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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and REGIS CORP (RGS). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $31.4M, roughly 1.8× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 0.8%, a 35.5% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 22.3%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $891.0K). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 7.8%).
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.
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
PDLB vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $57.1M |
| Net Profit | $10.1M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 43.6% | 10.8% |
| Net Margin | 36.3% | 0.8% |
| Revenue YoY | 37.6% | 22.3% |
| Net Profit YoY | 245.6% | -94.0% |
| EPS (diluted) | $0.43 | $0.16 |
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 | $57.1M | ||
| Q3 25 | $26.7M | $59.0M | ||
| Q2 25 | $26.5M | $60.4M | ||
| Q1 25 | $24.6M | $57.0M | ||
| Q4 24 | $22.8M | $46.7M | ||
| Q3 24 | $20.2M | $46.1M | ||
| Q2 24 | $20.2M | $49.4M | ||
| Q1 24 | $20.5M | $49.2M |
| Q4 25 | $10.1M | $456.0K | ||
| Q3 25 | $6.5M | $1.4M | ||
| Q2 25 | $6.1M | $116.5M | ||
| Q1 25 | $6.0M | $250.0K | ||
| Q4 24 | $2.9M | $7.6M | ||
| Q3 24 | $2.4M | $-853.0K | ||
| Q2 24 | $3.2M | $91.2M | ||
| Q1 24 | $2.4M | $-2.3M |
| Q4 25 | 43.6% | 10.8% | ||
| Q3 25 | 32.8% | 10.0% | ||
| Q2 25 | 30.2% | 12.1% | ||
| Q1 25 | 32.5% | 8.8% | ||
| Q4 24 | 19.6% | 11.8% | ||
| Q3 24 | 15.2% | 4.6% | ||
| Q2 24 | 21.8% | — | ||
| Q1 24 | 18.3% | 8.3% |
| Q4 25 | 36.3% | 0.8% | ||
| Q3 25 | 24.3% | 2.3% | ||
| Q2 25 | 23.0% | 192.9% | ||
| Q1 25 | 24.2% | 0.4% | ||
| Q4 24 | 14.1% | 16.4% | ||
| Q3 24 | 12.1% | -1.9% | ||
| Q2 24 | 15.8% | 184.7% | ||
| Q1 24 | 11.8% | -4.7% |
| Q4 25 | $0.43 | $0.16 | ||
| Q3 25 | $0.27 | $0.49 | ||
| Q2 25 | $0.25 | $43.67 | ||
| Q1 25 | $0.25 | $0.08 | ||
| Q4 24 | $0.11 | $2.71 | ||
| Q3 24 | $0.10 | $-0.36 | ||
| Q2 24 | $0.14 | $38.40 | ||
| Q1 24 | $0.11 | $-1.00 |
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 | $18.4M |
| Total DebtLower is stronger | $596.1M | $113.3M |
| Stockholders' EquityBook value | $541.5M | $188.7M |
| Total Assets | $3.2B | $588.3M |
| Debt / EquityLower = less leverage | 1.10× | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $18.4M | ||
| Q3 25 | $146.6M | $16.6M | ||
| Q2 25 | $126.6M | $17.0M | ||
| Q1 25 | $129.9M | $13.3M | ||
| Q4 24 | $139.8M | $10.2M | ||
| Q3 24 | $155.8M | $6.3M | ||
