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Side-by-side financial comparison of Owlet, Inc. (OWLT) 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 $26.6M, roughly 1.2× Owlet, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -34.6%, a 70.9% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 29.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 23.7%).
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
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.
OWLT vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.6M | $31.4M |
| Net Profit | $-9.2M | $10.1M |
| Gross Margin | 47.6% | — |
| Operating Margin | -18.4% | 43.6% |
| Net Margin | -34.6% | 36.3% |
| Revenue YoY | 29.6% | 37.6% |
| Net Profit YoY | -1.5% | 245.6% |
| EPS (diluted) | — | $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 | $26.6M | $31.4M | ||
| Q3 25 | $32.0M | $26.7M | ||
| Q2 25 | $26.1M | $26.5M | ||
| Q1 25 | $21.1M | $24.6M | ||
| Q4 24 | $20.5M | $22.8M | ||
| Q3 24 | $22.1M | $20.2M | ||
| Q2 24 | $20.7M | $20.2M | ||
| Q1 24 | $14.8M | $20.5M |
| Q4 25 | $-9.2M | $10.1M | ||
| Q3 25 | $4.1M | $6.5M | ||
| Q2 25 | $-37.6M | $6.1M | ||
| Q1 25 | $3.0M | $6.0M | ||
| Q4 24 | $-9.1M | $2.9M | ||
| Q3 24 | $-5.6M | $2.4M | ||
| Q2 24 | $-1.1M | $3.2M | ||
| Q1 24 | $3.3M | $2.4M |
| Q4 25 | 47.6% | — | ||
| Q3 25 | 50.6% | — | ||
| Q2 25 | 51.3% | — | ||
| Q1 25 | 53.7% | — | ||
| Q4 24 | 53.5% | — | ||
| Q3 24 | 52.2% | — | ||
| Q2 24 | 49.5% | — | ||
| Q1 24 | 44.4% | — |
| Q4 25 | -18.4% | 43.6% | ||
| Q3 25 | 3.8% | 32.8% | ||
| Q2 25 | -7.4% | 30.2% | ||
| Q1 25 | -12.7% | 32.5% | ||
| Q4 24 | -36.2% | 19.6% | ||
| Q3 24 | -21.8% | 15.2% | ||
| Q2 24 | -10.8% | 21.8% | ||
| Q1 24 | -39.0% | 18.3% |
| Q4 25 | -34.6% | 36.3% | ||
| Q3 25 | 12.9% | 24.3% | ||
| Q2 25 | -144.4% | 23.0% | ||
| Q1 25 | 14.3% | 24.2% | ||
| Q4 24 | -44.2% | 14.1% | ||
| Q3 24 | -25.4% | 12.1% | ||
| Q2 24 | -5.5% | 15.8% | ||
| Q1 24 | 22.2% | 11.8% |
| Q4 25 | — | $0.43 | ||
| Q3 25 | $-0.06 | $0.27 | ||
| Q2 25 | $-2.37 | $0.25 | ||
| Q1 25 | $0.11 | $0.25 | ||
| Q4 24 | $-0.15 | $0.11 | ||
| Q3 24 | $-0.61 | $0.10 | ||
| Q2 24 | $-0.30 | $0.14 | ||
| Q1 24 | $-0.51 | $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 | $35.5M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $19.0M | $541.5M |
| Total Assets | $85.6M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $35.5M | $126.2M | ||
| Q3 25 | $23.8M | $146.6M | ||
| Q2 25 | $21.8M | $126.6M | ||
| Q1 25 | $16.3M | $129.9M | ||
| Q4 24 | $20.2M | $139.8M | ||
| Q3 24 | $21.6M | $155.8M | ||
| Q2 24 | $15.4M | $103.2M | ||
| Q1 24 | $18.4M | $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 | $2.1M | $680.4M | ||
| Q1 24 | $4.0M | $680.4M |
| Q4 25 | $19.0M | $541.5M | ||
| Q3 25 | $-54.1M | $529.8M | ||
| Q2 25 | $-59.2M | $521.1M | ||
| Q1 25 | $-25.8M | $513.9M | ||
| Q4 24 | $-29.8M | $505.5M | ||
| Q3 24 | $-21.5M | $504.6M | ||
| Q2 24 | $-33.4M | $497.7M | ||
| Q1 24 | $-32.9M | $493.7M |
| Q4 25 | $85.6M | $3.2B | ||
| Q3 25 | $74.9M | $3.2B | ||
| Q2 25 | $63.5M | $3.2B | ||
| Q1 25 | $51.4M | $3.1B | ||
| Q4 24 | $49.5M | $3.0B | ||
| Q3 24 | $56.1M | $3.0B | ||
| Q2 24 | $45.9M | $2.8B | ||
| Q1 24 | $43.8M | $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 | $-452.0K | $55.6M |
| Free Cash FlowOCF − Capex | $-651.0K | $54.6M |
| FCF MarginFCF / Revenue | -2.5% | 173.9% |
| Capex IntensityCapex / Revenue | 0.7% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $-11.1M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-452.0K | $55.6M | ||
| Q3 25 | $-2.2M | $1.4M | ||
| Q2 25 | $-2.2M | $6.2M | ||
| Q1 25 | $-5.9M | $13.1M | ||
| Q4 24 | $3.0M | $7.2M | ||
| Q3 24 | $-7.5M | $-14.6M | ||
| Q2 24 | $-3.4M | $-2.6M | ||
| Q1 24 | $-3.4M | $1.5M |
| Q4 25 | $-651.0K | $54.6M | ||
| Q3 25 | $-2.2M | $786.0K | ||
| Q2 25 | $-2.3M | $5.9M | ||
| Q1 25 | $-5.9M | $12.9M | ||
| Q4 24 | $3.0M | $4.5M | ||
| Q3 24 | $-7.5M | $-15.0M | ||
| Q2 24 | $-3.4M | $-2.6M | ||
| Q1 24 | — | $-315.0K |
| Q4 25 | -2.5% | 173.9% | ||
| Q3 25 | -6.8% | 2.9% | ||
| Q2 25 | -8.8% | 22.4% | ||
| Q1 25 | -28.1% | 52.6% | ||
| Q4 24 | 14.5% | 19.7% | ||
| Q3 24 | -33.9% | -74.1% | ||
| Q2 24 | -16.3% | -13.0% | ||
| Q1 24 | — | -1.5% |
| Q4 25 | 0.7% | 3.1% | ||
| Q3 25 | 0.0% | 2.3% | ||
| Q2 25 | 0.2% | 1.0% | ||
| Q1 25 | 0.0% | 0.6% | ||
| Q4 24 | 0.2% | 11.9% | ||
| Q3 24 | 0.0% | 2.0% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.0% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | -0.52× | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | -1.96× | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | -1.03× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
PDLB
Segment breakdown not available.
