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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and Porch Group, Inc. (PRCH). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $121.1M, roughly 1.3× Porch Group, Inc.). CPI Card Group Inc. runs the higher net margin — 4.8% vs -3.9%, a 8.7% gap on every dollar of revenue. On growth, Porch Group, Inc. posted the faster year-over-year revenue change (100.0% vs 22.3%). Over the past eight quarters, Porch Group, Inc.'s revenue compounded faster (26.4% CAGR vs 16.9%).
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
Porch is a website that tries to connect homeowners with local home improvement contractors. The site features advice articles, cost guide, and online booking for over 160 home projects.
PMTS vs PRCH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $121.1M |
| Net Profit | $7.3M | $-4.7M |
| Gross Margin | 31.5% | 52.7% |
| Operating Margin | 12.0% | 34.7% |
| Net Margin | 4.8% | -3.9% |
| Revenue YoY | 22.3% | 100.0% |
| Net Profit YoY | 8.5% | 2.0% |
| EPS (diluted) | $0.62 | $-0.04 |
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.
| Q1 26 | — | $121.1M | ||
| Q4 25 | $153.1M | $112.3M | ||
| Q3 25 | $138.0M | $115.1M | ||
| Q2 25 | $129.8M | $107.0M | ||
| Q1 25 | $122.8M | $84.5M | ||
| Q4 24 | $125.1M | $75.3M | ||
| Q3 24 | $124.8M | $77.7M | ||
| Q2 24 | $118.8M | $75.9M |
| Q1 26 | — | $-4.7M | ||
| Q4 25 | $7.3M | $-3.5M | ||
| Q3 25 | $2.3M | $-10.9M | ||
| Q2 25 | $518.0K | $2.6M | ||
| Q1 25 | $4.8M | $8.4M | ||
| Q4 24 | $6.8M | $30.5M | ||
| Q3 24 | $1.3M | $14.4M | ||
| Q2 24 | $6.0M | $-64.3M |
| Q1 26 | — | 52.7% | ||
| Q4 25 | 31.5% | 99.5% | ||
| Q3 25 | 29.7% | 75.6% | ||
| Q2 25 | 30.9% | 70.9% | ||
| Q1 25 | 33.2% | 77.4% | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | 79.4% | ||
| Q2 24 | 35.7% | 22.1% |
| Q1 26 | — | 34.7% | ||
| Q4 25 | 12.0% | 14.7% | ||
| Q3 25 | 9.4% | 14.2% | ||
| Q2 25 | 7.3% | 4.7% | ||
| Q1 25 | 11.5% | -1.5% | ||
| Q4 24 | 12.7% | 33.3% | ||
| Q3 24 | 14.3% | -3.2% | ||
| Q2 24 | 12.5% | -69.2% |
| Q1 26 | — | -3.9% | ||
| Q4 25 | 4.8% | -3.1% | ||
| Q3 25 | 1.7% | -9.4% | ||
| Q2 25 | 0.4% | 2.4% | ||
| Q1 25 | 3.9% | 9.9% | ||
| Q4 24 | 5.4% | 40.5% | ||
| Q3 24 | 1.0% | 18.5% | ||
| Q2 24 | 5.1% | -84.8% |
| Q1 26 | — | $-0.04 | ||
| Q4 25 | $0.62 | $0.00 | ||
| Q3 25 | $0.19 | $-0.10 | ||
| Q2 25 | $0.04 | $0.00 | ||
| Q1 25 | $0.40 | $0.07 | ||
| Q4 24 | $0.56 | $0.34 | ||
| Q3 24 | $0.11 | $0.12 | ||
| Q2 24 | $0.51 | $-0.65 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $21.7M | $68.4M |
| Total DebtLower is stronger | $286.7M | $391.3M |
