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Side-by-side financial comparison of Information Services Group Inc. (III) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
Information Services Group Inc. is the larger business by last-quarter revenue ($61.2M vs $51.6M, roughly 1.2× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 4.3%, a 63.1% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 5.9%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $4.3M). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs -2.4%).
EBSCO Information Services, headquartered in Ipswich, Massachusetts, is a division of EBSCO Industries Inc., a private company headquartered in Birmingham, Alabama. EBSCO provides products and services to libraries of many types around the world. Its products include EBSCONET, a complete e-resource management system, and EBSCOhost, which supplies a fee-based online research service with 375 full-text databases, a collection of 600,000-plus ebooks, subject indexes, point-of-care medical refere...
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.
III vs VEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $61.2M | $51.6M |
| Net Profit | $2.6M | $34.8M |
| Gross Margin | 44.8% | — |
| Operating Margin | 8.4% | 97.0% |
| Net Margin | 4.3% | 67.3% |
| Revenue YoY | 5.9% | 32.8% |
| Net Profit YoY | -14.1% | 67.0% |
| EPS (diluted) | $0.06 | $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 | $61.2M | $51.6M | ||
| Q3 25 | $62.4M | $49.1M | ||
| Q2 25 | $61.6M | $47.6M | ||
| Q1 25 | $59.6M | $37.5M | ||
| Q4 24 | $57.8M | $38.9M | ||
| Q3 24 | $61.3M | $35.1M | ||
| Q2 24 | $64.3M | $32.4M | ||
| Q1 24 | $64.3M | $29.5M |
| Q4 25 | $2.6M | $34.8M | ||
| Q3 25 | $3.1M | $25.4M | ||
| Q2 25 | $2.2M | $26.0M | ||
| Q1 25 | $1.5M | $18.9M | ||
| Q4 24 | $3.0M | $20.8M | ||
| Q3 24 | $1.1M | $15.8M | ||
| Q2 24 | $2.0M | $14.8M | ||
| Q1 24 | $-3.4M | $17.3M |
| Q4 25 | 44.8% | — | ||
| Q3 25 | 42.2% | — | ||
| Q2 25 | 42.2% | — | ||
| Q1 25 | 43.1% | — | ||
| Q4 24 | 41.5% | — | ||
| Q3 24 | 40.4% | — | ||
| Q2 24 | 39.5% | — | ||
| Q1 24 | 36.1% | — |
| Q4 25 | 8.4% | 97.0% | ||
| Q3 25 | 7.4% | 72.1% | ||
| Q2 25 | 7.6% | 71.3% | ||
| Q1 25 | 5.7% | 71.7% | ||
| Q4 24 | 0.3% | 82.5% | ||
| Q3 24 | 7.0% | 60.6% | ||
| Q2 24 | 5.7% | 61.3% | ||
| Q1 24 | -3.7% | 78.8% |
| Q4 25 | 4.3% | 67.3% | ||
| Q3 25 | 4.9% | 51.7% | ||
| Q2 25 | 3.5% | 54.6% | ||
| Q1 25 | 2.5% | 50.4% | ||
| Q4 24 | 5.3% | 53.5% | ||
| Q3 24 | 1.9% | 45.1% | ||
| Q2 24 | 3.2% | 45.6% | ||
| Q1 24 | -5.3% | 58.5% |
| Q4 25 | $0.06 | $0.90 | ||
| Q3 25 | $0.06 | $0.65 | ||
| Q2 25 | $0.04 | $0.69 | ||
| Q1 25 | $0.03 | $0.51 | ||
| Q4 24 | $0.07 | $0.56 | ||
| Q3 24 | $0.02 | $0.44 | ||
| Q2 24 | $0.04 | $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 | $28.7M | $92.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $94.7M | $672.5M |
| Total Assets | $211.0M | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.7M | $92.1M | ||
| Q3 25 | $28.7M | $99.0M | ||
| Q2 25 | $25.2M | $79.6M | ||
| Q1 25 | $20.1M | $51.7M | ||
| Q4 24 | $23.1M | $49.9M | ||
| Q3 24 | $9.7M | $44.1M | ||
| Q2 24 | $11.8M | $47.4M | ||
| Q1 24 | $14.0M | $34.8M |
| Q4 25 | $94.7M | $672.5M | ||
| Q3 25 | $94.7M | $634.3M | ||
| Q2 25 | $94.1M | $597.9M | ||
| Q1 25 | $95.0M | $563.2M | ||
| Q4 24 | $96.3M | $516.9M | ||
| Q3 24 | $96.6M | $484.6M | ||
| Q2 24 | $95.5M | $471.3M | ||
| Q1 24 | $95.6M | $452.9M |
| Q4 25 | $211.0M | $7.4B | ||
| Q3 25 | $213.3M | $7.0B | ||
| Q2 25 | $200.7M | $6.5B | ||
| Q1 25 | $202.4M | $6.0B | ||
| Q4 24 | $204.5M | $5.5B | ||
| Q3 24 | $227.1M | $5.2B | ||
| Q2 24 | $235.3M | $4.9B | ||
| Q1 24 | $234.2M | $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 | $5.1M | $18.2M |
| Free Cash FlowOCF − Capex | $4.3M | $17.9M |
| FCF MarginFCF / Revenue | 7.0% | 34.6% |
| Capex IntensityCapex / Revenue | 1.2% | 0.5% |
| Cash ConversionOCF / Net Profit | 1.94× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $25.0M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.1M | $18.2M | ||
| Q3 25 | $11.1M | $11.5M | ||
| Q2 25 | $11.9M | $7.7M | ||
| Q1 25 | $978.0K | $3.5M | ||
| Q4 24 | $6.6M | $37.8M | ||
| Q3 24 | $8.8M | $-17.6M | ||
| Q2 24 | $2.2M | $11.5M | ||
| Q1 24 | $2.3M | $10.6M |
| Q4 25 | $4.3M | $17.9M | ||
| Q3 25 | $9.5M | $11.4M | ||
| Q2 25 | $11.1M | $7.6M | ||
| Q1 25 | $141.0K | $3.5M | ||
| Q4 24 | $6.0M | $37.5M | ||
| Q3 24 | $8.4M | $-17.6M | ||
| Q2 24 | $1.3M | $11.4M | ||
| Q1 24 | $1.3M | $10.5M |
| Q4 25 | 7.0% | 34.6% | ||
| Q3 25 | 15.2% | 23.2% | ||
| Q2 25 | 18.0% | 15.9% | ||
| Q1 25 | 0.2% | 9.2% | ||
| Q4 24 | 10.4% | 96.4% | ||
| Q3 24 | 13.7% | -50.3% | ||
| Q2 24 | 2.0% | 35.1% | ||
| Q1 24 | 2.0% | 35.8% |
| Q4 25 | 1.2% | 0.5% | ||
| Q3 25 | 2.5% | 0.1% | ||
| Q2 25 | 1.4% | 0.2% | ||
| Q1 25 | 1.4% | 0.2% | ||
| Q4 24 | 0.9% | 0.7% | ||
| Q3 24 | 0.6% | 0.2% | ||
| Q2 24 | 1.4% | 0.3% | ||
| Q1 24 | 1.6% | 0.1% |
| Q4 25 | 1.94× | 0.52× | ||
| Q3 25 | 3.62× | 0.45× | ||
| Q2 25 | 5.46× | 0.29× | ||
| Q1 25 | 0.66× | 0.19× | ||
| Q4 24 | 2.15× | 1.81× | ||
| Q3 24 | 7.66× | -1.11× | ||
| Q2 24 | 1.07× | 0.78× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
III
Segment breakdown not available.
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
