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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and QUINSTREET, INC (QNST). Click either name above to swap in a different company.
QUINSTREET, INC is the larger business by last-quarter revenue ($287.8M vs $153.1M, roughly 1.9× CPI Card Group Inc.). QUINSTREET, INC runs the higher net margin — 17.4% vs 4.8%, a 12.6% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 1.9%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $20.7M). Over the past eight quarters, QUINSTREET, INC's revenue compounded faster (53.2% 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.
QUINSTREET, INCQNSTEarnings & Financial Report
QuinStreet, Inc. is a publicly traded online marketing company based in Foster City, California. The company helps generate web traffic for clients by acquiring popular domain names.
PMTS vs QNST — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $287.8M |
| Net Profit | $7.3M | $50.2M |
| Gross Margin | 31.5% | 9.6% |
| Operating Margin | 12.0% | 0.4% |
| Net Margin | 4.8% | 17.4% |
| Revenue YoY | 22.3% | 1.9% |
| Net Profit YoY | 8.5% | 3342.5% |
| EPS (diluted) | $0.62 | $0.87 |
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 | $153.1M | $287.8M | ||
| Q3 25 | $138.0M | $285.9M | ||
| Q2 25 | $129.8M | — | ||
| Q1 25 | $122.8M | $269.8M | ||
| Q4 24 | $125.1M | $282.6M | ||
| Q3 24 | $124.8M | $279.2M | ||
| Q2 24 | $118.8M | $198.3M | ||
| Q1 24 | $111.9M | $168.6M |
| Q4 25 | $7.3M | $50.2M | ||
| Q3 25 | $2.3M | $4.5M | ||
| Q2 25 | $518.0K | — | ||
| Q1 25 | $4.8M | $4.4M | ||
| Q4 24 | $6.8M | $-1.5M | ||
| Q3 24 | $1.3M | $-1.4M | ||
| Q2 24 | $6.0M | $-2.2M | ||
| Q1 24 | $5.5M | $-7.0M |
| Q4 25 | 31.5% | 9.6% | ||
| Q3 25 | 29.7% | 9.4% | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | 10.3% | ||
| Q4 24 | 34.1% | 9.5% | ||
| Q3 24 | 35.8% | 10.2% | ||
| Q2 24 | 35.7% | 8.8% | ||
| Q1 24 | 37.1% | 8.5% |
| Q4 25 | 12.0% | 0.4% | ||
| Q3 25 | 9.4% | 1.7% | ||
| Q2 25 | 7.3% | — | ||
| Q1 25 | 11.5% | 1.8% | ||
| Q4 24 | 12.7% | -0.5% | ||
| Q3 24 | 14.3% | -0.4% | ||
| Q2 24 | 12.5% | -0.7% | ||
| Q1 24 | 12.6% | -3.2% |
| Q4 25 | 4.8% | 17.4% | ||
| Q3 25 | 1.7% | 1.6% | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 3.9% | 1.6% | ||
| Q4 24 | 5.4% | -0.5% | ||
| Q3 24 | 1.0% | -0.5% | ||
| Q2 24 | 5.1% | -1.1% | ||
| Q1 24 | 4.9% | -4.2% |
| Q4 25 | $0.62 | $0.87 | ||
| Q3 25 | $0.19 | $0.08 | ||
| Q2 25 | $0.04 | — | ||
| Q1 25 | $0.40 | $0.08 | ||
| Q4 24 | $0.56 | $-0.03 | ||
| Q3 24 | $0.11 | $-0.02 | ||
| Q2 24 | $0.51 | $-0.04 | ||
| Q1 24 | $0.46 | $-0.13 |
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 | $107.0M |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $294.4M |
| Total Assets | $403.2M | $493.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $107.0M | ||
| Q3 25 | $16.0M | $101.3M | ||
| Q2 25 | $17.1M | — | ||
| Q1 25 | $31.5M | $81.8M | ||
| Q4 24 | $33.5M | $57.8M | ||
| Q3 24 | $14.7M | $25.0M | ||
| Q2 24 | $7.5M | $50.5M | ||
| Q1 24 | $17.1M | $39.6M |
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
| Q4 25 | $-17.3M | $294.4M | ||
| Q3 25 | $-25.7M | $246.7M | ||
| Q2 25 | $-29.0M | — | ||
| Q1 25 | $-29.7M | $235.5M | ||
| Q4 24 | $-35.6M | $224.3M | ||
| Q3 24 | $-42.8M | $219.8M | ||
| Q2 24 | $-44.6M | $216.8M | ||
| Q1 24 | $-48.5M | $215.0M |
| Q4 25 | $403.2M | $493.0M | ||
| Q3 25 | $407.1M | $442.6M | ||
| Q2 25 | $399.8M | — | ||
| Q1 25 | $351.9M | $417.2M | ||
| Q4 24 | $349.7M | $409.6M | ||
| Q3 24 | $342.3M | $401.2M | ||
| Q2 24 | $321.4M | $368.5M | ||
| Q1 24 | $319.8M | $349.3M |
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 | $21.6M |
| Free Cash FlowOCF − Capex | $35.2M | $20.7M |
| FCF MarginFCF / Revenue | 23.0% | 7.2% |
| Capex IntensityCapex / Revenue | 2.9% | 0.3% |
| Cash ConversionOCF / Net Profit | 5.39× | 0.43× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $106.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $21.6M | ||
| Q3 25 | $10.0M | $19.6M | ||
| Q2 25 | $4.3M | — | ||
| Q1 25 | $5.6M | $30.1M | ||
| Q4 24 | $26.7M | $38.7M | ||
| Q3 24 | $12.5M | $-13.7M | ||
| Q2 24 | $-4.8M | $16.6M | ||
| Q1 24 | $8.9M | $4.1M |
| Q4 25 | $35.2M | $20.7M | ||
| Q3 25 | $5.3M | $18.4M | ||
| Q2 25 | $533.0K | — | ||
| Q1 25 | $292.0K | $29.5M | ||
| Q4 24 | $21.6M | $38.2M | ||
| Q3 24 | $11.1M | $-14.1M | ||
| Q2 24 | $-6.0M | $15.4M | ||
| Q1 24 | $7.4M | $2.9M |
| Q4 25 | 23.0% | 7.2% | ||
| Q3 25 | 3.8% | 6.4% | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.2% | 10.9% | ||
| Q4 24 | 17.3% | 13.5% | ||
| Q3 24 | 8.9% | -5.1% | ||
| Q2 24 | -5.0% | 7.8% | ||
| Q1 24 | 6.6% | 1.7% |
| Q4 25 | 2.9% | 0.3% | ||
| Q3 25 | 3.4% | 0.4% | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 4.3% | 0.2% | ||
| Q4 24 | 4.0% | 0.2% | ||
| Q3 24 | 1.2% | 0.2% | ||
| Q2 24 | 1.0% | 0.6% | ||
| Q1 24 | 1.3% | 0.7% |
| Q4 25 | 5.39× | 0.43× | ||
| Q3 25 | 4.32× | 4.32× | ||
| Q2 25 | 8.39× | — | ||
| Q1 25 | 1.17× | 6.82× | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | — | ||
| Q2 24 | -0.79× | — | ||
| Q1 24 | 1.63× | — |
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% |
QNST
| Financial Service | $216.8M | 75% |
| Home Services And Other Revenue | $71.0M | 25% |
