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Side-by-side financial comparison of Lifeway Foods, Inc. (LWAY) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Lifeway Foods, Inc. is the larger business by last-quarter revenue ($55.4M vs $31.4M, roughly 1.8× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 4.6%, a 31.7% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 18.0%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-17.4M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 11.4%).
Lifeway Foods is an Illinois-based health food company founded in 1986. They are a leading U.S. supplier of kefir and fermented probiotic products to support the microbiome.
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.
LWAY vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $55.4M | $31.4M |
| Net Profit | $2.5M | $10.1M |
| Gross Margin | 27.8% | — |
| Operating Margin | 6.8% | 43.6% |
| Net Margin | 4.6% | 36.3% |
| Revenue YoY | 18.0% | 37.6% |
| Net Profit YoY | 1688.1% | 245.6% |
| EPS (diluted) | $0.15 | $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 | $55.4M | $31.4M | ||
| Q3 25 | $57.1M | $26.7M | ||
| Q2 25 | $53.9M | $26.5M | ||
| Q1 25 | $46.1M | $24.6M | ||
| Q4 24 | $46.9M | $22.8M | ||
| Q3 24 | $46.1M | $20.2M | ||
| Q2 24 | $49.2M | $20.2M | ||
| Q1 24 | $44.6M | $20.5M |
| Q4 25 | $2.5M | $10.1M | ||
| Q3 25 | $3.5M | $6.5M | ||
| Q2 25 | $4.2M | $6.1M | ||
| Q1 25 | $3.5M | $6.0M | ||
| Q4 24 | $-160.0K | $2.9M | ||
| Q3 24 | $3.0M | $2.4M | ||
| Q2 24 | $3.8M | $3.2M | ||
| Q1 24 | $2.4M | $2.4M |
| Q4 25 | 27.8% | — | ||
| Q3 25 | 28.7% | — | ||
| Q2 25 | 28.6% | — | ||
| Q1 25 | 23.9% | — | ||
| Q4 24 | 25.3% | — | ||
| Q3 24 | 25.7% | — | ||
| Q2 24 | 27.0% | — | ||
| Q1 24 | 25.8% | — |
| Q4 25 | 6.8% | 43.6% | ||
| Q3 25 | 8.8% | 32.8% | ||
| Q2 25 | 10.8% | 30.2% | ||
| Q1 25 | 3.4% | 32.5% | ||
| Q4 24 | 1.5% | 19.6% | ||
| Q3 24 | 9.1% | 15.2% | ||
| Q2 24 | 11.0% | 21.8% | ||
| Q1 24 | 8.0% | 18.3% |
| Q4 25 | 4.6% | 36.3% | ||
| Q3 25 | 6.2% | 24.3% | ||
| Q2 25 | 7.9% | 23.0% | ||
| Q1 25 | 7.7% | 24.2% | ||
| Q4 24 | -0.3% | 14.1% | ||
| Q3 24 | 6.5% | 12.1% | ||
| Q2 24 | 7.7% | 15.8% | ||
| Q1 24 | 5.4% | 11.8% |
| Q4 25 | $0.15 | $0.43 | ||
| Q3 25 | $0.23 | $0.27 | ||
| Q2 25 | $0.28 | $0.25 | ||
| Q1 25 | $0.23 | $0.25 | ||
| Q4 24 | $0.00 | $0.11 | ||
| Q3 24 | $0.19 | $0.10 | ||
| Q2 24 | $0.25 | $0.14 | ||
| Q1 24 | $0.16 | $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 | $5.6M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $85.8M | $541.5M |
| Total Assets | $105.6M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.6M | $126.2M | ||
