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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and SBC Medical Group Holdings Inc (SBC). Click either name above to swap in a different company.
SBC Medical Group Holdings Inc is the larger business by last-quarter revenue ($39.6M vs $31.4M, roughly 1.3× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 35.9%, a 0.4% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -10.9%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $51.2M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -15.0%).
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.
SBC Medical Group Holdings Inc. is a leading Japan-headquartered healthcare provider primarily focused on aesthetic medicine, dermatology, and anti-aging wellness services. It operates an extensive network of clinics across Japan, catering to both domestic patients and international medical tourists, with core offerings including cosmetic surgery and non-invasive skincare treatments.
PDLB vs SBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $39.6M |
| Net Profit | $10.1M | $14.2M |
| Gross Margin | — | 73.1% |
| Operating Margin | 43.6% | 32.5% |
| Net Margin | 36.3% | 35.9% |
| Revenue YoY | 37.6% | -10.9% |
| Net Profit YoY | 245.6% | 117.2% |
| EPS (diluted) | $0.43 | $0.15 |
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 | $39.6M | ||
| Q3 25 | $26.7M | $43.4M | ||
| Q2 25 | $26.5M | $43.4M | ||
| Q1 25 | $24.6M | $47.3M | ||
| Q4 24 | $22.8M | $44.4M | ||
| Q3 24 | $20.2M | $53.1M | ||
| Q2 24 | $20.2M | $53.1M | ||
| Q1 24 | $20.5M | $54.8M |
| Q4 25 | $10.1M | $14.2M | ||
| Q3 25 | $6.5M | $12.8M | ||
| Q2 25 | $6.1M | $2.5M | ||
| Q1 25 | $6.0M | $21.5M | ||
| Q4 24 | $2.9M | $6.5M | ||
| Q3 24 | $2.4M | $2.8M | ||
| Q2 24 | $3.2M | $18.5M | ||
| Q1 24 | $2.4M | $18.8M |
| Q4 25 | — | 73.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 79.7% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 81.5% | ||
| Q2 24 | — | 74.2% | ||
| Q1 24 | — | 72.1% |
| Q4 25 | 43.6% | 32.5% | ||
| Q3 25 | 32.8% | 36.6% | ||
| Q2 25 | 30.2% | 33.6% | ||
| Q1 25 | 32.5% | 51.1% | ||
| Q4 24 | 19.6% | 10.6% | ||
| Q3 24 | 15.2% | 26.1% | ||
| Q2 24 | 21.8% | 51.4% | ||
| Q1 24 | 18.3% | 44.6% |
| Q4 25 | 36.3% | 35.9% | ||
| Q3 25 | 24.3% | 29.6% | ||
| Q2 25 | 23.0% | 5.7% | ||
| Q1 25 | 24.2% | 45.4% | ||
| Q4 24 | 14.1% | 14.7% | ||
| Q3 24 | 12.1% | 5.3% | ||
| Q2 24 | 15.8% | 34.8% | ||
| Q1 24 | 11.8% | 34.2% |
| Q4 25 | $0.43 | $0.15 | ||
| Q3 25 | $0.27 | $0.12 | ||
| Q2 25 | $0.25 | $0.02 | ||
| Q1 25 | $0.25 | $0.21 | ||
| Q4 24 | $0.11 | $0.05 | ||
| Q3 24 | $0.10 | $0.03 | ||
| Q2 24 | $0.14 | $0.20 | ||
| Q1 24 | $0.11 | $0.20 |
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 | $164.1M |
| Total DebtLower is stronger | $596.1M | $42.8M |
| Stockholders' EquityBook value | $541.5M | $248.3M |
| Total Assets | $3.2B | $380.4M |
| Debt / EquityLower = less leverage | 1.10× | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $164.1M | ||
