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Side-by-side financial comparison of REGIS CORP (RGS) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $51.6M, roughly 1.1× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 0.8%, a 66.5% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 22.3%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $891.0K). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 7.8%).
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
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.
RGS vs VEL — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $57.1M | $51.6M |
| Net Profit | $456.0K | $34.8M |
| Gross Margin | — | — |
| Operating Margin | 10.8% | 97.0% |
| Net Margin | 0.8% | 67.3% |
| Revenue YoY | 22.3% | 32.8% |
| Net Profit YoY | -94.0% | 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 | $57.1M | $51.6M | ||
| Q3 25 | $59.0M | $49.1M | ||
| Q2 25 | $60.4M | $47.6M | ||
| Q1 25 | $57.0M | $37.5M | ||
| Q4 24 | $46.7M | $38.9M | ||
| Q3 24 | $46.1M | $35.1M | ||
| Q2 24 | $49.4M | $32.4M | ||
| Q1 24 | $49.2M | $29.5M |
| Q4 25 | $456.0K | $34.8M | ||
| Q3 25 | $1.4M | $25.4M | ||
| Q2 25 | $116.5M | $26.0M | ||
| Q1 25 | $250.0K | $18.9M | ||
| Q4 24 | $7.6M | $20.8M | ||
| Q3 24 | $-853.0K | $15.8M | ||
| Q2 24 | $91.2M | $14.8M | ||
| Q1 24 | $-2.3M | $17.3M |
| Q4 25 | 10.8% | 97.0% | ||
| Q3 25 | 10.0% | 72.1% | ||
| Q2 25 | 12.1% | 71.3% | ||
| Q1 25 | 8.8% | 71.7% | ||
| Q4 24 | 11.8% | 82.5% | ||
| Q3 24 | 4.6% | 60.6% | ||
| Q2 24 | — | 61.3% | ||
| Q1 24 | 8.3% | 78.8% |
| Q4 25 | 0.8% | 67.3% | ||
| Q3 25 | 2.3% | 51.7% | ||
| Q2 25 | 192.9% | 54.6% | ||
| Q1 25 | 0.4% | 50.4% | ||
| Q4 24 | 16.4% | 53.5% | ||
| Q3 24 | -1.9% | 45.1% | ||
| Q2 24 | 184.7% | 45.6% | ||
| Q1 24 | -4.7% | 58.5% |
| Q4 25 | $0.16 | $0.90 | ||
| Q3 25 | $0.49 | $0.65 | ||
| Q2 25 | $43.67 | $0.69 | ||
| Q1 25 | $0.08 | $0.51 | ||
| Q4 24 | $2.71 | $0.56 | ||
| Q3 24 | $-0.36 | $0.44 | ||
| Q2 24 | $38.40 | $0.42 | ||
| Q1 24 | $-1.00 | $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 | $18.4M | $92.1M |
| Total DebtLower is stronger | $113.3M | — |
| Stockholders' EquityBook value | $188.7M | $672.5M |
| Total Assets | $588.3M | $7.4B |
| Debt / EquityLower = less leverage | 0.60× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.4M | $92.1M | ||
| Q3 25 | $16.6M | $99.0M | ||
| Q2 25 | $17.0M | $79.6M | ||
| Q1 25 | $13.3M | $51.7M | ||
| Q4 24 | $10.2M | $49.9M | ||
| Q3 24 | $6.3M | $44.1M | ||
| Q2 24 | $10.1M | $47.4M | ||
| Q1 24 | $5.9M | $34.8M |
| Q4 25 | $113.3M | — | ||
| Q3 25 | $111.3M | — | ||
| Q2 25 | $110.8M | — | ||
| Q1 25 | $112.0M | — | ||
| Q4 24 | $111.5M | — | ||
| Q3 24 | $95.2M | — | ||
| Q2 24 | $99.5M | — | ||
| Q1 24 | $179.7M | — |
| Q4 25 | $188.7M | $672.5M | ||
| Q3 25 | $187.6M | $634.3M | ||
| Q2 25 | $185.6M | $597.9M | ||
| Q1 25 | $68.6M | $563.2M | ||
| Q4 24 | $66.7M | $516.9M | ||
| Q3 24 | $56.4M | $484.6M | ||
| Q2 24 | $56.8M | $471.3M | ||
| Q1 24 | $-35.8M | $452.9M |
| Q4 25 | $588.3M | $7.4B | ||
| Q3 25 | $592.1M | $7.0B | ||
| Q2 25 | $599.0M | $6.5B | ||
| Q1 25 | $511.2M | $6.0B | ||
| Q4 24 | $530.1M | $5.5B | ||
| Q3 24 | $508.9M | $5.2B | ||
| Q2 24 | $530.5M | $4.9B | ||
| Q1 24 | $543.7M | $4.6B |
| Q4 25 | 0.60× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.60× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 1.67× | — | ||
| Q3 24 | 1.69× | — | ||
| Q2 24 | 1.75× | — | ||
| 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 | $1.7M | $18.2M |
| Free Cash FlowOCF − Capex | $891.0K | $17.9M |
| FCF MarginFCF / Revenue | 1.6% | 34.6% |
| Capex IntensityCapex / Revenue | 1.4% | 0.5% |
| Cash ConversionOCF / Net Profit | 3.65× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $14.9M | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $18.2M | ||
| Q3 25 | $2.3M | $11.5M | ||
| Q2 25 | $6.8M | $7.7M | ||
| Q1 25 | $6.2M | $3.5M | ||
| Q4 24 | $2.1M | $37.8M | ||
| Q3 24 | $-1.3M | $-17.6M | ||
| Q2 24 | $5.1M | $11.5M | ||
| Q1 24 | $-277.0K | $10.6M |
| Q4 25 | $891.0K | $17.9M | ||
| Q3 25 | $1.9M | $11.4M | ||
| Q2 25 | $6.2M | $7.6M | ||
| Q1 25 | $5.9M | $3.5M | ||
| Q4 24 | $1.7M | $37.5M | ||
| Q3 24 | $-1.4M | $-17.6M | ||
| Q2 24 | $5.1M | $11.4M | ||
| Q1 24 | $-326.0K | $10.5M |
| Q4 25 | 1.6% | 34.6% | ||
| Q3 25 | 3.2% | 23.2% | ||
| Q2 25 | 10.3% | 15.9% | ||
| Q1 25 | 10.3% | 9.2% | ||
| Q4 24 | 3.6% | 96.4% | ||
| Q3 24 | -3.0% | -50.3% | ||
| Q2 24 | 10.3% | 35.1% | ||
| Q1 24 | -0.7% | 35.8% |
| Q4 25 | 1.4% | 0.5% | ||
| Q3 25 | 0.7% | 0.1% | ||
| Q2 25 | 0.9% | 0.2% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 0.9% | 0.7% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | 3.65× | 0.52× | ||
| Q3 25 | 1.68× | 0.45× | ||
| Q2 25 | 0.06× | 0.29× | ||
| Q1 25 | 24.80× | 0.19× | ||
| Q4 24 | 0.28× | 1.81× | ||
| Q3 24 | — | -1.11× | ||
| Q2 24 | 0.06× | 0.78× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
