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Side-by-side financial comparison of LIVEPERSON INC (LPSN) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
LIVEPERSON INC is the larger business by last-quarter revenue ($59.3M vs $51.6M, roughly 1.1× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs -77.8%, a 145.1% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs -19.0%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $-12.0M). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs -16.6%).
LivePerson is a global technology company that develops conversational commerce and AI software.
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.
LPSN vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $59.3M | $51.6M |
| Net Profit | $-46.1M | $34.8M |
| Gross Margin | 73.2% | — |
| Operating Margin | -68.7% | 97.0% |
| Net Margin | -77.8% | 67.3% |
| Revenue YoY | -19.0% | 32.8% |
| Net Profit YoY | 58.9% | 67.0% |
| EPS (diluted) | $-9.22 | $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 | $59.3M | $51.6M | ||
| Q3 25 | $60.2M | $49.1M | ||
| Q2 25 | $59.6M | $47.6M | ||
| Q1 25 | $64.7M | $37.5M | ||
| Q4 24 | $73.2M | $38.9M | ||
| Q3 24 | $74.2M | $35.1M | ||
| Q2 24 | $79.9M | $32.4M | ||
| Q1 24 | $85.1M | $29.5M |
| Q4 25 | $-46.1M | $34.8M | ||
| Q3 25 | $8.7M | $25.4M | ||
| Q2 25 | $-15.7M | $26.0M | ||
| Q1 25 | $-14.1M | $18.9M | ||
| Q4 24 | $-112.1M | $20.8M | ||
| Q3 24 | $-28.3M | $15.8M | ||
| Q2 24 | $41.8M | $14.8M | ||
| Q1 24 | $-35.6M | $17.3M |
| 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% | 97.0% | ||
| Q3 25 | -24.2% | 72.1% | ||
| Q2 25 | -10.8% | 71.3% | ||
| Q1 25 | -26.2% | 71.7% | ||
| Q4 24 | -138.0% | 82.5% | ||
| Q3 24 | -21.6% | 60.6% | ||
| Q2 24 | -37.3% | 61.3% | ||
| Q1 24 | -42.7% | 78.8% |
| Q4 25 | -77.8% | 67.3% | ||
| Q3 25 | 14.5% | 51.7% | ||
| Q2 25 | -26.4% | 54.6% | ||
| Q1 25 | -21.8% | 50.4% | ||
| Q4 24 | -153.2% | 53.5% | ||
| Q3 24 | -38.1% | 45.1% | ||
| Q2 24 | 52.3% | 45.6% | ||
| Q1 24 | -41.8% | 58.5% |
| Q4 25 | $-9.22 | $0.90 | ||
| Q3 25 | $-2.76 | $0.65 | ||
| Q2 25 | $-0.17 | $0.69 | ||
| Q1 25 | $-0.24 | $0.51 | ||
| Q4 24 | $-17.23 | $0.56 | ||
| Q3 24 | $-4.74 | $0.44 | ||
| Q2 24 | $-0.33 | $0.42 | ||
| Q1 24 | $-0.40 | $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 | $95.0M | $92.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-44.5M | $672.5M |
| Total Assets | $454.7M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $95.0M | $92.1M | ||
| Q3 25 | $106.7M | $99.0M | ||
| Q2 25 | $162.0M | $79.6M | ||
| Q1 25 | $176.3M | $51.7M | ||
| Q4 24 | $183.2M | $49.9M | ||
| Q3 24 | $142.1M | $44.1M | ||
| Q2 24 | $146.0M | $47.4M | ||
| Q1 24 | $127.1M | $34.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $512.1M | — |
| Q4 25 | $-44.5M | $672.5M | ||
| Q3 25 | $-22.1M | $634.3M | ||
| Q2 25 | $-82.4M | $597.9M | ||
| Q1 25 | $-74.9M | $563.2M | ||
| Q4 24 | $-67.3M | $516.9M | ||
| Q3 24 | $45.9M | $484.6M | ||
| Q2 24 | $66.6M | $471.3M | ||
| Q1 24 | $19.2M | $452.9M |
| Q4 25 | $454.7M | $7.4B | ||
| Q3 25 | $511.4M | $7.0B | ||
| Q2 25 | $604.2M | $6.5B | ||
| Q1 25 | $596.2M | $6.0B | ||
| Q4 24 | $607.8M | $5.5B | ||
| Q3 24 | $692.0M | $5.2B | ||
| Q2 24 | $703.8M | $4.9B | ||
| Q1 24 | $724.7M | $4.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 26.69× | — |
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 | $18.2M |
| Free Cash FlowOCF − Capex | $-12.0M | $17.9M |
| FCF MarginFCF / Revenue | -20.2% | 34.6% |
| Capex IntensityCapex / Revenue | 3.9% | 0.5% |
| Cash ConversionOCF / Net Profit | — | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $-42.5M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-9.7M | $18.2M | ||
| Q3 25 | $-6.0M | $11.5M | ||
| Q2 25 | $-11.7M | $7.7M | ||
| Q1 25 | $-3.1M | $3.5M | ||
| Q4 24 | $-3.1M | $37.8M | ||
| Q3 24 | $4.8M | $-17.6M | ||
| Q2 24 | $-17.9M | $11.5M | ||
| Q1 24 | $1.1M | $10.6M |
| Q4 25 | $-12.0M | $17.9M | ||
| Q3 25 | $-8.9M | $11.4M | ||
| Q2 25 | $-14.8M | $7.6M | ||
| Q1 25 | $-6.9M | $3.5M | ||
| Q4 24 | $-6.8M | $37.5M | ||
| Q3 24 | $-230.0K | $-17.6M | ||
| Q2 24 | $-22.9M | $11.4M | ||
| Q1 24 | $-10.4M | $10.5M |
| Q4 25 | -20.2% | 34.6% | ||
| Q3 25 | -14.8% | 23.2% | ||
| Q2 25 | -24.9% | 15.9% | ||
| Q1 25 | -10.6% | 9.2% | ||
| Q4 24 | -9.2% | 96.4% | ||
| Q3 24 | -0.3% | -50.3% | ||
| Q2 24 | -28.7% | 35.1% | ||
| Q1 24 | -12.2% | 35.8% |
| Q4 25 | 3.9% | 0.5% | ||
| Q3 25 | 4.8% | 0.1% | ||
| Q2 25 | 5.3% | 0.2% | ||
| Q1 25 | 5.8% | 0.2% | ||
| Q4 24 | 5.0% | 0.7% | ||
| Q3 24 | 6.8% | 0.2% | ||
| Q2 24 | 6.2% | 0.3% | ||
| Q1 24 | 13.5% | 0.1% |
| Q4 25 | — | 0.52× | ||
| Q3 25 | -0.69× | 0.45× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | — | -1.11× | ||
| Q2 24 | -0.43× | 0.78× | ||
| 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% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
