vs
Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Quipt Home Medical Corp. (QIPT). Click either name above to swap in a different company.
Quipt Home Medical Corp. is the larger business by last-quarter revenue ($49.0M vs $31.4M, roughly 1.6× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -2.1%, a 38.4% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 32.3%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $6.9M).
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.
Quipt Home Medical Corp is a U.S.-based home medical equipment provider specializing in respiratory care, sleep therapy supplies, and chronic disease management products. It serves patients with long-term health conditions, partners with healthcare providers and insurance payers across operating regions to deliver accessible in-home medical solutions.
PDLB vs QIPT — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $49.0M |
| Net Profit | $10.1M | $-1.1M |
| Gross Margin | — | 53.5% |
| Operating Margin | 43.6% | 2.1% |
| Net Margin | 36.3% | -2.1% |
| Revenue YoY | 37.6% | 32.3% |
| Net Profit YoY | 245.6% | 2.9% |
| EPS (diluted) | $0.43 | $-0.02 |
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 | $31.4M | $49.0M | ||
| Q3 25 | $26.7M | $39.8M | ||
| Q2 25 | $26.5M | $35.1M | ||
| Q1 25 | $24.6M | $33.3M | ||
| Q4 24 | $22.8M | $37.1M | ||
| Q3 24 | $20.2M | — | ||
| Q2 24 | $20.2M | — | ||
| Q1 24 | $20.5M | — |
| Q4 25 | $10.1M | $-1.1M | ||
| Q3 25 | $6.5M | $-3.5M | ||
| Q2 25 | $6.1M | $-3.0M | ||
| Q1 25 | $6.0M | $-3.0M | ||
| Q4 24 | $2.9M | $-1.1M | ||
| Q3 24 | $2.4M | — | ||
| Q2 24 | $3.2M | — | ||
| Q1 24 | $2.4M | — |
| Q4 25 | — | 53.5% | ||
| Q3 25 | — | 48.7% | ||
| Q2 25 | — | 57.6% | ||
| Q1 25 | — | 54.6% | ||
| Q4 24 | — | 52.1% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 43.6% | 2.1% | ||
| Q3 25 | 32.8% | -3.6% | ||
| Q2 25 | 30.2% | -5.2% | ||
| Q1 25 | 32.5% | -3.0% | ||
| Q4 24 | 19.6% | 1.2% | ||
| Q3 24 | 15.2% | — | ||
| Q2 24 | 21.8% | — | ||
| Q1 24 | 18.3% | — |
| Q4 25 | 36.3% | -2.1% | ||
| Q3 25 | 24.3% | -8.9% | ||
| Q2 25 | 23.0% | -8.6% | ||
| Q1 25 | 24.2% | -9.1% | ||
| Q4 24 | 14.1% | -2.9% | ||
| Q3 24 | 12.1% | — | ||
| Q2 24 | 15.8% | — | ||
| Q1 24 | 11.8% | — |
| Q4 25 | $0.43 | $-0.02 | ||
| Q3 25 | $0.27 | $-0.07 | ||
| Q2 25 | $0.25 | $-0.07 | ||
| Q1 25 | $0.25 | $-0.07 | ||
| Q4 24 | $0.11 | $-0.03 | ||
| Q3 24 | $0.10 | — | ||
| Q2 24 | $0.14 | — | ||
| Q1 24 | $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 | $126.2M | $10.5M |
| Total DebtLower is stronger | $596.1M | $84.0M |
| Stockholders' EquityBook value | $541.5M | $113.0M |
| Total Assets | $3.2B | $280.7M |
| Debt / EquityLower = less leverage | 1.10× | 0.74× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $10.5M | ||
| Q3 25 | $146.6M | $12.9M | ||
| Q2 25 | $126.6M | $11.3M | ||
| Q1 25 | $129.9M | $17.1M | ||
| Q4 24 | $139.8M | $15.5M | ||
| Q3 24 | $155.8M | — | ||
| Q2 24 | $103.2M | — | ||
| Q1 24 | $134.7M | — |
| Q4 25 | $596.1M | $84.0M | ||
| Q3 25 | $521.1M | $87.6M | ||
| Q2 25 | $536.1M | $66.0M | ||
| Q1 25 | $521.1M | $71.5M | ||
| Q4 24 | $596.1M | $70.6M | ||
| Q3 24 | $580.4M | — | ||
| Q2 24 | $680.4M | — | ||
| Q1 24 | $680.4M | — |
| Q4 25 | $541.5M | $113.0M | ||
| Q3 25 | $529.8M | $112.1M | ||
| Q2 25 | $521.1M | $102.5M | ||
| Q1 25 | $513.9M | $103.6M | ||
| Q4 24 | $505.5M | $106.3M | ||
| Q3 24 | $504.6M | — | ||
| Q2 24 | $497.7M | — | ||
| Q1 24 | $493.7M | — |
| Q4 25 | $3.2B | $280.7M | ||
| Q3 25 | $3.2B | $283.3M | ||
| Q2 25 | $3.2B | $236.1M | ||
| Q1 25 | $3.1B | $244.6M | ||
| Q4 24 | $3.0B | $242.8M | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.8B | — |
| Q4 25 | 1.10× | 0.74× | ||
| Q3 25 | 0.98× | 0.78× | ||
| Q2 25 | 1.03× | 0.64× | ||
| Q1 25 | 1.01× | 0.69× | ||
| Q4 24 | 1.18× | 0.66× | ||
| 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 | $55.6M | $8.9M |
| Free Cash FlowOCF − Capex | $54.6M | $6.9M |
| FCF MarginFCF / Revenue | 173.9% | 14.0% |
| Capex IntensityCapex / Revenue | 3.1% | 4.2% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $26.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $8.9M | ||
| Q3 25 | $1.4M | $9.8M | ||
| Q2 25 | $6.2M | $9.7M | ||
| Q1 25 | $13.1M | $8.9M | ||
| Q4 24 | $7.2M | $9.3M | ||
| Q3 24 | $-14.6M | — | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $1.5M | — |
| Q4 25 | $54.6M | $6.9M | ||
| Q3 25 | $786.0K | $8.0M | ||
| Q2 25 | $5.9M | $4.4M | ||
| Q1 25 | $12.9M | $7.3M | ||
| Q4 24 | $4.5M | $5.6M | ||
| Q3 24 | $-15.0M | — | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $-315.0K | — |
| Q4 25 | 173.9% | 14.0% | ||
| Q3 25 | 2.9% | 20.0% | ||
| Q2 25 | 22.4% | 12.6% | ||
| Q1 25 | 52.6% | 22.0% | ||
| Q4 24 | 19.7% | 15.2% | ||
| Q3 24 | -74.1% | — | ||
| Q2 24 | -13.0% | — | ||
| Q1 24 | -1.5% | — |
| Q4 25 | 3.1% | 4.2% | ||
| Q3 25 | 2.3% | 4.6% | ||
| Q2 25 | 1.0% | 14.9% | ||
| Q1 25 | 0.6% | 4.8% | ||
| Q4 24 | 11.9% | 9.9% | ||
| Q3 24 | 2.0% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 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.
