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Side-by-side financial comparison of Maison Solutions Inc. (MSS) 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 $27.6M, roughly 1.9× Maison Solutions Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs -18.0%, a 85.3% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs -10.9%). Over the past eight quarters, Maison Solutions Inc.'s revenue compounded faster (42.5% CAGR vs 32.3%).
Maison Solutions Inc.MSSEarnings & Financial Report
Maison Solutions Inc. is a specialty home goods retail company that provides a diverse portfolio of stylish, affordably priced furniture, home decor items, and daily household products. Its primary market is the Guangdong-Hong Kong-Macao Greater Bay Area in China, serving mass consumers through both offline physical stores and online 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.
MSS vs VEL — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $27.6M | $51.6M |
| Net Profit | $-5.0M | $34.8M |
| Gross Margin | 23.4% | — |
| Operating Margin | -4.9% | 97.0% |
| Net Margin | -18.0% | 67.3% |
| Revenue YoY | -10.9% | 32.8% |
| Net Profit YoY | -1840.5% | 67.0% |
| EPS (diluted) | $-0.23 | $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 | $27.6M | $51.6M | ||
| Q3 25 | $27.2M | $49.1M | ||
| Q2 25 | $34.4M | $47.6M | ||
| Q1 25 | $32.3M | $37.5M | ||
| Q4 24 | $29.4M | $38.9M | ||
| Q3 24 | $28.2M | $35.1M | ||
| Q2 24 | $16.9M | $32.4M | ||
| Q1 24 | $13.6M | $29.5M |
| Q4 25 | $-5.0M | $34.8M | ||
| Q3 25 | $-1.5M | $25.4M | ||
| Q2 25 | $-287.4K | $26.0M | ||
| Q1 25 | $1.0M | $18.9M | ||
| Q4 24 | $-256.0K | $20.8M | ||
| Q3 24 | $700.9K | $15.8M | ||
| Q2 24 | $-2.8M | $14.8M | ||
| Q1 24 | $-549.0K | $17.3M |
| Q4 25 | 23.4% | — | ||
| Q3 25 | 24.1% | — | ||
| Q2 25 | 9.5% | — | ||
| Q1 25 | 21.8% | — | ||
| Q4 24 | 26.9% | — | ||
| Q3 24 | 28.9% | — | ||
| Q2 24 | 13.0% | — | ||
| Q1 24 | 23.4% | — |
| Q4 25 | -4.9% | 97.0% | ||
| Q3 25 | 0.7% | 72.1% | ||
| Q2 25 | -15.9% | 71.3% | ||
| Q1 25 | 3.7% | 71.7% | ||
| Q4 24 | 3.2% | 82.5% | ||
| Q3 24 | 7.3% | 60.6% | ||
| Q2 24 | -14.4% | 61.3% | ||
| Q1 24 | -2.3% | 78.8% |
| Q4 25 | -18.0% | 67.3% | ||
| Q3 25 | -5.7% | 51.7% | ||
| Q2 25 | -0.8% | 54.6% | ||
| Q1 25 | 3.1% | 50.4% | ||
| Q4 24 | -0.9% | 53.5% | ||
| Q3 24 | 2.5% | 45.1% | ||
| Q2 24 | -16.4% | 45.6% | ||
| Q1 24 | -4.0% | 58.5% |
| Q4 25 | $-0.23 | $0.90 | ||
| Q3 25 | $-0.08 | $0.65 | ||
| Q2 25 | $-0.02 | $0.69 | ||
| Q1 25 | $0.06 | $0.51 | ||
| Q4 24 | $-0.01 | $0.56 | ||
| Q3 24 | $0.04 | $0.44 | ||
| Q2 24 | $-0.16 | $0.42 | ||
| Q1 24 | $-0.03 | $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 | $2.6M | — |
| Stockholders' EquityBook value | $11.6M | $672.5M |
| Total Assets | $75.4M | $7.4B |
| Debt / EquityLower = less leverage | 0.22× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $92.1M | ||
| Q3 25 | $1.1M | $99.0M | ||
| Q2 25 | $775.4K | $79.6M | ||
| Q1 25 | $445.4K | $51.7M | ||
| Q4 24 | $355.7K | $49.9M | ||
| Q3 24 | $588.9K | $44.1M | ||
| Q2 24 | $2.1M | $47.4M | ||
| Q1 24 | $9.4M | $34.8M |
| Q4 25 | $2.6M | — | ||
| Q3 25 | $2.6M | — | ||
| Q2 25 | $2.6M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.5M | — | ||
| Q2 24 | $2.6M | — | ||
| Q1 24 | $2.6M | — |
| Q4 25 | $11.6M | $672.5M | ||
| Q3 25 | $10.1M | $634.3M | ||
| Q2 25 | $11.7M | $597.9M | ||
| Q1 25 | $12.0M | $563.2M | ||
| Q4 24 | $10.9M | $516.9M | ||
| Q3 24 | $11.2M | $484.6M | ||
| Q2 24 | $10.5M | $471.3M | ||
| Q1 24 | $13.3M | $452.9M |
| Q4 25 | $75.4M | $7.4B | ||
| Q3 25 | $73.3M | $7.0B | ||
| Q2 25 | $77.4M | $6.5B | ||
| Q1 25 | $82.7M | $6.0B | ||
| Q4 24 | $82.7M | $5.5B | ||
| Q3 24 | $82.1M | $5.2B | ||
| Q2 24 | $82.4M | $4.9B | ||
| Q1 24 | $44.2M | $4.6B |
| Q4 25 | 0.22× | — | ||
| Q3 25 | 0.26× | — | ||
| Q2 25 | 0.22× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.23× | — | ||
| Q2 24 | 0.24× | — | ||
| Q1 24 | 0.19× | — |
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 | $-1.7M | $18.2M |
| Free Cash FlowOCF − Capex | — | $17.9M |
| FCF MarginFCF / Revenue | — | 34.6% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | — | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.7M | $18.2M | ||
| Q3 25 | $1.1M | $11.5M | ||
| Q2 25 | $-1.6M | $7.7M | ||
| Q1 25 | $1.7M | $3.5M | ||
| Q4 24 | $1.1M | $37.8M | ||
| Q3 24 | $3.6M | $-17.6M | ||
| Q2 24 | $-2.6M | $11.5M | ||
| Q1 24 | $-1.4M | $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 | — | 0.52× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | 1.66× | 0.19× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 5.12× | -1.11× | ||
| Q2 24 | — | 0.78× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MSS
| Perishables | $14.4M | 52% |
| Nonperishables | $13.2M | 48% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
