
| Q2 24 | $170.8M | $497.7M | ||
| Q1 24 | $174.4M | $493.7M |
| Q4 25 | $228.4M | $3.2B | ||
| Q3 25 | $224.8M | $3.2B | ||
| Q2 25 | $235.1M | $3.2B | ||
| Q1 25 | $245.8M | $3.1B | ||
| Q4 24 | $251.0M | $3.0B | ||
| Q3 24 | $250.9M | $3.0B | ||
| Q2 24 | $259.0M | $2.8B | ||
| Q1 24 | $269.2M | $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 | $-1.1M | $55.6M |
| Free Cash FlowOCF − Capex | $-2.2M | $54.6M |
| FCF MarginFCF / Revenue | -6.4% | 173.9% |
| Capex IntensityCapex / Revenue | 3.3% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $4.0M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.1M | $55.6M | ||
| Q3 25 | $2.5M | $1.4M | ||
| Q2 25 | $2.6M | $6.2M | ||
| Q1 25 | $3.4M | $13.1M | ||
| Q4 24 | $985.0K | $7.2M | ||
| Q3 24 | $295.0K | $-14.6M | ||
| Q2 24 | $1.4M | $-2.6M | ||
| Q1 24 | $2.1M | $1.5M |
| Q4 25 | $-2.2M | $54.6M | ||
| Q3 25 | $2.2M | $786.0K | ||
| Q2 25 | $2.1M | $5.9M | ||
| Q1 25 | $1.9M | $12.9M | ||
| Q4 24 | $424.0K | $4.5M | ||
| Q3 24 | $143.0K | $-15.0M | ||
| Q2 24 | $898.0K | $-2.6M | ||
| Q1 24 | $1.1M | $-315.0K |
| Q4 25 | -6.4% | 173.9% | ||
| Q3 25 | 6.2% | 2.9% | ||
| Q2 25 | 5.9% | 22.4% | ||
| Q1 25 | 5.6% | 52.6% | ||
| Q4 24 | 1.2% | 19.7% | ||
| Q3 24 | 0.4% | -74.1% | ||
| Q2 24 | 2.4% | -13.0% | ||
| Q1 24 | 2.9% | -1.5% |
| Q4 25 | 3.3% | 3.1% | ||
| Q3 25 | 1.1% | 2.3% | ||
| Q2 25 | 1.4% | 1.0% | ||
| Q1 25 | 4.2% | 0.6% | ||
| Q4 24 | 1.5% | 11.9% | ||
| Q3 24 | 0.4% | 2.0% | ||
| Q2 24 | 1.3% | 0.3% | ||
| Q1 24 | 2.8% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