| Q3 25 | $23.0M | $146.6M | ||
| Q2 25 | $21.2M | $126.6M | ||
| Q1 25 | $19.4M | $129.9M | ||
| Q4 24 | $16.7M | $139.8M | ||
| Q3 24 | $20.6M | $155.8M | ||
| Q2 24 | $14.6M | $103.2M | ||
| Q1 24 | $12.0M | $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 | $2.5M | $680.4M |
| Q4 25 | $85.8M | $541.5M | ||
| Q3 25 | $82.8M | $529.8M | ||
| Q2 25 | $78.7M | $521.1M | ||
| Q1 25 | $74.2M | $513.9M | ||
| Q4 24 | $71.9M | $505.5M | ||
| Q3 24 | $71.5M | $504.6M | ||
| Q2 24 | $68.0M | $497.7M | ||
| Q1 24 | $63.5M | $493.7M |
| Q4 25 | $105.6M | $3.2B | ||
| Q3 25 | $109.5M | $3.2B | ||
| Q2 25 | $98.3M | $3.2B | ||
| Q1 25 | $93.7M | $3.1B | ||
| Q4 24 | $90.5M | $3.0B | ||
| Q3 24 | $91.3M | $3.0B | ||
| Q2 24 | $84.9M | $2.8B | ||
| Q1 24 | $82.8M | $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 | 0.04× | 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 | $267.0K | $55.6M |
| Free Cash FlowOCF − Capex | $-17.4M | $54.6M |
| FCF MarginFCF / Revenue | -31.5% | 173.9% |
| Capex IntensityCapex / Revenue | 31.9% | 3.1% |
| Cash ConversionOCF / Net Profit | 0.11× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $-16.4M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $267.0K | $55.6M | ||
| Q3 25 | $6.9M | $1.4M | ||
| Q2 25 | $3.9M | $6.2M | ||
| Q1 25 | $-150.0K | $13.1M | ||
| Q4 24 | $-2.6M | $7.2M | ||
| Q3 24 | $7.5M | $-14.6M | ||
| Q2 24 | $6.5M | $-2.6M | ||
| Q1 24 | $1.5M | $1.5M |
| Q4 25 | $-17.4M | $54.6M | ||
| Q3 25 | $1.8M | $786.0K | ||
| Q2 25 | $1.6M | $5.9M | ||
| Q1 25 | $-2.4M | $12.9M | ||
| Q4 24 | $-3.8M | $4.5M | ||
| Q3 24 | $5.9M | $-15.0M | ||
| Q2 24 | $5.1M | $-2.6M | ||
| Q1 24 | $-923.0K | $-315.0K |
| Q4 25 | -31.5% | 173.9% | ||
| Q3 25 | 3.1% | 2.9% | ||
| Q2 25 | 3.0% | 22.4% | ||
| Q1 25 | -5.1% | 52.6% | ||
| Q4 24 | -8.2% | 19.7% | ||
| Q3 24 | 12.8% | -74.1% | ||
| Q2 24 | 10.4% | -13.0% | ||
| Q1 24 | -2.1% | -1.5% |
| Q4 25 | 31.9% | 3.1% | ||
| Q3 25 | 9.0% | 2.3% | ||
| Q2 25 | 4.3% | 1.0% | ||
| Q1 25 | 4.8% | 0.6% | ||
| Q4 24 | 2.7% | 11.9% | ||
| Q3 24 | 3.3% | 2.0% | ||
| Q2 24 | 2.9% | 0.3% | ||
| Q1 24 | 5.5% | 8.7% |
| Q4 25 | 0.11× | 5.48× | ||
| Q3 25 | 1.96× | 0.21× | ||
| Q2 25 | 0.92× | 1.01× | ||
| Q1 25 | -0.04× | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | 2.50× | -5.99× | ||
| Q2 24 | 1.73× | -0.80× | ||
| Q1 24 | 0.64× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LWAY
| Drinkable Kefirotherthan Pro Bugs | $47.8M | 86% |
| Cheese | $4.7M | 8% |
| Cream And Other | $1.7M | 3% |
| Other | $1.2M | 2% |
PDLB
Segment breakdown not available.
