vs
Side-by-side financial comparison of LifeMD, Inc. (LFMD) and NICOLET BANKSHARES INC (NIC). Click either name above to swap in a different company.
NICOLET BANKSHARES INC is the larger business by last-quarter revenue ($104.0M vs $60.2M, roughly 1.7× LifeMD, Inc.). NICOLET BANKSHARES INC runs the higher net margin — 38.8% vs -6.3%, a 45.1% gap on every dollar of revenue. On growth, LifeMD, Inc. posted the faster year-over-year revenue change (13.0% vs 12.5%). NICOLET BANKSHARES INC produced more free cash flow last quarter ($149.4M vs $-944.4K). Over the past eight quarters, LifeMD, Inc.'s revenue compounded faster (24.8% CAGR vs 12.5%).
SBI Life Insurance Company Limited is an Indian life insurance company. It was started as a joint venture between State Bank of India (SBI) and French financial institution BNP Paribas Cardif.
Nicolet Bankshares, Inc. is a U.S. regional bank holding company based in Green Bay, Wisconsin. They are the parent company of Nicolet National Bank, the second largest Wisconsin-based bank.
LFMD vs NIC — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $60.2M | $104.0M |
| Net Profit | $-3.8M | $40.3M |
| Gross Margin | 87.7% | — |
| Operating Margin | -3.3% | 48.3% |
| Net Margin | -6.3% | 38.8% |
| Revenue YoY | 13.0% | 12.5% |
| Net Profit YoY | 18.3% | 16.9% |
| EPS (diluted) | — | $2.63 |
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 | — | $104.0M | ||
| Q3 25 | $60.2M | $102.9M | ||
| Q2 25 | $62.7M | $95.7M | ||
| Q1 25 | $64.1M | $89.4M | ||
| Q4 24 | — | $92.4M | ||
| Q3 24 | $53.3M | $90.7M | ||
| Q2 24 | $50.7M | $85.0M | ||
| Q1 24 | $44.1M | $82.2M |
| Q4 25 | — | $40.3M | ||
| Q3 25 | $-3.8M | $41.7M | ||
| Q2 25 | $-1.6M | $36.0M | ||
| Q1 25 | $-183.8K | $32.6M | ||
| Q4 24 | — | $34.5M | ||
| Q3 24 | $-4.7M | $32.5M | ||
| Q2 24 | $-6.9M | $29.3M | ||
| Q1 24 | $-6.8M | $27.8M |
| Q4 25 | — | — | ||
| Q3 25 | 87.7% | — | ||
| Q2 25 | 88.1% | — | ||
| Q1 25 | 86.5% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 90.6% | — | ||
| Q2 24 | 90.1% | — | ||
| Q1 24 | 89.6% | — |
| Q4 25 | — | 48.3% | ||
| Q3 25 | -3.3% | 50.4% | ||
| Q2 25 | -0.7% | 46.8% | ||
| Q1 25 | 1.5% | 44.9% | ||
| Q4 24 | — | 46.8% | ||
| Q3 24 | -7.5% | 45.0% | ||
| Q2 24 | -12.4% | 43.3% | ||
| Q1 24 | -14.0% | 41.8% |
| Q4 25 | — | 38.8% | ||
| Q3 25 | -6.3% | 40.6% | ||
| Q2 25 | -2.6% | 37.6% | ||
| Q1 25 | -0.3% | 36.4% | ||
| Q4 24 | — | 37.3% | ||
| Q3 24 | -8.7% | 35.8% | ||
| Q2 24 | -13.6% | 34.5% | ||
| Q1 24 | -15.3% | 33.8% |
| Q4 25 | — | $2.63 | ||
| Q3 25 | — | $2.73 | ||
| Q2 25 | $-0.05 | $2.34 | ||
| Q1 25 | $-0.02 | $2.08 | ||
| Q4 24 | — | $2.21 | ||
| Q3 24 | $-0.13 | $2.10 | ||
| Q2 24 | — | $1.92 | ||
| Q1 24 | — | $1.82 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $134.9M |
| Stockholders' EquityBook value | $1.3M | $1.3B |
| Total Assets | $66.0M | $9.2B |