| Q2 24 | $103.2M | $10.1M | ||
| Q1 24 | $134.7M | $5.9M |
| Q4 25 | $596.1M | $113.3M | ||
| Q3 25 | $521.1M | $111.3M | ||
| Q2 25 | $536.1M | $110.8M | ||
| Q1 25 | $521.1M | $112.0M | ||
| Q4 24 | $596.1M | $111.5M | ||
| Q3 24 | $580.4M | $95.2M | ||
| Q2 24 | $680.4M | $99.5M | ||
| Q1 24 | $680.4M | $179.7M |
| Q4 25 | $541.5M | $188.7M | ||
| Q3 25 | $529.8M | $187.6M | ||
| Q2 25 | $521.1M | $185.6M | ||
| Q1 25 | $513.9M | $68.6M | ||
| Q4 24 | $505.5M | $66.7M | ||
| Q3 24 | $504.6M | $56.4M | ||
| Q2 24 | $497.7M | $56.8M | ||
| Q1 24 | $493.7M | $-35.8M |
| Q4 25 | $3.2B | $588.3M | ||
| Q3 25 | $3.2B | $592.1M | ||
| Q2 25 | $3.2B | $599.0M | ||
| Q1 25 | $3.1B | $511.2M | ||
| Q4 24 | $3.0B | $530.1M | ||
| Q3 24 | $3.0B | $508.9M | ||
| Q2 24 | $2.8B | $530.5M | ||
| Q1 24 | $2.8B | $543.7M |
| Q4 25 | 1.10× | 0.60× | ||
| Q3 25 | 0.98× | 0.59× | ||
| Q2 25 | 1.03× | 0.60× | ||
| Q1 25 | 1.01× | 1.63× | ||
| Q4 24 | 1.18× | 1.67× | ||
| Q3 24 | 1.15× | 1.69× | ||
| Q2 24 | 1.37× | 1.75× | ||
| 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 | $1.7M |
| Free Cash FlowOCF − Capex | $54.6M | $891.0K |
| FCF MarginFCF / Revenue | 173.9% | 1.6% |
| Capex IntensityCapex / Revenue | 3.1% | 1.4% |
| Cash ConversionOCF / Net Profit | 5.48× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $1.7M | ||
| Q3 25 | $1.4M | $2.3M | ||
| Q2 25 | $6.2M | $6.8M | ||
| Q1 25 | $13.1M | $6.2M | ||
| Q4 24 | $7.2M | $2.1M | ||
| Q3 24 | $-14.6M | $-1.3M | ||
| Q2 24 | $-2.6M | $5.1M | ||
| Q1 24 | $1.5M | $-277.0K |
| Q4 25 | $54.6M | $891.0K | ||
| Q3 25 | $786.0K | $1.9M | ||
| Q2 25 | $5.9M | $6.2M | ||
| Q1 25 | $12.9M | $5.9M | ||
| Q4 24 | $4.5M | $1.7M | ||
| Q3 24 | $-15.0M | $-1.4M | ||
| Q2 24 | $-2.6M | $5.1M | ||
| Q1 24 | $-315.0K | $-326.0K |
| Q4 25 | 173.9% | 1.6% | ||
| Q3 25 | 2.9% | 3.2% | ||
| Q2 25 | 22.4% | 10.3% | ||
| Q1 25 | 52.6% | 10.3% | ||
| Q4 24 | 19.7% | 3.6% | ||
| Q3 24 | -74.1% | -3.0% | ||
| Q2 24 | -13.0% | 10.3% | ||
| Q1 24 | -1.5% | -0.7% |
| Q4 25 | 3.1% | 1.4% | ||
| Q3 25 | 2.3% | 0.7% | ||
| Q2 25 | 1.0% | 0.9% | ||
| Q1 25 | 0.6% | 0.6% | ||
| Q4 24 | 11.9% | 0.9% | ||
| Q3 24 | 2.0% | 0.0% | ||
| Q2 24 | 0.3% | 0.0% | ||
| Q1 24 | 8.7% | 0.1% |
| Q4 25 | 5.48× | 3.65× | ||
| Q3 25 | 0.21× | 1.68× | ||
| Q2 25 | 1.01× | 0.06× | ||
| Q1 25 | 2.20× | 24.80× | ||
| Q4 24 | 2.46× | 0.28× | ||
| Q3 24 | -5.99× | — | ||
| Q2 24 | -0.80× | 0.06× | ||
| Q1 24 | 0.61× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
