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Side-by-side financial comparison of LIVEPERSON INC (LPSN) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
LIVEPERSON INC is the larger business by last-quarter revenue ($59.3M vs $31.4M, roughly 1.9× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -77.8%, a 114.0% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -19.0%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-12.0M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -16.6%).
LivePerson is a global technology company that develops conversational commerce and AI software.
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.
LPSN vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $59.3M | $31.4M |
| Net Profit | $-46.1M | $10.1M |
| Gross Margin | 73.2% | — |
| Operating Margin | -68.7% | 43.6% |
| Net Margin | -77.8% | 36.3% |
| Revenue YoY | -19.0% | 37.6% |
| Net Profit YoY | 58.9% | 245.6% |
| EPS (diluted) | $-9.22 | $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 | $59.3M | $31.4M | ||
| Q3 25 | $60.2M | $26.7M | ||
| Q2 25 | $59.6M | $26.5M | ||
| Q1 25 | $64.7M | $24.6M | ||
| Q4 24 | $73.2M | $22.8M | ||
| Q3 24 | $74.2M | $20.2M | ||
| Q2 24 | $79.9M | $20.2M | ||
| Q1 24 | $85.1M | $20.5M |
| Q4 25 | $-46.1M | $10.1M | ||
| Q3 25 | $8.7M | $6.5M | ||
| Q2 25 | $-15.7M | $6.1M | ||
| Q1 25 | $-14.1M | $6.0M | ||
| Q4 24 | $-112.1M | $2.9M | ||
| Q3 24 | $-28.3M | $2.4M | ||
| Q2 24 | $41.8M | $3.2M | ||
| Q1 24 | $-35.6M | $2.4M |
| Q4 25 | 73.2% | — | ||
| Q3 25 | 71.4% | — | ||
| Q2 25 | 69.7% | — | ||
| Q1 25 | 71.8% | — | ||
| Q4 24 | 77.4% | — | ||
| Q3 24 | 73.1% | — | ||
| Q2 24 | 79.4% | — | ||
| Q1 24 | 71.3% | — |
| Q4 25 | -68.7% | 43.6% | ||
| Q3 25 | -24.2% | 32.8% | ||
| Q2 25 | -10.8% | 30.2% | ||
| Q1 25 | -26.2% | 32.5% | ||
| Q4 24 | -138.0% | 19.6% | ||
| Q3 24 | -21.6% | 15.2% | ||
| Q2 24 | -37.3% | 21.8% | ||
| Q1 24 | -42.7% | 18.3% |
| Q4 25 | -77.8% | 36.3% | ||
| Q3 25 | 14.5% | 24.3% | ||
| Q2 25 | -26.4% | 23.0% | ||
| Q1 25 | -21.8% | 24.2% | ||
| Q4 24 | -153.2% | 14.1% | ||
| Q3 24 | -38.1% | 12.1% | ||
| Q2 24 | 52.3% | 15.8% | ||
| Q1 24 | -41.8% | 11.8% |
| Q4 25 | $-9.22 | $0.43 | ||
| Q3 25 | $-2.76 | $0.27 | ||
| Q2 25 | $-0.17 | $0.25 | ||
| Q1 25 | $-0.24 | $0.25 | ||
| Q4 24 | $-17.23 | $0.11 | ||
| Q3 24 | $-4.74 | $0.10 | ||
| Q2 24 | $-0.33 | $0.14 | ||
| Q1 24 | $-0.40 | $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 | $95.0M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $-44.5M | $541.5M |
| Total Assets | $454.7M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $95.0M | $126.2M | ||
| Q3 25 | $106.7M | $146.6M | ||
| Q2 25 | $162.0M | $126.6M | ||
| Q1 25 | $176.3M | $129.9M | ||
| Q4 24 | $183.2M | $139.8M | ||
| Q3 24 | $142.1M | $155.8M | ||
| Q2 24 | $146.0M | $103.2M | ||
| Q1 24 | $127.1M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | $512.1M | $680.4M |
| Q4 25 | $-44.5M | $541.5M | ||
| Q3 25 | $-22.1M | $529.8M | ||
| Q2 25 | $-82.4M | $521.1M | ||
| Q1 25 | $-74.9M | $513.9M | ||
| Q4 24 | $-67.3M | $505.5M | ||
| Q3 24 | $45.9M | $504.6M | ||
| Q2 24 | $66.6M | $497.7M | ||
| Q1 24 | $19.2M | $493.7M |
| Q4 25 | $454.7M | $3.2B | ||
| Q3 25 | $511.4M | $3.2B | ||
| Q2 25 | $604.2M | $3.2B | ||
| Q1 25 | $596.2M | $3.1B | ||
| Q4 24 | $607.8M | $3.0B | ||
| Q3 24 | $692.0M | $3.0B | ||
| Q2 24 | $703.8M | $2.8B | ||
| Q1 24 | $724.7M | $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 | 26.69× | 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 | $-9.7M | $55.6M |
| Free Cash FlowOCF − Capex | $-12.0M | $54.6M |
| FCF MarginFCF / Revenue | -20.2% | 173.9% |
| Capex IntensityCapex / Revenue | 3.9% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $-42.5M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-9.7M | $55.6M | ||
| Q3 25 | $-6.0M | $1.4M | ||
| Q2 25 | $-11.7M | $6.2M | ||
| Q1 25 | $-3.1M | $13.1M | ||
| Q4 24 | $-3.1M | $7.2M | ||
| Q3 24 | $4.8M | $-14.6M | ||
| Q2 24 | $-17.9M | $-2.6M | ||
| Q1 24 | $1.1M | $1.5M |
| Q4 25 | $-12.0M | $54.6M | ||
| Q3 25 | $-8.9M | $786.0K | ||
| Q2 25 | $-14.8M | $5.9M | ||
| Q1 25 | $-6.9M | $12.9M | ||
| Q4 24 | $-6.8M | $4.5M | ||
| Q3 24 | $-230.0K | $-15.0M | ||
| Q2 24 | $-22.9M | $-2.6M | ||
| Q1 24 | $-10.4M | $-315.0K |
| Q4 25 | -20.2% | 173.9% | ||
| Q3 25 | -14.8% | 2.9% | ||
| Q2 25 | -24.9% | 22.4% | ||
| Q1 25 | -10.6% | 52.6% | ||
| Q4 24 | -9.2% | 19.7% | ||
| Q3 24 | -0.3% | -74.1% | ||
| Q2 24 | -28.7% | -13.0% | ||
| Q1 24 | -12.2% | -1.5% |
| Q4 25 | 3.9% | 3.1% | ||
| Q3 25 | 4.8% | 2.3% | ||
| Q2 25 | 5.3% | 1.0% | ||
| Q1 25 | 5.8% | 0.6% | ||
| Q4 24 | 5.0% | 11.9% | ||
| Q3 24 | 6.8% | 2.0% | ||
| Q2 24 | 6.2% | 0.3% | ||
| Q1 24 | 13.5% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | -0.69× | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | -0.43× | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LPSN
| Hosted Services Business | $51.0M | 86% |
| Professional Services | $8.3M | 14% |
PDLB
Segment breakdown not available.
