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Side-by-side financial comparison of Evolv Technologies Holdings, Inc. (EVLV) 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 $38.5M, roughly 1.3× Evolv Technologies Holdings, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 28.3%, a 39.1% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 32.3%). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 31.8%).
Sentient Technologies was an American artificial intelligence technology company based in San Francisco. Sentient was founded in 2007 and received over $143 million in funding at different points after its inception. As of 2016, Sentient was the world's most well-funded AI company. It focused on e-commerce, online content and trading.
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.
EVLV vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $38.5M | $51.6M |
| Net Profit | $10.9M | $34.8M |
| Gross Margin | 48.4% | — |
| Operating Margin | -20.7% | 97.0% |
| Net Margin | 28.3% | 67.3% |
| Revenue YoY | 32.3% | 32.8% |
| Net Profit YoY | 169.2% | 67.0% |
| EPS (diluted) | $0.07 | $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 | $38.5M | $51.6M | ||
| Q3 25 | $42.9M | $49.1M | ||
| Q2 25 | $32.5M | $47.6M | ||
| Q1 25 | $32.0M | $37.5M | ||
| Q4 24 | $29.1M | $38.9M | ||
| Q3 24 | $27.4M | $35.1M | ||
| Q2 24 | $25.2M | $32.4M | ||
| Q1 24 | $22.2M | $29.5M |
| Q4 25 | $10.9M | $34.8M | ||
| Q3 25 | $-1.8M | $25.4M | ||
| Q2 25 | $-40.5M | $26.0M | ||
| Q1 25 | $-1.7M | $18.9M | ||
| Q4 24 | $-15.7M | $20.8M | ||
| Q3 24 | $-30.4M | $15.8M | ||
| Q2 24 | $3.4M | $14.8M | ||
| Q1 24 | $-11.3M | $17.3M |
| Q4 25 | 48.4% | — | ||
| Q3 25 | 49.7% | — | ||
| Q2 25 | 49.8% | — | ||
| Q1 25 | 59.8% | — | ||
| Q4 24 | 57.5% | — | ||
| Q3 24 | 57.8% | — | ||
| Q2 24 | 58.5% | — | ||
| Q1 24 | 54.8% | — |
| Q4 25 | -20.7% | 97.0% | ||
| Q3 25 | -20.1% | 72.1% | ||
| Q2 25 | -53.8% | 71.3% | ||
| Q1 25 | -45.0% | 71.7% | ||
| Q4 24 | -64.9% | 82.5% | ||
| Q3 24 | -70.0% | 60.6% | ||
| Q2 24 | -88.7% | 61.3% | ||
| Q1 24 | -98.8% | 78.8% |
| Q4 25 | 28.3% | 67.3% | ||
| Q3 25 | -4.2% | 51.7% | ||
| Q2 25 | -124.6% | 54.6% | ||
| Q1 25 | -5.3% | 50.4% | ||
| Q4 24 | -54.0% | 53.5% | ||
| Q3 24 | -111.3% | 45.1% | ||
| Q2 24 | 13.6% | 45.6% | ||
| Q1 24 | -50.8% | 58.5% |
| Q4 25 | $0.07 | $0.90 | ||
| Q3 25 | $-0.01 | $0.65 | ||
| Q2 25 | $-0.25 | $0.69 | ||
| Q1 25 | $-0.01 | $0.51 | ||
| Q4 24 | $-0.10 | $0.56 | ||
| Q3 24 | $-0.19 | $0.44 | ||
| Q2 24 | $0.02 | $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 | $49.1M | $92.1M |
| Total DebtLower is stronger | $28.6M | — |
| Stockholders' EquityBook value | $119.4M | $672.5M |
| Total Assets | $304.4M | $7.4B |
| Debt / EquityLower = less leverage | 0.24× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.1M | $92.1M | ||
| Q3 25 | $56.2M | $99.0M | ||
| Q2 25 | $36.9M | $79.6M | ||
| Q1 25 | $35.0M | $51.7M | ||
| Q4 24 | $51.9M | $49.9M | ||
| Q3 24 | $56.0M | $44.1M | ||
| Q2 24 | $56.5M | $47.4M | ||
| Q1 24 | $81.0M | $34.8M |
| Q4 25 | $28.6M | — | ||
| Q3 25 | $28.5M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $119.4M | $672.5M | ||
| Q3 25 | $102.2M | $634.3M | ||
| Q2 25 | $92.7M | $597.9M | ||
| Q1 25 | $121.1M | $563.2M | ||
| Q4 24 | $117.7M | $516.9M | ||
| Q3 24 | $129.0M | $484.6M | ||
| Q2 24 | $151.2M | $471.3M | ||
| Q1 24 | $139.8M | $452.9M |
| Q4 25 | $304.4M | $7.4B | ||
| Q3 25 | $304.3M | $7.0B | ||
| Q2 25 | $280.4M | $6.5B | ||
| Q1 25 | $256.0M | $6.0B | ||
| Q4 24 | $268.1M | $5.5B | ||
| Q3 24 | $278.5M | $5.2B | ||
| Q2 24 | $269.1M | $4.9B | ||
| Q1 24 | $280.0M | $4.6B |
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.28× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $15.6M | $18.2M |
| Free Cash FlowOCF − Capex | — | $17.9M |
| FCF MarginFCF / Revenue | — | 34.6% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | 1.43× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $15.6M | $18.2M | ||
| Q3 25 | $3.5M | $11.5M | ||
| Q2 25 | $2.1M | $7.7M | ||
| Q1 25 | $-2.5M | $3.5M | ||
| Q4 24 | $3.2M | $37.8M | ||
| Q3 24 | $3.7M | $-17.6M | ||
| Q2 24 | $-21.6M | $11.5M | ||
| Q1 24 | $-16.2M | $10.6M |
| Q4 25 | — | $17.9M | ||
| Q3 25 | — | $11.4M | ||
| Q2 25 | — | $7.6M | ||
| Q1 25 | — | $3.5M | ||
| Q4 24 | — | $37.5M | ||
| Q3 24 | — | $-17.6M | ||
| Q2 24 | — | $11.4M | ||
| Q1 24 | — | $10.5M |
| Q4 25 | — | 34.6% | ||
| Q3 25 | — | 23.2% | ||
| Q2 25 | — | 15.9% | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | 96.4% | ||
| Q3 24 | — | -50.3% | ||
| Q2 24 | — | 35.1% | ||
| Q1 24 | — | 35.8% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 1.43× | 0.52× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | — | -1.11× | ||
| Q2 24 | -6.31× | 0.78× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EVLV
Segment breakdown not available.
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
