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Side-by-side financial comparison of Envela Corp (ELA) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
Envela Corp is the larger business by last-quarter revenue ($80.5M vs $51.6M, roughly 1.6× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 7.4%, a 59.9% gap on every dollar of revenue. On growth, Envela Corp posted the faster year-over-year revenue change (66.6% vs 32.8%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $-3.7M). Over the past eight quarters, Envela Corp's revenue compounded faster (42.1% CAGR vs 32.3%).
Envela Corporation is a U.S.-based company that provides recommerce services aimed at extending product lifecycles and reducing resource consumption. The company operates through two primary segments: consumer and commercial.
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.
ELA vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $80.5M | $51.6M |
| Net Profit | $6.0M | $34.8M |
| Gross Margin | 20.5% | — |
| Operating Margin | 9.4% | 97.0% |
| Net Margin | 7.4% | 67.3% |
| Revenue YoY | 66.6% | 32.8% |
| Net Profit YoY | 274.6% | 67.0% |
| EPS (diluted) | $0.22 | $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 | $80.5M | $51.6M | ||
| Q3 25 | $57.4M | $49.1M | ||
| Q2 25 | $54.9M | $47.6M | ||
| Q1 25 | $48.3M | $37.5M | ||
| Q4 24 | $48.3M | $38.9M | ||
| Q3 24 | $46.9M | $35.1M | ||
| Q2 24 | $45.3M | $32.4M | ||
| Q1 24 | $39.9M | $29.5M |
| Q4 25 | $6.0M | $34.8M | ||
| Q3 25 | $3.4M | $25.4M | ||
| Q2 25 | $2.8M | $26.0M | ||
| Q1 25 | $2.5M | $18.9M | ||
| Q4 24 | $1.6M | $20.8M | ||
| Q3 24 | $1.7M | $15.8M | ||
| Q2 24 | $1.6M | $14.8M | ||
| Q1 24 | $1.9M | $17.3M |
| Q4 25 | 20.5% | — | ||
| Q3 25 | 22.8% | — | ||
| Q2 25 | 22.6% | — | ||
| Q1 25 | 24.8% | — | ||
| Q4 24 | 23.1% | — | ||
| Q3 24 | 24.4% | — | ||
| Q2 24 | 25.1% | — | ||
| Q1 24 | 25.9% | — |
| Q4 25 | 9.4% | 97.0% | ||
| Q3 25 | 7.3% | 72.1% | ||
| Q2 25 | 5.9% | 71.3% | ||
| Q1 25 | 6.5% | 71.7% | ||
| Q4 24 | 3.9% | 82.5% | ||
| Q3 24 | 4.3% | 60.6% | ||
| Q2 24 | 4.2% | 61.3% | ||
| Q1 24 | 5.9% | 78.8% |
| Q4 25 | 7.4% | 67.3% | ||
| Q3 25 | 5.8% | 51.7% | ||
| Q2 25 | 5.0% | 54.6% | ||
| Q1 25 | 5.2% | 50.4% | ||
| Q4 24 | 3.3% | 53.5% | ||
| Q3 24 | 3.6% | 45.1% | ||
| Q2 24 | 3.5% | 45.6% | ||
| Q1 24 | 4.8% | 58.5% |
| Q4 25 | $0.22 | $0.90 | ||
| Q3 25 | $0.13 | $0.65 | ||
| Q2 25 | $0.11 | $0.69 | ||
| Q1 25 | $0.10 | $0.51 | ||
| Q4 24 | $0.07 | $0.56 | ||
| Q3 24 | $0.06 | $0.44 | ||
| Q2 24 | $0.06 | $0.42 | ||
| Q1 24 | $0.07 | $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 | — | $92.1M |
| Total DebtLower is stronger | $9.9M | — |
| Stockholders' EquityBook value | $67.1M | $672.5M |
