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Side-by-side financial comparison of TrueCar, Inc. (TRUE) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
TrueCar, Inc. is the larger business by last-quarter revenue ($43.2M vs $35.3M, roughly 1.2× UNITY BANCORP INC). UNITY BANCORP INC runs the higher net margin — 43.9% vs 11.6%, a 32.3% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs -7.2%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $11.2M). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% CAGR vs 2.3%).
TrueCar, Inc. is an American car retailing website company headquartered in Santa Monica, California. It also maintains a sales office in Austin, Texas.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
TRUE vs UNTY — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $43.2M | $35.3M |
| Net Profit | $5.0M | $15.5M |
| Gross Margin | — | — |
| Operating Margin | -17.0% | 55.8% |
| Net Margin | 11.6% | 43.9% |
| Revenue YoY | -7.2% | 24.2% |
| Net Profit YoY | 185.7% | 34.5% |
| EPS (diluted) | — | $1.52 |
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 | — | $35.3M | ||
| Q3 25 | $43.2M | $32.8M | ||
| Q2 25 | $47.0M | $34.4M | ||
| Q1 25 | $44.8M | $29.4M | ||
| Q4 24 | $46.2M | $28.4M | ||
| Q3 24 | $46.5M | $27.7M | ||
| Q2 24 | $41.8M | $25.5M | ||
| Q1 24 | $41.1M | $25.6M |
| Q4 25 | — | $15.5M | ||
| Q3 25 | $5.0M | $14.4M | ||
| Q2 25 | $-7.6M | $16.5M | ||
| Q1 25 | $-10.1M | $11.6M | ||
| Q4 24 | $-5.8M | $11.5M | ||
| Q3 24 | $-5.8M | $10.9M | ||
| Q2 24 | $-13.5M | $9.5M | ||
| Q1 24 | $-5.8M | $9.6M |
| Q4 25 | — | 55.8% | ||
| Q3 25 | -17.0% | 57.5% | ||
| Q2 25 | -18.3% | 62.6% | ||
| Q1 25 | -25.0% | 52.6% | ||
| Q4 24 | -15.4% | 51.0% | ||
| Q3 24 | -15.9% | 52.7% | ||
| Q2 24 | -36.3% | 49.3% | ||
| Q1 24 | -18.2% | 50.0% |
| Q4 25 | — | 43.9% | ||
| Q3 25 | 11.6% | 43.8% | ||
| Q2 25 | -16.2% | 48.0% | ||
| Q1 25 | -22.6% | 39.5% | ||
| Q4 24 | -12.7% | 40.5% | ||
| Q3 24 | -12.5% | 39.4% | ||
| Q2 24 | -32.3% | 37.1% | ||
| Q1 24 | -14.2% | 37.5% |
| Q4 25 | — | $1.52 | ||
| Q3 25 | — | $1.41 | ||
| Q2 25 | — | $1.61 | ||
| Q1 25 | — | $1.13 | ||
| Q4 24 | — | $1.13 | ||
| Q3 24 | — | $1.07 | ||
| Q2 24 | — | $0.92 | ||
| Q1 24 | — | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $103.2M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $114.2M | $345.6M |
| Total Assets | $148.7M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $103.2M | — | ||
| Q2 25 | $92.5M | — | ||
| Q1 25 | $98.0M | — | ||
| Q4 24 | $111.8M | — | ||
| Q3 24 | $114.5M | — | ||
| Q2 24 | $128.0M | — | ||
| Q1 24 | $133.7M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $345.6M | ||
| Q3 25 | $114.2M | $334.0M | ||
| Q2 25 | $106.4M | $319.8M | ||
| Q1 25 | $111.1M | $306.1M | ||
| Q4 24 | $118.1M | $295.6M | ||
| Q3 24 | $128.0M | $284.3M | ||
| Q2 24 | $143.9M | $273.4M | ||
| Q1 24 | $156.0M | $266.8M |
| Q4 25 | — | $3.0B | ||
| Q3 25 | $148.7M | $2.9B | ||
| Q2 25 | $139.8M | $2.9B | ||
| Q1 25 | $145.0M | $2.8B | ||
| Q4 24 | $159.7M | $2.7B | ||
| Q3 24 | $167.5M | $2.6B | ||
| Q2 24 | $183.0M | $2.6B | ||
| Q1 24 | $193.5M | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| 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 | $12.7M | $44.9M |
| Free Cash FlowOCF − Capex | $11.2M | $44.3M |
| FCF MarginFCF / Revenue | 25.9% | 125.7% |
| Capex IntensityCapex / Revenue | 3.5% | 1.6% |
| Cash ConversionOCF / Net Profit | 2.55× | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | $-19.0K | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $44.9M | ||
| Q3 25 | $12.7M | $45.5M | ||
| Q2 25 | $-2.8M | $-25.3M | ||
| Q1 25 | $-7.9M | $17.9M | ||
| Q4 24 | $5.9M | $48.0M | ||
| Q3 24 | $1.8M | $17.7M | ||
| Q2 24 | $-2.0M | $-8.4M | ||
| Q1 24 | $2.0M | $15.8M |
| Q4 25 | — | $44.3M | ||
| Q3 25 | $11.2M | $45.3M | ||
| Q2 25 | $-4.8M | $-25.5M | ||
| Q1 25 | $-10.6M | $17.6M | ||
| Q4 24 | $4.1M | $47.3M | ||
| Q3 24 | $-170.0K | $17.5M | ||
| Q2 24 | $-3.6M | $-8.6M | ||
| Q1 24 | $-511.0K | $15.7M |
| Q4 25 | — | 125.7% | ||
| Q3 25 | 25.9% | 138.1% | ||
| Q2 25 | -10.2% | -74.2% | ||
| Q1 25 | -23.6% | 59.9% | ||
| Q4 24 | 9.0% | 166.5% | ||
| Q3 24 | -0.4% | 63.3% | ||
| Q2 24 | -8.7% | -33.7% | ||
| Q1 24 | -1.2% | 61.4% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | 3.5% | 0.7% | ||
| Q2 25 | 4.2% | 0.5% | ||
| Q1 25 | 6.0% | 1.0% | ||
| Q4 24 | 3.7% | 2.4% | ||
| Q3 24 | 4.2% | 0.5% | ||
| Q2 24 | 3.9% | 0.5% | ||
| Q1 24 | 6.2% | 0.3% |
| Q4 25 | — | 2.90× | ||
| Q3 25 | 2.55× | 3.16× | ||
| Q2 25 | — | -1.54× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 4.17× | ||
| Q3 24 | — | 1.62× | ||
| Q2 24 | — | -0.89× | ||
| Q1 24 | — | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
