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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Spire Global, Inc. (SPIR). 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 $15.8M, roughly 2.0× Spire Global, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -176.6%, a 212.9% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -26.9%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-16.2M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -32.6%).
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.
Spire Global, Inc. is a space-to-cloud data and analytics company that specializes in the tracking of global data sets powered by a large constellation of nanosatellites, such as the tracking of maritime, aviation and weather patterns.
PDLB vs SPIR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $15.8M |
| Net Profit | $10.1M | $-28.0M |
| Gross Margin | — | 40.2% |
| Operating Margin | 43.6% | -164.1% |
| Net Margin | 36.3% | -176.6% |
| Revenue YoY | 37.6% | -26.9% |
| Net Profit YoY | 245.6% | 42.7% |
| EPS (diluted) | $0.43 | $-0.85 |
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 | $15.8M | ||
| Q3 25 | $26.7M | $12.7M | ||
| Q2 25 | $26.5M | $19.2M | ||
| Q1 25 | $24.6M | $23.9M | ||
| Q4 24 | $22.8M | $21.7M | ||
| Q3 24 | $20.2M | $28.6M | ||
| Q2 24 | $20.2M | $25.4M | ||
| Q1 24 | $20.5M | $34.8M |
| Q4 25 | $10.1M | $-28.0M | ||
| Q3 25 | $6.5M | $-19.7M | ||
| Q2 25 | $6.1M | $119.6M | ||
| Q1 25 | $6.0M | $-20.7M | ||
| Q4 24 | $2.9M | $-48.8M | ||
| Q3 24 | $2.4M | $-12.5M | ||
| Q2 24 | $3.2M | $-16.6M | ||
| Q1 24 | $2.4M | $-25.5M |
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% | ||
| Q1 24 | — | 26.5% |
| Q4 25 | 43.6% | -164.1% | ||
| Q3 25 | 32.8% | -166.1% | ||
| Q2 25 | 30.2% | -122.7% | ||
| Q1 25 | 32.5% | -106.5% | ||
| Q4 24 | 19.6% | -144.1% | ||
| Q3 24 | 15.2% | -48.0% | ||
| Q2 24 | 21.8% | -48.6% | ||
| Q1 24 | 18.3% | -34.4% |
| Q4 25 | 36.3% | -176.6% | ||
| Q3 25 | 24.3% | -155.3% | ||
| Q2 25 | 23.0% | 623.4% | ||
| Q1 25 | 24.2% | -86.5% | ||
| Q4 24 | 14.1% | -225.2% | ||
| Q3 24 | 12.1% | -43.7% | ||
| Q2 24 | 15.8% | -65.2% | ||
| Q1 24 | 11.8% | -73.3% |
| Q4 25 | $0.43 | $-0.85 | ||
| Q3 25 | $0.27 | $-0.61 | ||
| Q2 25 | $0.25 | $3.72 | ||
| Q1 25 | $0.25 | $-0.77 | ||
| Q4 24 | $0.11 | $-1.93 | ||
| Q3 24 | $0.10 | $-0.50 | ||
| Q2 24 | $0.14 | $-0.68 | ||
| Q1 24 | $0.11 | $-1.17 |
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 | $81.8M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $112.9M |
| Total Assets | $3.2B | $211.0M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $81.8M | ||
| Q3 25 | $146.6M | $96.8M | ||
| Q2 25 | $126.6M | $117.6M | ||
| Q1 25 | $129.9M | $35.9M | ||
| Q4 24 | $139.8M | $19.2M | ||
| Q3 24 | $155.8M | $36.6M | ||
| Q2 24 | $103.2M | $45.8M | ||
| Q1 24 | $134.7M | $63.7M |
| Q4 25 | $596.1M | — | ||
| Q3 25 | $521.1M | — | ||
| Q2 25 | $536.1M | — | ||
| Q1 25 | $521.1M | $103.7M | ||
| Q4 24 | $596.1M | $103.1M | ||
| Q3 24 | $580.4M | $4.9M | ||
| Q2 24 | $680.4M | $4.9M | ||
| Q1 24 | $680.4M | $123.1M |
| Q4 25 | $541.5M | $112.9M | ||
| Q3 25 | $529.8M | $133.1M | ||
| Q2 25 | $521.1M | $149.2M | ||
| Q1 25 | $513.9M | $3.7M | ||
| Q4 24 | $505.5M | $-11.7M | ||
| Q3 24 | $504.6M | $30.8M | ||
| Q2 24 | $497.7M | $40.3M | ||
| Q1 24 | $493.7M | $52.5M |
| Q4 25 | $3.2B | $211.0M | ||
| Q3 25 | $3.2B | $224.3M | ||
| Q2 25 | $3.2B | $239.5M | ||
| Q1 25 | $3.1B | $208.8M | ||
| Q4 24 | $3.0B | $193.6M | ||
| Q3 24 | $3.0B | $224.2M | ||
| Q2 24 | $2.8B | $230.8M | ||
| Q1 24 | $2.8B | $252.3M |
| Q4 25 | 1.10× | — | ||
| Q3 25 | 0.98× | — | ||
| Q2 25 | 1.03× | — | ||
| Q1 25 | 1.01× | 27.92× | ||
| Q4 24 | 1.18× | — | ||
| Q3 24 | 1.15× | 0.16× | ||
| Q2 24 | 1.37× | 0.12× | ||
| Q1 24 | 1.38× | 2.35× |
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 | $-4.3M |
| Free Cash FlowOCF − Capex | $54.6M | $-16.2M |
| FCF MarginFCF / Revenue | 173.9% | -102.1% |
| Capex IntensityCapex / Revenue | 3.1% | 75.1% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $-92.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $-4.3M | ||
| Q3 25 | $1.4M | $-12.0M | ||
| Q2 25 | $6.2M | $-35.1M | ||
| Q1 25 | $13.1M | $-8.4M | ||
| Q4 24 | $7.2M | $-19.2M | ||
| Q3 24 | $-14.6M | $14.0M | ||
| Q2 24 | $-2.6M | $-4.4M | ||
| Q1 24 | $1.5M | $-8.8M |
| Q4 25 | $54.6M | $-16.2M | ||
| Q3 25 | $786.0K | $-20.4M | ||
| Q2 25 | $5.9M | $-38.7M | ||
| Q1 25 | $12.9M | $-17.3M | ||
| Q4 24 | $4.5M | $-24.3M | ||
| Q3 24 | $-15.0M | $5.1M | ||
| Q2 24 | $-2.6M | $-9.9M | ||
| Q1 24 | $-315.0K | $-15.9M |
| Q4 25 | 173.9% | -102.1% | ||
| Q3 25 | 2.9% | -161.3% | ||
| Q2 25 | 22.4% | -201.7% | ||
| Q1 25 | 52.6% | -72.6% | ||
| Q4 24 | 19.7% | -112.2% | ||
| Q3 24 | -74.1% | 17.8% | ||
| Q2 24 | -13.0% | -39.0% | ||
| Q1 24 | -1.5% | -45.7% |
| Q4 25 | 3.1% | 75.1% | ||
| Q3 25 | 2.3% | 66.2% | ||
| Q2 25 | 1.0% | 18.8% | ||
| Q1 25 | 0.6% | 37.3% | ||
| Q4 24 | 11.9% | 23.5% | ||
| Q3 24 | 2.0% | 31.2% | ||
| Q2 24 | 0.3% | 21.8% | ||
| Q1 24 | 8.7% | 20.3% |
| Q4 25 | 5.48× | — | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | -0.29× | ||
| 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.