| Debt / EquityLower = less leverage | — | 0.11× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $36.2M | — | ||
| Q1 25 | $34.4M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $37.6M | — | ||
| Q2 24 | $35.7M | — | ||
| Q1 24 | $35.1M | — |
| Q4 25 | — | $134.9M | ||
| Q3 25 | — | $134.6M | ||
| Q2 25 | $15.9M | $134.3M | ||
| Q1 25 | — | $156.6M | ||
| Q4 24 | — | $161.4M | ||
| Q3 24 | — | $161.2M | ||
| Q2 24 | — | $162.4M | ||
| Q1 24 | — | $162.3M |
| Q4 25 | — | $1.3B | ||
| Q3 25 | $1.3M | $1.2B | ||
| Q2 25 | $-1.8M | $1.2B | ||
| Q1 25 | $-2.3M | $1.2B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $-7.7M | $1.1B | ||
| Q2 24 | $-4.2M | $1.1B | ||
| Q1 24 | $-845.3K | $1.1B |
| Q4 25 | — | $9.2B | ||
| Q3 25 | $66.0M | $9.0B | ||
| Q2 25 | $73.6M | $8.9B | ||
| Q1 25 | $73.6M | $9.0B | ||
| Q4 24 | — | $8.8B | ||
| Q3 24 | $72.6M | $8.6B | ||
| Q2 24 | $63.8M | $8.6B | ||
| Q1 24 | $61.5M | $8.4B |
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 0.11× | ||
| Q2 25 | — | 0.11× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.14× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.15× |
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 | $-147.1K | $153.5M |
| Free Cash FlowOCF − Capex | $-944.4K | $149.4M |
| FCF MarginFCF / Revenue | -1.6% | 143.7% |
| Capex IntensityCapex / Revenue | 1.3% | 3.9% |
| Cash ConversionOCF / Net Profit | — | 3.81× |
| TTM Free Cash FlowTrailing 4 quarters | $16.1M | $275.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $153.5M | ||
| Q3 25 | $-147.1K | $45.9M | ||
| Q2 25 | $8.6M | $38.9M | ||
| Q1 25 | $3.1M | $41.8M | ||
| Q4 24 | — | $133.7M | ||
| Q3 24 | $6.7M | $39.6M | ||
| Q2 24 | $4.5M | $37.3M | ||
| Q1 24 | $5.2M | $23.4M |
| Q4 25 | — | $149.4M | ||
| Q3 25 | $-944.4K | $45.9M | ||
| Q2 25 | $7.8M | $38.4M | ||
| Q1 25 | $2.9M | $41.3M | ||
| Q4 24 | — | $116.8M | ||
| Q3 24 | $6.3M | $34.7M | ||
| Q2 24 | $3.9M | $34.4M | ||
| Q1 24 | $5.0M | $20.1M |
| Q4 25 | — | 143.7% | ||
| Q3 25 | -1.6% | 44.6% | ||
| Q2 25 | 12.5% | 40.1% | ||
| Q1 25 | 4.6% | 46.2% | ||
| Q4 24 | — | 126.4% | ||
| Q3 24 | 11.7% | 38.3% | ||
| Q2 24 | 7.7% | 40.5% | ||
| Q1 24 | 11.4% | 24.4% |
| Q4 25 | — | 3.9% | ||
| Q3 25 | 1.3% | 0.0% | ||
| Q2 25 | 1.3% | 0.6% | ||
| Q1 25 | 0.2% | 0.5% | ||
| Q4 24 | — | 18.3% | ||
| Q3 24 | 0.8% | 5.4% | ||
| Q2 24 | 1.3% | 3.5% | ||
| Q1 24 | 0.4% | 4.0% |
| Q4 25 | — | 3.81× | ||
| Q3 25 | — | 1.10× | ||
| Q2 25 | — | 1.08× | ||
| Q1 25 | — | 1.28× | ||
| Q4 24 | — | 3.88× | ||
| Q3 24 | — | 1.22× | ||
| Q2 24 | — | 1.28× | ||
| Q1 24 | — | 0.84× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LFMD
| Telehealth Subscription Revenue | $27.3M | 45% |
| Telehealth | $20.0M | 33% |
| Work Simpli Revenue | $12.9M | 21% |
| Product And Services | $2.5M | 4% |
NIC
Segment breakdown not available.
