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Side-by-side financial comparison of Phreesia, Inc. (PHR) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $120.3M, roughly 1.6× Phreesia, Inc.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 3.5%, a 45.9% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 12.7%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $12.2M).
Phreesia, Inc. is a software as a service company that offers healthcare organizations a set of applications to automate and manage patient intake.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
PHR vs TMP — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $120.3M | $194.8M |
| Net Profit | $4.3M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | 3.1% | 71.7% |
| Net Margin | 3.5% | 49.4% |
| Revenue YoY | 12.7% | 152.7% |
| Net Profit YoY | 129.7% | 388.9% |
| EPS (diluted) | $0.07 | $6.72 |
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 | $120.3M | $194.8M | ||
| Q3 25 | $117.3M | $87.4M | ||
| Q2 25 | $115.9M | $82.6M | ||
| Q1 25 | — | $81.7M | ||
| Q4 24 | — | $77.1M | ||
| Q3 24 | — | $76.6M | ||
| Q2 24 | — | $72.7M | ||
| Q1 24 | — | $72.8M |
| Q4 25 | $4.3M | $96.2M | ||
| Q3 25 | $654.0K | $23.7M | ||
| Q2 25 | $-3.9M | $21.5M | ||
| Q1 25 | — | $19.7M | ||
| Q4 24 | — | $19.7M | ||
| Q3 24 | — | $18.6M | ||
| Q2 24 | — | $15.7M | ||
| Q1 24 | — | $16.9M |
| Q4 25 | 3.1% | 71.7% | ||
| Q3 25 | -1.3% | 35.6% | ||
| Q2 25 | -2.8% | 34.2% | ||
| Q1 25 | — | 31.6% | ||
| Q4 24 | — | 33.4% | ||
| Q3 24 | — | 32.0% | ||
| Q2 24 | — | 28.3% | ||
| Q1 24 | — | 30.4% |
| Q4 25 | 3.5% | 49.4% | ||
| Q3 25 | 0.6% | 27.1% | ||
| Q2 25 | -3.4% | 26.0% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 24.3% | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 23.2% |
| Q4 25 | $0.07 | $6.72 | ||
| Q3 25 | $0.01 | $1.65 | ||
| Q2 25 | $-0.07 | $1.50 | ||
| Q1 25 | — | $1.37 | ||
| Q4 24 | — | $1.39 | ||
| Q3 24 | — | $1.30 | ||
| Q2 24 | — | $1.10 | ||
| Q1 24 | — | $1.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $106.4M | $132.8M |
| Total DebtLower is stronger | $3.4M | — |
| Stockholders' EquityBook value | $320.3M | $938.4M |
| Total Assets | $423.5M | $8.7B |
| Debt / EquityLower = less leverage | 0.01× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.4M | $132.8M | ||
| Q3 25 | $98.3M | $193.5M | ||
| Q2 25 | $90.9M | $212.6M | ||
| Q1 25 | — | $193.1M | ||
| Q4 24 | — | $134.4M | ||
| Q3 24 | — | $132.3M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $57.1M |
| Q4 25 | $3.4M | — | ||
| Q3 25 | $4.6M | — | ||
| Q2 25 | $6.2M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $320.3M | $938.4M | ||
| Q3 25 | $298.0M | $788.8M | ||
| Q2 25 | $282.2M | $761.8M | ||
| Q1 25 | — | $741.4M | ||
| Q4 24 | — | $713.4M | ||
| Q3 24 | — | $719.9M | ||
| Q2 24 | — | $674.6M | ||
| Q1 24 | — | $667.9M |
| Q4 25 | $423.5M | $8.7B | ||
| Q3 25 | $408.6M | $8.5B | ||
| Q2 25 | $400.4M | $8.4B | ||
| Q1 25 | — | $8.2B | ||
| Q4 24 | — | $8.1B | ||
| Q3 24 | — | $8.0B | ||
| Q2 24 | — | $7.9B | ||
| Q1 24 | — | $7.8B |
| Q4 25 | 0.01× | — | ||
| Q3 25 | 0.02× | — | ||
| Q2 25 | 0.02× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $15.5M | $38.9M |
| Free Cash FlowOCF − Capex | $12.2M | $31.9M |
| FCF MarginFCF / Revenue | 10.1% | 16.4% |
| Capex IntensityCapex / Revenue | 2.7% | 3.6% |
| Cash ConversionOCF / Net Profit | 3.62× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $15.5M | $38.9M | ||
| Q3 25 | $14.8M | $34.9M | ||
| Q2 25 | $14.8M | $18.9M | ||
| Q1 25 | — | $22.2M | ||
| Q4 24 | — | $95.0M | ||
| Q3 24 | — | $21.2M | ||
| Q2 24 | — | $27.3M | ||
| Q1 24 | — | $23.2M |
| Q4 25 | $12.2M | $31.9M | ||
| Q3 25 | $13.1M | $33.9M | ||
| Q2 25 | $11.3M | $18.3M | ||
| Q1 25 | — | $20.9M | ||
| Q4 24 | — | $88.8M | ||
| Q3 24 | — | $18.9M | ||
| Q2 24 | — | $26.3M | ||
| Q1 24 | — | $21.9M |
| Q4 25 | 10.1% | 16.4% | ||
| Q3 25 | 11.1% | 38.8% | ||
| Q2 25 | 9.8% | 22.1% | ||
| Q1 25 | — | 25.5% | ||
| Q4 24 | — | 115.1% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 36.2% | ||
| Q1 24 | — | 30.0% |
| Q4 25 | 2.7% | 3.6% | ||
| Q3 25 | 1.5% | 1.1% | ||
| Q2 25 | 3.0% | 0.8% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 8.1% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | 3.62× | 0.40× | ||
| Q3 25 | 22.68× | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | — | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PHR
| Subscription And Services | $55.5M | 46% |
| Network Solutions | $37.4M | 31% |
| Payment Processing Fees | $27.4M | 23% |
TMP
Segment breakdown not available.
