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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $31.4M, roughly 1.2× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -8.9%, a 45.2% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 3.1%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $7.7M). 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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
PDLB vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $36.5M |
| Net Profit | $10.1M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 43.6% | -10.9% |
| Net Margin | 36.3% | -8.9% |
| Revenue YoY | 37.6% | 3.1% |
| Net Profit YoY | 245.6% | 71.6% |
| 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 | $36.5M | ||
| Q3 25 | $26.7M | $36.2M | ||
| Q2 25 | $26.5M | $38.3M | ||
| Q1 25 | $24.6M | $41.3M | ||
| Q4 24 | $22.8M | $35.4M | ||
| Q3 24 | $20.2M | $40.5M | ||
| Q2 24 | $20.2M | $48.5M | ||
| Q1 24 | $20.5M | $50.5M |
| Q4 25 | $10.1M | $-3.2M | ||
| Q3 25 | $6.5M | $-6.3M | ||
| Q2 25 | $6.1M | $-10.9M | ||
| Q1 25 | $6.0M | $-40.2M | ||
| Q4 24 | $2.9M | $-11.4M | ||
| Q3 24 | $2.4M | $-9.9M | ||
| Q2 24 | $3.2M | $-4.6M | ||
| Q1 24 | $2.4M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 43.6% | -10.9% | ||
| Q3 25 | 32.8% | -19.4% | ||
| Q2 25 | 30.2% | -30.5% | ||
| Q1 25 | 32.5% | -99.9% | ||
| Q4 24 | 19.6% | -36.6% | ||
| Q3 24 | 15.2% | -29.0% | ||
| Q2 24 | 21.8% | -14.3% | ||
| Q1 24 | 18.3% | -20.1% |
| Q4 25 | 36.3% | -8.9% | ||
| Q3 25 | 24.3% | -17.3% | ||
| Q2 25 | 23.0% | -28.3% | ||
| Q1 25 | 24.2% | -97.2% | ||
| Q4 24 | 14.1% | -32.3% | ||
| Q3 24 | 12.1% | -24.5% | ||
| Q2 24 | 15.8% | -9.5% | ||
| Q1 24 | 11.8% | -15.2% |
| Q4 25 | $0.43 | $-0.02 | ||
| Q3 25 | $0.27 | $-0.03 | ||
| Q2 25 | $0.25 | $-0.06 | ||
| Q1 25 | $0.25 | $-0.21 | ||
| Q4 24 | $0.11 | $-0.06 | ||
| Q3 24 | $0.10 | $-0.05 | ||
| Q2 24 | $0.14 | $-0.02 | ||
| Q1 24 | $0.11 | $-0.04 |
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 | $104.5M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $232.1M |
| Total Assets | $3.2B | $320.9M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $104.5M | ||
| Q3 25 | $146.6M | $100.0M | ||
| Q2 25 | $126.6M | $105.0M | ||
| Q1 25 | $129.9M | $125.6M | ||
| Q4 24 | $139.8M | $142.5M | ||
| Q3 24 | $155.8M | $163.4M | ||
| Q2 24 | $103.2M | $187.4M | ||
| Q1 24 | $134.7M | $204.7M |
| 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 | $541.5M | $232.1M | ||
| Q3 25 | $529.8M | $234.4M | ||
| Q2 25 | $521.1M | $238.8M | ||
| Q1 25 | $513.9M | $250.7M | ||
| Q4 24 | $505.5M | $289.4M | ||
| Q3 24 | $504.6M | $305.1M | ||
| Q2 24 | $497.7M | $329.4M | ||
| Q1 24 | $493.7M | $333.1M |
| Q4 25 | $3.2B | $320.9M | ||
| Q3 25 | $3.2B | $335.8M | ||
| Q2 25 | $3.2B | $354.0M | ||
| Q1 25 | $3.1B | $366.1M | ||
| Q4 24 | $3.0B | $420.2M | ||
| Q3 24 | $3.0B | $448.6M | ||
| Q2 24 | $2.8B | $475.3M | ||
| Q1 24 | $2.8B | $485.5M |
| 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 | $55.6M | $7.7M |
| Free Cash FlowOCF − Capex | $54.6M | $7.7M |
| FCF MarginFCF / Revenue | 173.9% | 21.0% |
| Capex IntensityCapex / Revenue | 3.1% | 0.0% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $7.7M | ||
| Q3 25 | $1.4M | $-2.1M | ||
| Q2 25 | $6.2M | $-14.9M | ||
| Q1 25 | $13.1M | $-12.2M | ||
| Q4 24 | $7.2M | $-12.0M | ||
| Q3 24 | $-14.6M | $-3.7M | ||
| Q2 24 | $-2.6M | $-13.9M | ||
| Q1 24 | $1.5M | $-3.3M |
| Q4 25 | $54.6M | $7.7M | ||
| Q3 25 | $786.0K | $-2.2M | ||
| Q2 25 | $5.9M | $-16.2M | ||
| Q1 25 | $12.9M | $-14.3M | ||
| Q4 24 | $4.5M | $-13.3M | ||
| Q3 24 | $-15.0M | $-3.9M | ||
| Q2 24 | $-2.6M | $-14.1M | ||
| Q1 24 | $-315.0K | $-3.4M |
| Q4 25 | 173.9% | 21.0% | ||
| Q3 25 | 2.9% | -6.1% | ||
| Q2 25 | 22.4% | -42.3% | ||
| Q1 25 | 52.6% | -34.7% | ||
| Q4 24 | 19.7% | -37.5% | ||
| Q3 24 | -74.1% | -9.7% | ||
| Q2 24 | -13.0% | -29.1% | ||
| Q1 24 | -1.5% | -6.7% |
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 2.3% | 0.2% | ||
| Q2 25 | 1.0% | 3.3% | ||
| Q1 25 | 0.6% | 5.3% | ||
| Q4 24 | 11.9% | 3.5% | ||
| Q3 24 | 2.0% | 0.6% | ||
| Q2 24 | 0.3% | 0.5% | ||
| Q1 24 | 8.7% | 0.1% |
| 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.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
