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Side-by-side financial comparison of ACME UNITED CORP (ACU) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
ACME UNITED CORP is the larger business by last-quarter revenue ($52.3M vs $51.6M, roughly 1.0× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 1.9%, a 65.5% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 13.8%). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs -2.9%).
Acme United Corporation is a supplier of cutting, measuring and safety products for the school, home, office, hardware and industrial markets. The company was organized as a partnership in 1867 and incorporated in 1873 under the laws of the State of Connecticut. It is publicly traded on the NYSE American with symbol ACU.
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.
ACU vs VEL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $52.3M | $51.6M |
| Net Profit | $985.0K | $34.8M |
| Gross Margin | 39.7% | — |
| Operating Margin | 3.3% | 97.0% |
| Net Margin | 1.9% | 67.3% |
| Revenue YoY | 13.8% | 32.8% |
| Net Profit YoY | -40.4% | 67.0% |
| EPS (diluted) | $0.24 | $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.
| Q1 26 | $52.3M | — | ||
| Q4 25 | $47.5M | $51.6M | ||
| Q3 25 | $49.1M | $49.1M | ||
| Q2 25 | $54.0M | $47.6M | ||
| Q1 25 | $46.0M | $37.5M | ||
| Q4 24 | $45.9M | $38.9M | ||
| Q3 24 | $48.2M | $35.1M | ||
| Q2 24 | $55.4M | $32.4M |
| Q1 26 | $985.0K | — | ||
| Q4 25 | $1.9M | $34.8M | ||
| Q3 25 | $1.9M | $25.4M | ||
| Q2 25 | $4.8M | $26.0M | ||
| Q1 25 | $1.7M | $18.9M | ||
| Q4 24 | $1.7M | $20.8M | ||
| Q3 24 | $2.2M | $15.8M | ||
| Q2 24 | $4.5M | $14.8M |
| Q1 26 | 39.7% | — | ||
| Q4 25 | 38.2% | — | ||
| Q3 25 | 39.1% | — | ||
| Q2 25 | 41.0% | — | ||
| Q1 25 | 39.0% | — | ||
| Q4 24 | 38.7% | — | ||
| Q3 24 | 38.5% | — | ||
| Q2 24 | 40.8% | — |
| Q1 26 | 3.3% | — | ||
| Q4 25 | 6.1% | 97.0% | ||
| Q3 25 | 6.1% | 72.1% | ||
| Q2 25 | 11.8% | 71.3% | ||
| Q1 25 | 5.3% | 71.7% | ||
| Q4 24 | 5.0% | 82.5% | ||
| Q3 24 | 6.1% | 60.6% | ||
| Q2 24 | 11.5% | 61.3% |
| Q1 26 | 1.9% | — | ||
| Q4 25 | 3.9% | 67.3% | ||
| Q3 25 | 3.9% | 51.7% | ||
| Q2 25 | 8.8% | 54.6% | ||
| Q1 25 | 3.6% | 50.4% | ||
| Q4 24 | 3.7% | 53.5% | ||
| Q3 24 | 4.6% | 45.1% | ||
| Q2 24 | 8.0% | 45.6% |
| Q1 26 | $0.24 | — | ||
| Q4 25 | $0.46 | $0.90 | ||
| Q3 25 | $0.46 | $0.65 | ||
| Q2 25 | $1.16 | $0.69 | ||
| Q1 25 | $0.41 | $0.51 | ||
| Q4 24 | $0.43 | $0.56 | ||
| Q3 24 | $0.54 | $0.44 | ||
| Q2 24 | $1.09 | $0.42 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.2M | $92.1M |
| Total DebtLower is stronger | $33.0M | — |
| Stockholders' EquityBook value | $116.7M | $672.5M |
| Total Assets | $195.2M | $7.4B |
| Debt / EquityLower = less leverage | 0.28× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $4.2M | — | ||
| Q4 25 | $3.6M | $92.1M | ||
| Q3 25 | $5.1M | $99.0M | ||
| Q2 25 | $3.6M | $79.6M | ||
| Q1 25 | $3.4M | $51.7M | ||
| Q4 24 | $6.4M | $49.9M | ||
| Q3 24 | $5.7M | $44.1M | ||
| Q2 24 | $3.8M | $47.4M |
| Q1 26 | $33.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $116.7M | — | ||
| Q4 25 | $117.6M | $672.5M | ||
| Q3 25 | $115.8M | $634.3M | ||
| Q2 25 | $113.7M | $597.9M | ||
| Q1 25 | $108.3M | $563.2M | ||
| Q4 24 | $107.0M | $516.9M | ||
| Q3 24 | $106.3M | $484.6M | ||
| Q2 24 | $104.0M | $471.3M |
| Q1 26 | $195.2M | — | ||
| Q4 25 | $171.0M | $7.4B | ||
| Q3 25 | $173.0M | $7.0B | ||
| Q2 25 | $170.9M | $6.5B | ||
| Q1 25 | $163.0M | $6.0B | ||
| Q4 24 | $162.2M | $5.5B | ||
| Q3 24 | $165.5M | $5.2B | ||
| Q2 24 | $173.5M | $4.9B |
| Q1 26 | 0.28× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $18.2M |
| Free Cash FlowOCF − Capex | — | $17.9M |
| FCF MarginFCF / Revenue | — | 34.6% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | — | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $8.2M | $18.2M | ||
| Q3 25 | $7.1M | $11.5M | ||
| Q2 25 | $6.3M | $7.7M | ||
| Q1 25 | $-3.3M | $3.5M | ||
| Q4 24 | $6.4M | $37.8M | ||
| Q3 24 | $8.9M | $-17.6M | ||
| Q2 24 | $6.9M | $11.5M |
| Q1 26 | — | — | ||
| Q4 25 | $7.3M | $17.9M | ||
| Q3 25 | $301.0K | $11.4M | ||
| Q2 25 | $4.7M | $7.6M | ||
| Q1 25 | $-4.7M | $3.5M | ||
| Q4 24 | $4.7M | $37.5M | ||
| Q3 24 | $7.5M | $-17.6M | ||
| Q2 24 | $4.4M | $11.4M |
| Q1 26 | — | — | ||
| Q4 25 | 15.3% | 34.6% | ||
| Q3 25 | 0.6% | 23.2% | ||
| Q2 25 | 8.7% | 15.9% | ||
| Q1 25 | -10.2% | 9.2% | ||
| Q4 24 | 10.2% | 96.4% | ||
| Q3 24 | 15.6% | -50.3% | ||
| Q2 24 | 8.0% | 35.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.9% | 0.5% | ||
| Q3 25 | 13.8% | 0.1% | ||
| Q2 25 | 3.0% | 0.2% | ||
| Q1 25 | 2.9% | 0.2% | ||
| Q4 24 | 3.7% | 0.7% | ||
| Q3 24 | 2.8% | 0.2% | ||
| Q2 24 | 4.5% | 0.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.34× | 0.52× | ||
| Q3 25 | 3.72× | 0.45× | ||
| Q2 25 | 1.33× | 0.29× | ||
| Q1 25 | -2.02× | 0.19× | ||
| Q4 24 | 3.73× | 1.81× | ||
| Q3 24 | 3.99× | -1.11× | ||
| Q2 24 | 1.55× | 0.78× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACU
Segment breakdown not available.
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