| Total Assets | $96.0M | $7.4B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $92.1M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $79.6M | ||
| Q1 25 | — | $51.7M | ||
| Q4 24 | — | $49.9M | ||
| Q3 24 | — | $44.1M | ||
| Q2 24 | — | $47.4M | ||
| Q1 24 | $19.8M | $34.8M |
| Q4 25 | $9.9M | — | ||
| Q3 25 | $12.5M | — | ||
| Q2 25 | $13.0M | — | ||
| Q1 25 | $13.2M | — | ||
| Q4 24 | $13.5M | — | ||
| Q3 24 | $13.8M | — | ||
| Q2 24 | $14.3M | — | ||
| Q1 24 | $14.6M | — |
| Q4 25 | $67.1M | $672.5M | ||
| Q3 25 | $61.1M | $634.3M | ||
| Q2 25 | $57.8M | $597.9M | ||
| Q1 25 | $55.1M | $563.2M | ||
| Q4 24 | $52.7M | $516.9M | ||
| Q3 24 | $51.1M | $484.6M | ||
| Q2 24 | $50.2M | $471.3M | ||
| Q1 24 | $49.3M | $452.9M |
| Q4 25 | $96.0M | $7.4B | ||
| Q3 25 | $90.9M | $7.0B | ||
| Q2 25 | $82.7M | $6.5B | ||
| Q1 25 | $79.7M | $6.0B | ||
| Q4 24 | $77.9M | $5.5B | ||
| Q3 24 | $77.4M | $5.2B | ||
| Q2 24 | $73.8M | $4.9B | ||
| Q1 24 | $74.7M | $4.6B |
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.20× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.26× | — | ||
| Q3 24 | 0.27× | — | ||
| Q2 24 | 0.29× | — | ||
| Q1 24 | 0.30× | — |
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 | $-3.5M | $18.2M |
| Free Cash FlowOCF − Capex | $-3.7M | $17.9M |
| FCF MarginFCF / Revenue | -4.6% | 34.6% |
| Capex IntensityCapex / Revenue | 0.2% | 0.5% |
| Cash ConversionOCF / Net Profit | -0.59× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $1.4M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-3.5M | $18.2M | ||
| Q3 25 | $2.4M | $11.5M | ||
| Q2 25 | $2.6M | $7.7M | ||
| Q1 25 | $1.1M | $3.5M | ||
| Q4 24 | $3.7M | $37.8M | ||
| Q3 24 | $3.4M | $-17.6M | ||
| Q2 24 | $-789.5K | $11.5M | ||
| Q1 24 | $3.8M | $10.6M |
| Q4 25 | $-3.7M | $17.9M | ||
| Q3 25 | $2.2M | $11.4M | ||
| Q2 25 | $2.1M | $7.6M | ||
| Q1 25 | $746.6K | $3.5M | ||
| Q4 24 | $3.2M | $37.5M | ||
| Q3 24 | $1.5M | $-17.6M | ||
| Q2 24 | $-1.3M | $11.4M | ||
| Q1 24 | $3.3M | $10.5M |
| Q4 25 | -4.6% | 34.6% | ||
| Q3 25 | 3.8% | 23.2% | ||
| Q2 25 | 3.9% | 15.9% | ||
| Q1 25 | 1.5% | 9.2% | ||
| Q4 24 | 6.7% | 96.4% | ||
| Q3 24 | 3.1% | -50.3% | ||
| Q2 24 | -2.9% | 35.1% | ||
| Q1 24 | 8.4% | 35.8% |
| Q4 25 | 0.2% | 0.5% | ||
| Q3 25 | 0.4% | 0.1% | ||
| Q2 25 | 0.8% | 0.2% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 1.0% | 0.7% | ||
| Q3 24 | 4.2% | 0.2% | ||
| Q2 24 | 1.1% | 0.3% | ||
| Q1 24 | 1.1% | 0.1% |
| Q4 25 | -0.59× | 0.52× | ||
| Q3 25 | 0.72× | 0.45× | ||
| Q2 25 | 0.94× | 0.29× | ||
| Q1 25 | 0.45× | 0.19× | ||
| Q4 24 | 2.34× | 1.81× | ||
| Q3 24 | 2.05× | -1.11× | ||
| Q2 24 | -0.50× | 0.78× | ||
| Q1 24 | 1.99× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ELA
| Consumer Segment | $67.7M | 84% |
| Commercial Segment | $12.8M | 16% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
