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Side-by-side financial comparison of LifeMD, Inc. (LFMD) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
LifeMD, Inc. is the larger business by last-quarter revenue ($60.2M vs $51.6M, roughly 1.2× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs -6.3%, a 73.7% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 13.0%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $-944.4K). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 24.8%).
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.
Velocity Financial, Inc. is a U.S.-headquartered real estate finance company that offers specialized mortgage loan solutions primarily for residential investment properties. It partners with independent mortgage brokers nationwide, providing real estate investors with short-term bridge loans and long-term rental property financing options tailored to their operational needs.
LFMD vs VEL — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $60.2M | $51.6M |
| Net Profit | $-3.8M | $34.8M |
| Gross Margin | 87.7% | — |
| Operating Margin | -3.3% | 97.0% |
| Net Margin | -6.3% | 67.3% |
| Revenue YoY | 13.0% | 32.8% |
| Net Profit YoY | 18.3% | 67.0% |
| EPS (diluted) | — | $0.90 |
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 | — | $51.6M | ||
| Q3 25 | $60.2M | $49.1M | ||
| Q2 25 | $62.7M | $47.6M | ||
| Q1 25 | $64.1M | $37.5M | ||
| Q4 24 | — | $38.9M | ||
| Q3 24 | $53.3M | $35.1M | ||
| Q2 24 | $50.7M | $32.4M | ||
| Q1 24 | $44.1M | $29.5M |
| Q4 25 | — | $34.8M | ||
| Q3 25 | $-3.8M | $25.4M | ||
| Q2 25 | $-1.6M | $26.0M | ||
| Q1 25 | $-183.8K | $18.9M | ||
| Q4 24 | — | $20.8M | ||
| Q3 24 | $-4.7M | $15.8M | ||
| Q2 24 | $-6.9M | $14.8M | ||
| Q1 24 | $-6.8M | $17.3M |
| 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 | — | 97.0% | ||
| Q3 25 | -3.3% | 72.1% | ||
| Q2 25 | -0.7% | 71.3% | ||
| Q1 25 | 1.5% | 71.7% | ||
| Q4 24 | — | 82.5% | ||
| Q3 24 | -7.5% | 60.6% | ||
| Q2 24 | -12.4% | 61.3% | ||
| Q1 24 | -14.0% | 78.8% |
| Q4 25 | — | 67.3% | ||
| Q3 25 | -6.3% | 51.7% | ||
| Q2 25 | -2.6% | 54.6% | ||
| Q1 25 | -0.3% | 50.4% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | -8.7% | 45.1% | ||
| Q2 24 | -13.6% | 45.6% | ||
| Q1 24 | -15.3% | 58.5% |
| Q4 25 | — | $0.90 | ||
| Q3 25 | — | $0.65 | ||
| Q2 25 | $-0.05 | $0.69 | ||
| Q1 25 | $-0.02 | $0.51 | ||
| Q4 24 | — | $0.56 | ||
| Q3 24 | $-0.13 | $0.44 | ||
| Q2 24 | — | $0.42 | ||
| Q1 24 | — | $0.49 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $92.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3M | $672.5M |
| Total Assets | $66.0M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $92.1M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | $36.2M | $79.6M | ||
| Q1 25 | $34.4M | $51.7M | ||
| Q4 24 | — | $49.9M | ||
| Q3 24 | $37.6M | $44.1M | ||
| Q2 24 | $35.7M | $47.4M | ||
| Q1 24 | $35.1M | $34.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $15.9M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $672.5M | ||
| Q3 25 | $1.3M | $634.3M | ||
| Q2 25 | $-1.8M | $597.9M | ||
| Q1 25 | $-2.3M | $563.2M | ||
| Q4 24 | — | $516.9M | ||
| Q3 24 | $-7.7M | $484.6M | ||
| Q2 24 | $-4.2M | $471.3M | ||
| Q1 24 | $-845.3K | $452.9M |
| Q4 25 | — | $7.4B | ||
| Q3 25 | $66.0M | $7.0B | ||
| Q2 25 | $73.6M | $6.5B | ||
| Q1 25 | $73.6M | $6.0B | ||
| Q4 24 | — | $5.5B | ||
| Q3 24 | $72.6M | $5.2B | ||
| Q2 24 | $63.8M | $4.9B | ||
| Q1 24 | $61.5M | $4.6B |
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 | $18.2M |
| Free Cash FlowOCF − Capex | $-944.4K | $17.9M |
| FCF MarginFCF / Revenue | -1.6% | 34.6% |
| Capex IntensityCapex / Revenue | 1.3% | 0.5% |
| Cash ConversionOCF / Net Profit | — | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $16.1M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $18.2M | ||
| Q3 25 | $-147.1K | $11.5M | ||
| Q2 25 | $8.6M | $7.7M | ||
| Q1 25 | $3.1M | $3.5M | ||
| Q4 24 | — | $37.8M | ||
| Q3 24 | $6.7M | $-17.6M | ||
| Q2 24 | $4.5M | $11.5M | ||
| Q1 24 | $5.2M | $10.6M |
| Q4 25 | — | $17.9M | ||
| Q3 25 | $-944.4K | $11.4M | ||
| Q2 25 | $7.8M | $7.6M | ||
| Q1 25 | $2.9M | $3.5M | ||
| Q4 24 | — | $37.5M | ||
| Q3 24 | $6.3M | $-17.6M | ||
| Q2 24 | $3.9M | $11.4M | ||
| Q1 24 | $5.0M | $10.5M |
| Q4 25 | — | 34.6% | ||
| Q3 25 | -1.6% | 23.2% | ||
| Q2 25 | 12.5% | 15.9% | ||
| Q1 25 | 4.6% | 9.2% | ||
| Q4 24 | — | 96.4% | ||
| Q3 24 | 11.7% | -50.3% | ||
| Q2 24 | 7.7% | 35.1% | ||
| Q1 24 | 11.4% | 35.8% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | 1.3% | 0.1% | ||
| Q2 25 | 1.3% | 0.2% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | 0.8% | 0.2% | ||
| Q2 24 | 1.3% | 0.3% | ||
| Q1 24 | 0.4% | 0.1% |
| Q4 25 | — | 0.52× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | — | -1.11× | ||
| Q2 24 | — | 0.78× | ||
| 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% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
