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Side-by-side financial comparison of FITLIFE BRANDS, INC. (FTLF) 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 $25.9M, roughly 2.0× FITLIFE BRANDS, INC.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 6.3%, a 61.0% gap on every dollar of revenue. On growth, FITLIFE BRANDS, INC. posted the faster year-over-year revenue change (72.6% vs 32.8%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $239.0K). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 25.1%).
FitLife Brands, Inc. is a health and wellness firm developing, marketing and distributing premium nutritional supplements, sports nutrition products and weight management solutions. It serves North American fitness enthusiasts, athletes and health-focused consumers via retail and e-commerce channels.
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.
FTLF vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $51.6M |
| Net Profit | $1.6M | $34.8M |
| Gross Margin | 34.5% | — |
| Operating Margin | 8.8% | 97.0% |
| Net Margin | 6.3% | 67.3% |
| Revenue YoY | 72.6% | 32.8% |
| Net Profit YoY | -20.8% | 67.0% |
| EPS (diluted) | $0.16 | $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 | $25.9M | $51.6M | ||
| Q3 25 | $23.5M | $49.1M | ||
| Q2 25 | $16.1M | $47.6M | ||
| Q1 25 | $15.9M | $37.5M | ||
| Q4 24 | $15.0M | $38.9M | ||
| Q3 24 | $16.0M | $35.1M | ||
| Q2 24 | $16.9M | $32.4M | ||
| Q1 24 | $16.5M | $29.5M |
| Q4 25 | $1.6M | $34.8M | ||
| Q3 25 | $921.0K | $25.4M | ||
| Q2 25 | $1.7M | $26.0M | ||
| Q1 25 | $2.0M | $18.9M | ||
| Q4 24 | $2.1M | $20.8M | ||
| Q3 24 | $2.1M | $15.8M | ||
| Q2 24 | $2.6M | $14.8M | ||
| Q1 24 | $2.2M | $17.3M |
| Q4 25 | 34.5% | — | ||
| Q3 25 | 37.2% | — | ||
| Q2 25 | 42.8% | — | ||
| Q1 25 | 43.1% | — | ||
| Q4 24 | 41.4% | — | ||
| Q3 24 | 43.8% | — | ||
| Q2 24 | 44.8% | — | ||
| Q1 24 | 44.0% | — |
| Q4 25 | 8.8% | 97.0% | ||
| Q3 25 | 9.9% | 72.1% | ||
| Q2 25 | 15.6% | 71.3% | ||
| Q1 25 | 18.6% | 71.7% | ||
| Q4 24 | 19.2% | 82.5% | ||
| Q3 24 | 19.9% | 60.6% | ||
| Q2 24 | 21.7% | 61.3% | ||
| Q1 24 | 20.4% | 78.8% |
| Q4 25 | 6.3% | 67.3% | ||
| Q3 25 | 3.9% | 51.7% | ||
| Q2 25 | 10.8% | 54.6% | ||
| Q1 25 | 12.7% | 50.4% | ||
| Q4 24 | 13.8% | 53.5% | ||
| Q3 24 | 13.3% | 45.1% | ||
| Q2 24 | 15.5% | 45.6% | ||
| Q1 24 | 13.1% | 58.5% |
| Q4 25 | $0.16 | $0.90 | ||
| Q3 25 | $0.09 | $0.65 | ||
| Q2 25 | $0.18 | $0.69 | ||
| Q1 25 | $0.20 | $0.51 | ||
| Q4 24 | $0.22 | $0.56 | ||
| Q3 24 | $0.21 | $0.44 | ||
| Q2 24 | $0.27 | $0.42 | ||
| Q1 24 | $0.21 | $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 | — | — |
| Stockholders' EquityBook value | $43.6M | $672.5M |
| Total Assets | $106.3M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
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 | — | $34.8M |
| Q4 25 | — | — | ||
| Q3 25 | $46.5M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $13.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $16.5M | — |
| Q4 25 | $43.6M | $672.5M | ||
| Q3 25 | $41.9M | $634.3M | ||
| Q2 25 | $40.9M | $597.9M | ||
| Q1 25 | $38.9M | $563.2M | ||
| Q4 24 | $36.1M | $516.9M | ||
| Q3 24 | $34.2M | $484.6M | ||
| Q2 24 | $31.9M | $471.3M | ||
| Q1 24 | $29.4M | $452.9M |
| Q4 25 | $106.3M | $7.4B | ||
| Q3 25 | $110.0M | $7.0B | ||
| Q2 25 | $62.8M | $6.5B | ||
| Q1 25 | $62.2M | $6.0B | ||
| Q4 24 | $58.5M | $5.5B | ||
| Q3 24 | $58.6M | $5.2B | ||
| Q2 24 | $57.3M | $4.9B | ||
| Q1 24 | $55.5M | $4.6B |
| Q4 25 | — | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.36× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.56× | — |
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 | $244.0K | $18.2M |
| Free Cash FlowOCF − Capex | $239.0K | $17.9M |
| FCF MarginFCF / Revenue | 0.9% | 34.6% |
| Capex IntensityCapex / Revenue | 0.0% | 0.5% |
| Cash ConversionOCF / Net Profit | 0.15× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $7.4M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $244.0K | $18.2M | ||
| Q3 25 | $3.7M | $11.5M | ||
| Q2 25 | $1.2M | $7.7M | ||
| Q1 25 | $2.3M | $3.5M | ||
| Q4 24 | $957.0K | $37.8M | ||
| Q3 24 | $2.0M | $-17.6M | ||
| Q2 24 | $1.6M | $11.5M | ||
| Q1 24 | $5.0M | $10.6M |
| Q4 25 | $239.0K | $17.9M | ||
| Q3 25 | $3.7M | $11.4M | ||
| Q2 25 | $1.2M | $7.6M | ||
| Q1 25 | $2.3M | $3.5M | ||
| Q4 24 | — | $37.5M | ||
| Q3 24 | — | $-17.6M | ||
| Q2 24 | — | $11.4M | ||
| Q1 24 | $5.0M | $10.5M |
| Q4 25 | 0.9% | 34.6% | ||
| Q3 25 | 15.6% | 23.2% | ||
| Q2 25 | 7.4% | 15.9% | ||
| Q1 25 | 14.5% | 9.2% | ||
| Q4 24 | — | 96.4% | ||
| Q3 24 | — | -50.3% | ||
| Q2 24 | — | 35.1% | ||
| Q1 24 | 30.4% | 35.8% |
| Q4 25 | 0.0% | 0.5% | ||
| Q3 25 | 0.0% | 0.1% | ||
| Q2 25 | 0.0% | 0.2% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 0.0% | 0.7% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | 0.15× | 0.52× | ||
| Q3 25 | 3.99× | 0.45× | ||
| Q2 25 | 0.68× | 0.29× | ||
| Q1 25 | 1.15× | 0.19× | ||
| Q4 24 | 0.46× | 1.81× | ||
| Q3 24 | 0.96× | -1.11× | ||
| Q2 24 | 0.60× | 0.78× | ||
| Q1 24 | 2.33× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FTLF
| US | $24.3M | 94% |
| Other | $1.7M | 6% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