| Stockholders' EquityBook value | $-17.3M | $26.3M |
| Total Assets | $403.2M | $806.6M |
| Debt / EquityLower = less leverage | — | 14.87× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $68.4M | ||
| Q4 25 | $21.7M | $57.3M | ||
| Q3 25 | $16.0M | $85.0M | ||
| Q2 25 | $17.1M | $79.8M | ||
| Q1 25 | $31.5M | $70.4M | ||
| Q4 24 | $33.5M | $191.7M | ||
| Q3 24 | $14.7M | $238.6M | ||
| Q2 24 | $7.5M | $308.4M |
| Q1 26 | — | $391.3M | ||
| Q4 25 | $286.7M | $392.8M | ||
| Q3 25 | $308.4M | $387.1M | ||
| Q2 25 | $310.9M | $394.1M | ||
| Q1 25 | $280.7M | $409.2M | ||
| Q4 24 | $280.4M | $403.9M | ||
| Q3 24 | $280.2M | $399.0M | ||
| Q2 24 | $269.7M | $436.8M |
| Q1 26 | — | $26.3M | ||
| Q4 25 | $-17.3M | $-24.6M | ||
| Q3 25 | $-25.7M | $-27.9M | ||
| Q2 25 | $-29.0M | $-29.3M | ||
| Q1 25 | $-29.7M | $-52.4M | ||
| Q4 24 | $-35.6M | $-43.2M | ||
| Q3 24 | $-42.8M | $-77.0M | ||
| Q2 24 | $-44.6M | $-101.9M |
| Q1 26 | — | $806.6M | ||
| Q4 25 | $403.2M | $797.4M | ||
| Q3 25 | $407.1M | $787.7M | ||
| Q2 25 | $399.8M | $770.7M | ||
| Q1 25 | $351.9M | $802.3M | ||
| Q4 24 | $349.7M | $814.0M | ||
| Q3 24 | $342.3M | $867.3M | ||
| Q2 24 | $321.4M | $876.1M |
| Q1 26 | — | 14.87× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $39.6M | — |
| Free Cash FlowOCF − Capex | $35.2M | — |
| FCF MarginFCF / Revenue | 23.0% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | 5.39× | — |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $39.6M | $1.2M | ||
| Q3 25 | $10.0M | $40.8M | ||
| Q2 25 | $4.3M | $35.6M | ||
| Q1 25 | $5.6M | $-11.2M | ||
| Q4 24 | $26.7M | $-26.6M | ||
| Q3 24 | $12.5M | $12.4M | ||
| Q2 24 | $-4.8M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | $35.2M | $1.1M | ||
| Q3 25 | $5.3M | $40.7M | ||
| Q2 25 | $533.0K | $35.4M | ||
| Q1 25 | $292.0K | $-11.2M | ||
| Q4 24 | $21.6M | $-26.8M | ||
| Q3 24 | $11.1M | $12.2M | ||
| Q2 24 | $-6.0M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | 23.0% | 1.0% | ||
| Q3 25 | 3.8% | 35.4% | ||
| Q2 25 | 0.4% | 33.0% | ||
| Q1 25 | 0.2% | -13.3% | ||
| Q4 24 | 17.3% | -35.6% | ||
| Q3 24 | 8.9% | 15.7% | ||
| Q2 24 | -5.0% | -34.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 0.1% | ||
| Q3 25 | 3.4% | 0.1% | ||
| Q2 25 | 2.9% | 0.2% | ||
| Q1 25 | 4.3% | 0.1% | ||
| Q4 24 | 4.0% | 0.3% | ||
| Q3 24 | 1.2% | 0.3% | ||
| Q2 24 | 1.0% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | 5.39× | — | ||
| Q3 25 | 4.32× | — | ||
| Q2 25 | 8.39× | 13.79× | ||
| Q1 25 | 1.17× | -1.33× | ||
| Q4 24 | 3.94× | -0.87× | ||
| Q3 24 | 9.70× | 0.86× | ||
| Q2 24 | -0.79× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
PRCH
Segment breakdown not available.
