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Side-by-side financial comparison of LifeMD, Inc. (LFMD) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $60.2M, roughly 1.3× LifeMD, Inc.). LifeMD, Inc. runs the higher net margin — -6.3% vs -178.3%, a 172.0% gap on every dollar of revenue. On growth, LifeMD, Inc. posted the faster year-over-year revenue change (13.0% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $-944.4K). Over the past eight quarters, LifeMD, Inc.'s revenue compounded faster (24.8% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
LFMD vs RPAY — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $60.2M | $78.6M |
| Net Profit | $-3.8M | $-140.1M |
| Gross Margin | 87.7% | 74.2% |
| Operating Margin | -3.3% | -182.2% |
| Net Margin | -6.3% | -178.3% |
| Revenue YoY | 13.0% | 0.4% |
| Net Profit YoY | 18.3% | -3304.1% |
| EPS (diluted) | — | $-1.68 |
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 | — | $78.6M | ||
| Q3 25 | $60.2M | $77.7M | ||
| Q2 25 | $62.7M | $75.6M | ||
| Q1 25 | $64.1M | $77.3M | ||
| Q4 24 | — | $78.3M | ||
| Q3 24 | $53.3M | $79.1M | ||
| Q2 24 | $50.7M | $74.9M | ||
| Q1 24 | $44.1M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $-3.8M | $-6.4M | ||
| Q2 25 | $-1.6M | $-102.3M | ||
| Q1 25 | $-183.8K | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $-4.7M | $3.2M | ||
| Q2 24 | $-6.9M | $-4.1M | ||
| Q1 24 | $-6.8M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | 87.7% | 74.4% | ||
| Q2 25 | 88.1% | 75.7% | ||
| Q1 25 | 86.5% | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | 90.6% | 77.8% | ||
| Q2 24 | 90.1% | 78.2% | ||
| Q1 24 | 89.6% | 76.2% |
| Q4 25 | — | -182.2% | ||
| Q3 25 | -3.3% | -3.9% | ||
| Q2 25 | -0.7% | -138.7% | ||
| Q1 25 | 1.5% | -4.7% | ||
| Q4 24 | — | -1.5% | ||
| Q3 24 | -7.5% | -0.9% | ||
| Q2 24 | -12.4% | -4.6% | ||
| Q1 24 | -14.0% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | -6.3% | -8.3% | ||
| Q2 25 | -2.6% | -135.2% | ||
| Q1 25 | -0.3% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | -8.7% | 4.1% | ||
| Q2 24 | -13.6% | -5.4% | ||
| Q1 24 | -15.3% | -6.5% |
| Q4 25 | — | $-1.68 | ||
| Q3 25 | — | $-0.08 | ||
| Q2 25 | $-0.05 | $-1.15 | ||
| Q1 25 | $-0.02 | $-0.09 | ||
| Q4 24 | — | $-0.04 | ||
| Q3 24 | $-0.13 | $0.03 | ||
| Q2 24 | — | $-0.04 | ||
| Q1 24 | — | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $1.3M | $484.4M |
| Total Assets | $66.0M | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | $36.2M | $162.6M | ||
| Q1 25 | $34.4M | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | $37.6M | $168.7M | ||
| Q2 24 | $35.7M | $147.1M | ||
| Q1 24 | $35.1M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | $15.9M | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | — | $484.4M | ||
| Q3 25 | $1.3M | $616.9M | ||
| Q2 25 | $-1.8M | $633.7M | ||
| Q1 25 | $-2.3M | $755.7M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | $-7.7M | $754.7M | ||
| Q2 24 | $-4.2M | $815.4M | ||
| Q1 24 | $-845.3K | $813.8M |
| Q4 25 | — | $1.2B | ||
| Q3 25 | $66.0M | $1.3B | ||
| Q2 25 | $73.6M | $1.4B | ||
| Q1 25 | $73.6M | $1.5B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | $72.6M | $1.6B | ||
| Q2 24 | $63.8M | $1.5B | ||
| Q1 24 | $61.5M | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $-944.4K | $23.2M |
| FCF MarginFCF / Revenue | -1.6% | 29.6% |
| Capex IntensityCapex / Revenue | 1.3% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $16.1M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $23.3M | ||
| Q3 25 | $-147.1K | $32.2M | ||
| Q2 25 | $8.6M | $33.1M | ||
| Q1 25 | $3.1M | $2.5M | ||
| Q4 24 | — | $34.3M | ||
| Q3 24 | $6.7M | $60.1M | ||
| Q2 24 | $4.5M | $31.0M | ||
| Q1 24 | $5.2M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | $-944.4K | $32.1M | ||
| Q2 25 | $7.8M | $33.0M | ||
| Q1 25 | $2.9M | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | $6.3M | $59.8M | ||
| Q2 24 | $3.9M | $30.5M | ||
| Q1 24 | $5.0M | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | -1.6% | 41.3% | ||
| Q2 25 | 12.5% | 43.6% | ||
| Q1 25 | 4.6% | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | 11.7% | 75.6% | ||
| Q2 24 | 7.7% | 40.7% | ||
| Q1 24 | 11.4% | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | 1.3% | 0.2% | ||
| Q2 25 | 1.3% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 1.3% | 0.6% | ||
| Q1 24 | 0.4% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
