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Side-by-side financial comparison of Consolidated Water Co. Ltd. (CWCO) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
Velocity Financial, Inc. is the larger business by last-quarter revenue ($51.6M vs $29.6M, roughly 1.7× Consolidated Water Co. Ltd.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 10.3%, a 57.1% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 4.4%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $3.4M). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs -13.6%).
Coca-Cola Consolidated, Inc., headquartered in Charlotte, North Carolina, is the largest independent Coca-Cola bottler in the United States.
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.
CWCO vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.6M | $51.6M |
| Net Profit | $3.0M | $34.8M |
| Gross Margin | 34.7% | — |
| Operating Margin | 9.1% | 97.0% |
| Net Margin | 10.3% | 67.3% |
| Revenue YoY | 4.4% | 32.8% |
| Net Profit YoY | 91.5% | 67.0% |
| EPS (diluted) | $0.18 | $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 | $29.6M | $51.6M | ||
| Q3 25 | $35.1M | $49.1M | ||
| Q2 25 | $33.6M | $47.6M | ||
| Q1 25 | $33.7M | $37.5M | ||
| Q4 24 | $28.4M | $38.9M | ||
| Q3 24 | $33.4M | $35.1M | ||
| Q2 24 | $32.5M | $32.4M | ||
| Q1 24 | $39.7M | $29.5M |
| Q4 25 | $3.0M | $34.8M | ||
| Q3 25 | $5.5M | $25.4M | ||
| Q2 25 | $5.1M | $26.0M | ||
| Q1 25 | $4.8M | $18.9M | ||
| Q4 24 | $1.6M | $20.8M | ||
| Q3 24 | $4.5M | $15.8M | ||
| Q2 24 | $15.9M | $14.8M | ||
| Q1 24 | $6.5M | $17.3M |
| Q4 25 | 34.7% | — | ||
| Q3 25 | 36.9% | — | ||
| Q2 25 | 38.2% | — | ||
| Q1 25 | 36.5% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 34.8% | — | ||
| Q2 24 | 35.8% | — | ||
| Q1 24 | 35.0% | — |
| Q4 25 | 9.1% | 97.0% | ||
| Q3 25 | 16.4% | 72.1% | ||
| Q2 25 | 15.7% | 71.3% | ||
| Q1 25 | 13.7% | 71.7% | ||
| Q4 24 | 3.8% | 82.5% | ||
| Q3 24 | 14.6% | 60.6% | ||
| Q2 24 | 15.4% | 61.3% | ||
| Q1 24 | 18.4% | 78.8% |
| Q4 25 | 10.3% | 67.3% | ||
| Q3 25 | 15.8% | 51.7% | ||
| Q2 25 | 15.2% | 54.6% | ||
| Q1 25 | 14.2% | 50.4% | ||
| Q4 24 | 5.6% | 53.5% | ||
| Q3 24 | 13.3% | 45.1% | ||
| Q2 24 | 48.8% | 45.6% | ||
| Q1 24 | 16.3% | 58.5% |
| Q4 25 | $0.18 | $0.90 | ||
| Q3 25 | $0.34 | $0.65 | ||
| Q2 25 | $0.32 | $0.69 | ||
| Q1 25 | $0.30 | $0.51 | ||
| Q4 24 | $0.10 | $0.56 | ||
| Q3 24 | $0.28 | $0.44 | ||
| Q2 24 | $0.99 | $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 | $123.8M | $92.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $221.7M | $672.5M |
| Total Assets | $257.6M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $123.8M | $92.1M | ||
| Q3 25 | $123.6M | $99.0M | ||
| Q2 25 | $112.2M | $79.6M | ||
| Q1 25 | $107.9M | $51.7M | ||
| Q4 24 | $99.4M | $49.9M | ||
| Q3 24 | $104.9M | $44.1M | ||
| Q2 24 | $96.7M | $47.4M | ||
| Q1 24 | $46.2M | $34.8M |
| Q4 25 | $221.7M | $672.5M | ||
| Q3 25 | $220.4M | $634.3M | ||
| Q2 25 | $216.6M | $597.9M | ||
| Q1 25 | $213.3M | $563.2M | ||
| Q4 24 | $210.0M | $516.9M | ||
| Q3 24 | $209.8M | $484.6M | ||
| Q2 24 | $206.7M | $471.3M | ||
| Q1 24 | $192.1M | $452.9M |
| Q4 25 | $257.6M | $7.4B | ||
| Q3 25 | $257.2M | $7.0B | ||
| Q2 25 | $257.5M | $6.5B | ||
| Q1 25 | $250.4M | $6.0B | ||
| Q4 24 | $243.3M | $5.5B | ||
| Q3 24 | $238.4M | $5.2B | ||
| Q2 24 | $235.2M | $4.9B | ||
| Q1 24 | $223.2M | $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 | $5.8M | $18.2M |
| Free Cash FlowOCF − Capex | $3.4M | $17.9M |
| FCF MarginFCF / Revenue | 11.4% | 34.6% |
| Capex IntensityCapex / Revenue | 8.1% | 0.5% |
| Cash ConversionOCF / Net Profit | 1.90× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $33.2M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.8M | $18.2M | ||
| Q3 25 | $15.4M | $11.5M | ||
| Q2 25 | $8.8M | $7.7M | ||
| Q1 25 | $11.8M | $3.5M | ||
| Q4 24 | $-742.0K | $37.8M | ||
| Q3 24 | $10.4M | $-17.6M | ||
| Q2 24 | $21.0M | $11.5M | ||
| Q1 24 | $6.0M | $10.6M |
| Q4 25 | $3.4M | $17.9M | ||
| Q3 25 | $13.5M | $11.4M | ||
| Q2 25 | $6.1M | $7.6M | ||
| Q1 25 | $10.2M | $3.5M | ||
| Q4 24 | $-3.7M | $37.5M | ||
| Q3 24 | $8.3M | $-17.6M | ||
| Q2 24 | $19.8M | $11.4M | ||
| Q1 24 | $5.4M | $10.5M |
| Q4 25 | 11.4% | 34.6% | ||
| Q3 25 | 38.4% | 23.2% | ||
| Q2 25 | 18.3% | 15.9% | ||
| Q1 25 | 30.1% | 9.2% | ||
| Q4 24 | -13.0% | 96.4% | ||
| Q3 24 | 24.9% | -50.3% | ||
| Q2 24 | 60.8% | 35.1% | ||
| Q1 24 | 13.7% | 35.8% |
| Q4 25 | 8.1% | 0.5% | ||
| Q3 25 | 5.5% | 0.1% | ||
| Q2 25 | 7.8% | 0.2% | ||
| Q1 25 | 4.7% | 0.2% | ||
| Q4 24 | 10.4% | 0.7% | ||
| Q3 24 | 6.1% | 0.2% | ||
| Q2 24 | 3.7% | 0.3% | ||
| Q1 24 | 1.3% | 0.1% |
| Q4 25 | 1.90× | 0.52× | ||
| Q3 25 | 2.79× | 0.45× | ||
| Q2 25 | 1.72× | 0.29× | ||
| Q1 25 | 2.45× | 0.19× | ||
| Q4 24 | -0.47× | 1.81× | ||
| Q3 24 | 2.32× | -1.11× | ||
| Q2 24 | 1.32× | 0.78× | ||
| Q1 24 | 0.92× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CWCO
| Services Revenues | $10.5M | 35% |
| Transferred At Point In Time | $8.5M | 29% |
| Operations And Maintenance | $8.4M | 28% |
| Transferred Over Time | $1.9M | 7% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