| Q3 25 | $146.6M | $127.4M | ||
| Q2 25 | $126.6M | $152.7M | ||
| Q1 25 | $129.9M | $132.1M | ||
| Q4 24 | $139.8M | $125.0M | ||
| Q3 24 | $155.8M | $137.4M | ||
| Q2 24 | $103.2M | — | ||
| Q1 24 | $134.7M | — |
| Q4 25 | $596.1M | $42.8M | ||
| Q3 25 | $521.1M | $21.1M | ||
| Q2 25 | $536.1M | $7.1M | ||
| Q1 25 | $521.1M | $6.9M | ||
| Q4 24 | $596.1M | $6.6M | ||
| Q3 24 | $580.4M | $823.2K | ||
| Q2 24 | $680.4M | — | ||
| Q1 24 | $680.4M | — |
| Q4 25 | $541.5M | $248.3M | ||
| Q3 25 | $529.8M | $248.0M | ||
| Q2 25 | $521.1M | $244.6M | ||
| Q1 25 | $513.9M | $226.4M | ||
| Q4 24 | $505.5M | $195.1M | ||
| Q3 24 | $504.6M | $205.0M | ||
| Q2 24 | $497.7M | $8.8M | ||
| Q1 24 | $493.7M | $9.0M |
| Q4 25 | $3.2B | $380.4M | ||
| Q3 25 | $3.2B | $321.4M | ||
| Q2 25 | $3.2B | $315.3M | ||
| Q1 25 | $3.1B | $284.6M | ||
| Q4 24 | $3.0B | $266.1M | ||
| Q3 24 | $3.0B | $296.5M | ||
| Q2 24 | $2.8B | $19.5M | ||
| Q1 24 | $2.8B | $19.8M |
| Q4 25 | 1.10× | 0.17× | ||
| Q3 25 | 0.98× | 0.09× | ||
| Q2 25 | 1.03× | 0.03× | ||
| Q1 25 | 1.01× | 0.03× | ||
| Q4 24 | 1.18× | 0.03× | ||
| Q3 24 | 1.15× | 0.00× | ||
| 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 | $52.0M |
| Free Cash FlowOCF − Capex | $54.6M | $51.2M |
| FCF MarginFCF / Revenue | 173.9% | 129.3% |
| Capex IntensityCapex / Revenue | 3.1% | 2.0% |
| Cash ConversionOCF / Net Profit | 5.48× | 3.66× |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $23.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $52.0M | ||
| Q3 25 | $1.4M | $-20.9M | ||
| Q2 25 | $6.2M | $-8.3M | ||
| Q1 25 | $13.1M | $1.9M | ||
| Q4 24 | $7.2M | $-7.3M | ||
| Q3 24 | $-14.6M | $5.0M | ||
| Q2 24 | $-2.6M | $19.2M | ||
| Q1 24 | $1.5M | $3.7M |
| Q4 25 | $54.6M | $51.2M | ||
| Q3 25 | $786.0K | $-20.9M | ||
| Q2 25 | $5.9M | $-8.6M | ||
| Q1 25 | $12.9M | $1.7M | ||
| Q4 24 | $4.5M | $-7.9M | ||
| Q3 24 | $-15.0M | $4.6M | ||
| Q2 24 | $-2.6M | $18.3M | ||
| Q1 24 | $-315.0K | $3.0M |
| Q4 25 | 173.9% | 129.3% | ||
| Q3 25 | 2.9% | -48.3% | ||
| Q2 25 | 22.4% | -19.9% | ||
| Q1 25 | 52.6% | 3.5% | ||
| Q4 24 | 19.7% | -17.8% | ||
| Q3 24 | -74.1% | 8.7% | ||
| Q2 24 | -13.0% | 34.5% | ||
| Q1 24 | -1.5% | 5.4% |
| Q4 25 | 3.1% | 2.0% | ||
| Q3 25 | 2.3% | 0.1% | ||
| Q2 25 | 1.0% | 0.7% | ||
| Q1 25 | 0.6% | 0.5% | ||
| Q4 24 | 11.9% | 1.3% | ||
| Q3 24 | 2.0% | 0.8% | ||
| Q2 24 | 0.3% | 1.6% | ||
| Q1 24 | 8.7% | 1.3% |
| Q4 25 | 5.48× | 3.66× | ||
| Q3 25 | 0.21× | -1.63× | ||
| Q2 25 | 1.01× | -3.39× | ||
| Q1 25 | 2.20× | 0.09× | ||
| Q4 24 | 2.46× | -1.12× | ||
| Q3 24 | -5.99× | 1.77× | ||
| Q2 24 | -0.80× | 1.04× | ||
| Q1 24 | 0.61× | 0.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
SBC
| Franchising | $10.3M | 26% |
| Medical Corporation Shobikai | $8.1M | 21% |
| Medical Corporation Nasukai | $7.2M | 18% |
| Management Services | $6.3M | 16% |
| Rental Services | $4.3M | 11% |
| Medical Corporation Association Furinkai | $3.0M | 8% |
| Japan Medical And Beauty Inc | $656.5K | 2% |
