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Side-by-side financial comparison of ENNIS, INC. (EBF) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
ENNIS, INC. is the larger business by last-quarter revenue ($100.2M vs $51.6M, roughly 1.9× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 10.8%, a 56.5% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 0.4%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $15.7M). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 1.4%).
ENNIS, INC. (ticker EBF) is a leading North American provider of printed business products and related services. Its offerings include custom business forms, pressure-sensitive labels, marketing collateral, promotional items, and branded packaging, serving clients across retail, healthcare, financial services, and small business segments.
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.
EBF vs VEL — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $100.2M | $51.6M |
| Net Profit | $10.8M | $34.8M |
| Gross Margin | 31.9% | — |
| Operating Margin | 15.0% | 97.0% |
| Net Margin | 10.8% | 67.3% |
| Revenue YoY | 0.4% | 32.8% |
| Net Profit YoY | 6.1% | 67.0% |
| EPS (diluted) | $0.42 | $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 | $100.2M | $51.6M | ||
| Q3 25 | $98.7M | $49.1M | ||
| Q2 25 | $97.2M | $47.6M | ||
| Q1 25 | $92.7M | $37.5M | ||
| Q4 24 | $99.8M | $38.9M | ||
| Q3 24 | $99.0M | $35.1M | ||
| Q2 24 | $103.1M | $32.4M | ||
| Q1 24 | $97.4M | $29.5M |
| Q4 25 | $10.8M | $34.8M | ||
| Q3 25 | $13.2M | $25.4M | ||
| Q2 25 | $9.8M | $26.0M | ||
| Q1 25 | $9.0M | $18.9M | ||
| Q4 24 | $10.2M | $20.8M | ||
| Q3 24 | $10.3M | $15.8M | ||
| Q2 24 | $10.7M | $14.8M | ||
| Q1 24 | $10.1M | $17.3M |
| Q4 25 | 31.9% | — | ||
| Q3 25 | 30.5% | — | ||
| Q2 25 | 31.1% | — | ||
| Q1 25 | 29.5% | — | ||
| Q4 24 | 29.3% | — | ||
| Q3 24 | 30.1% | — | ||
| Q2 24 | 30.0% | — | ||
| Q1 24 | 28.4% | — |
| Q4 25 | 15.0% | 97.0% | ||
| Q3 25 | 12.5% | 72.1% | ||
| Q2 25 | 13.7% | 71.3% | ||
| Q1 25 | 13.0% | 71.7% | ||
| Q4 24 | 13.1% | 82.5% | ||
| Q3 24 | 13.3% | 60.6% | ||
| Q2 24 | 13.3% | 61.3% | ||
| Q1 24 | 13.3% | 78.8% |
| Q4 25 | 10.8% | 67.3% | ||
| Q3 25 | 13.3% | 51.7% | ||
| Q2 25 | 10.1% | 54.6% | ||
| Q1 25 | 9.7% | 50.4% | ||
| Q4 24 | 10.2% | 53.5% | ||
| Q3 24 | 10.4% | 45.1% | ||
| Q2 24 | 10.4% | 45.6% | ||
| Q1 24 | 10.4% | 58.5% |
| Q4 25 | $0.42 | $0.90 | ||
| Q3 25 | $0.51 | $0.65 | ||
| Q2 25 | $0.38 | $0.69 | ||
| Q1 25 | $0.34 | $0.51 | ||
| Q4 24 | $0.39 | $0.56 | ||
| Q3 24 | $0.40 | $0.44 | ||
| Q2 24 | $0.41 | $0.42 | ||
| Q1 24 | $0.39 | $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 | $31.3M | $92.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $304.8M | $672.5M |
| Total Assets | $354.3M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.3M | $92.1M | ||
| Q3 25 | $31.9M | $99.0M | ||
| Q2 25 | $32.6M | $79.6M | ||
| Q1 25 | $72.5M | $51.7M | ||
| Q4 24 | $68.6M | $49.9M | ||
| Q3 24 | $122.6M | $44.1M | ||
| Q2 24 | $123.7M | $47.4M | ||
| Q1 24 | $110.9M | $34.8M |
| Q4 25 | $304.8M | $672.5M | ||
| Q3 25 | $305.4M | $634.3M | ||
| Q2 25 | $301.2M | $597.9M | ||
| Q1 25 | $302.0M | $563.2M | ||
| Q4 24 | $297.7M | $516.9M | ||
| Q3 24 | $358.4M | $484.6M | ||
| Q2 24 | $354.4M | $471.3M | ||
| Q1 24 | $349.8M | $452.9M |
| Q4 25 | $354.3M | $7.4B | ||
| Q3 25 | $361.8M | $7.0B | ||
| Q2 25 | $361.7M | $6.5B | ||
| Q1 25 | $348.9M | $6.0B | ||
| Q4 24 | $346.1M | $5.5B | ||
| Q3 24 | $406.8M | $5.2B | ||
| Q2 24 | $406.2M | $4.9B | ||
| Q1 24 | $399.2M | $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 | $16.4M | $18.2M |
| Free Cash FlowOCF − Capex | $15.7M | $17.9M |
| FCF MarginFCF / Revenue | 15.7% | 34.6% |
| Capex IntensityCapex / Revenue | 0.7% | 0.5% |
| Cash ConversionOCF / Net Profit | 1.52× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $42.5M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.4M | $18.2M | ||
| Q3 25 | $10.5M | $11.5M | ||
| Q2 25 | $8.0M | $7.7M | ||
| Q1 25 | $12.8M | $3.5M | ||
| Q4 24 | $18.2M | $37.8M | ||
| Q3 24 | $11.8M | $-17.6M | ||
| Q2 24 | $23.1M | $11.5M | ||
| Q1 24 | $16.6M | $10.6M |
| Q4 25 | $15.7M | $17.9M | ||
| Q3 25 | $9.0M | $11.4M | ||
| Q2 25 | $6.6M | $7.6M | ||
| Q1 25 | $11.1M | $3.5M | ||
| Q4 24 | $17.5M | $37.5M | ||
| Q3 24 | $10.7M | $-17.6M | ||
| Q2 24 | $20.6M | $11.4M | ||
| Q1 24 | $15.0M | $10.5M |
| Q4 25 | 15.7% | 34.6% | ||
| Q3 25 | 9.2% | 23.2% | ||
| Q2 25 | 6.8% | 15.9% | ||
| Q1 25 | 12.0% | 9.2% | ||
| Q4 24 | 17.6% | 96.4% | ||
| Q3 24 | 10.8% | -50.3% | ||
| Q2 24 | 20.0% | 35.1% | ||
| Q1 24 | 15.3% | 35.8% |
| Q4 25 | 0.7% | 0.5% | ||
| Q3 25 | 1.4% | 0.1% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.8% | 0.2% | ||
| Q4 24 | 0.6% | 0.7% | ||
| Q3 24 | 1.1% | 0.2% | ||
| Q2 24 | 2.4% | 0.3% | ||
| Q1 24 | 1.7% | 0.1% |
| Q4 25 | 1.52× | 0.52× | ||
| Q3 25 | 0.80× | 0.45× | ||
| Q2 25 | 0.81× | 0.29× | ||
| Q1 25 | 1.41× | 0.19× | ||
| Q4 24 | 1.78× | 1.81× | ||
| Q3 24 | 1.15× | -1.11× | ||
| Q2 24 | 2.16× | 0.78× | ||
| Q1 24 | 1.63× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EBF
Segment breakdown not available.
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
