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Side-by-side financial comparison of LifeMD, Inc. (LFMD) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
LifeMD, Inc. is the larger business by last-quarter revenue ($60.2M vs $31.4M, roughly 1.9× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -6.3%, a 42.6% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 13.0%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-944.4K). Over the past eight quarters, LifeMD, Inc.'s revenue compounded faster (24.8% CAGR vs 23.7%).
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.
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
LFMD vs PDLB — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $60.2M | $31.4M |
| Net Profit | $-3.8M | $10.1M |
| Gross Margin | 87.7% | — |
| Operating Margin | -3.3% | 43.6% |
| Net Margin | -6.3% | 36.3% |
| Revenue YoY | 13.0% | 37.6% |
| Net Profit YoY | 18.3% | 245.6% |
| EPS (diluted) | — | $0.43 |
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 | — | $31.4M | ||
| Q3 25 | $60.2M | $26.7M | ||
| Q2 25 | $62.7M | $26.5M | ||
| Q1 25 | $64.1M | $24.6M | ||
| Q4 24 | — | $22.8M | ||
| Q3 24 | $53.3M | $20.2M | ||
| Q2 24 | $50.7M | $20.2M | ||
| Q1 24 | $44.1M | $20.5M |
| Q4 25 | — | $10.1M | ||
| Q3 25 | $-3.8M | $6.5M | ||
| Q2 25 | $-1.6M | $6.1M | ||
| Q1 25 | $-183.8K | $6.0M | ||
| Q4 24 | — | $2.9M | ||
| Q3 24 | $-4.7M | $2.4M | ||
| Q2 24 | $-6.9M | $3.2M | ||
| Q1 24 | $-6.8M | $2.4M |
| 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 | — | 43.6% | ||
| Q3 25 | -3.3% | 32.8% | ||
| Q2 25 | -0.7% | 30.2% | ||
| Q1 25 | 1.5% | 32.5% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | -7.5% | 15.2% | ||
| Q2 24 | -12.4% | 21.8% | ||
| Q1 24 | -14.0% | 18.3% |
| Q4 25 | — | 36.3% | ||
| Q3 25 | -6.3% | 24.3% | ||
| Q2 25 | -2.6% | 23.0% | ||
| Q1 25 | -0.3% | 24.2% | ||
| Q4 24 | — | 14.1% | ||
| Q3 24 | -8.7% | 12.1% | ||
| Q2 24 | -13.6% | 15.8% | ||
| Q1 24 | -15.3% | 11.8% |
| Q4 25 | — | $0.43 | ||
| Q3 25 | — | $0.27 | ||
| Q2 25 | $-0.05 | $0.25 | ||
| Q1 25 | $-0.02 | $0.25 | ||
| Q4 24 | — | $0.11 | ||
| Q3 24 | $-0.13 | $0.10 | ||
| Q2 24 | — | $0.14 | ||
| Q1 24 | — | $0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $1.3M | $541.5M |
| Total Assets | $66.0M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $126.2M | ||
| Q3 25 | — | $146.6M | ||
| Q2 25 | $36.2M | $126.6M | ||
| Q1 25 | $34.4M | $129.9M | ||
| Q4 24 | — | $139.8M | ||
| Q3 24 | $37.6M | $155.8M | ||
| Q2 24 | $35.7M | $103.2M | ||
| Q1 24 | $35.1M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | $15.9M | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | — | $541.5M | ||
| Q3 25 | $1.3M | $529.8M | ||
| Q2 25 | $-1.8M | $521.1M | ||
| Q1 25 | $-2.3M | $513.9M | ||
| Q4 24 | — | $505.5M | ||
| Q3 24 | $-7.7M | $504.6M | ||
| Q2 24 | $-4.2M | $497.7M | ||
| Q1 24 | $-845.3K | $493.7M |
| Q4 25 | — | $3.2B | ||
| Q3 25 | $66.0M | $3.2B | ||
| Q2 25 | $73.6M | $3.2B | ||
| Q1 25 | $73.6M | $3.1B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | $72.6M | $3.0B | ||
| Q2 24 | $63.8M | $2.8B | ||
| Q1 24 | $61.5M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | — | 1.15× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 1.38× |
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 | $55.6M |
| Free Cash FlowOCF − Capex | $-944.4K | $54.6M |
| FCF MarginFCF / Revenue | -1.6% | 173.9% |
| Capex IntensityCapex / Revenue | 1.3% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $16.1M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $55.6M | ||
| Q3 25 | $-147.1K | $1.4M | ||
| Q2 25 | $8.6M | $6.2M | ||
| Q1 25 | $3.1M | $13.1M | ||
| Q4 24 | — | $7.2M | ||
| Q3 24 | $6.7M | $-14.6M | ||
| Q2 24 | $4.5M | $-2.6M | ||
| Q1 24 | $5.2M | $1.5M |
| Q4 25 | — | $54.6M | ||
| Q3 25 | $-944.4K | $786.0K | ||
| Q2 25 | $7.8M | $5.9M | ||
| Q1 25 | $2.9M | $12.9M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | $6.3M | $-15.0M | ||
| Q2 24 | $3.9M | $-2.6M | ||
| Q1 24 | $5.0M | $-315.0K |
| Q4 25 | — | 173.9% | ||
| Q3 25 | -1.6% | 2.9% | ||
| Q2 25 | 12.5% | 22.4% | ||
| Q1 25 | 4.6% | 52.6% | ||
| Q4 24 | — | 19.7% | ||
| Q3 24 | 11.7% | -74.1% | ||
| Q2 24 | 7.7% | -13.0% | ||
| Q1 24 | 11.4% | -1.5% |
| Q4 25 | — | 3.1% | ||
| Q3 25 | 1.3% | 2.3% | ||
| Q2 25 | 1.3% | 1.0% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | 0.8% | 2.0% | ||
| Q2 24 | 1.3% | 0.3% | ||
| Q1 24 | 0.4% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | — | 0.61× |
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% |
PDLB
Segment breakdown not available.
