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Side-by-side financial comparison of TWIN DISC INC (TWIN) and Velocity Financial, Inc. (VEL). Click either name above to swap in a different company.
TWIN DISC INC is the larger business by last-quarter revenue ($90.2M vs $51.6M, roughly 1.7× Velocity Financial, Inc.). Velocity Financial, Inc. runs the higher net margin — 67.3% vs 24.8%, a 42.5% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 0.3%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $1.2M). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 10.3%).
Twin Disc, Inc. designs, manufactures, and distributes power transmission equipment for a wide range of applications, including marine, off-road vehicle, and industrial. The company was founded in 1918 to manufacture clutches for farm tractors. It is now a worldwide company with subsidiaries or sales offices in Asia, Europe, North America, Oceania, and South America.
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.
TWIN vs VEL — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $90.2M | $51.6M |
| Net Profit | $22.4M | $34.8M |
| Gross Margin | 24.8% | — |
| Operating Margin | 2.3% | 97.0% |
| Net Margin | 24.8% | 67.3% |
| Revenue YoY | 0.3% | 32.8% |
| Net Profit YoY | 2334.3% | 67.0% |
| EPS (diluted) | $1.55 | $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 | $90.2M | $51.6M | ||
| Q3 25 | $80.0M | $49.1M | ||
| Q2 25 | $96.7M | $47.6M | ||
| Q1 25 | $81.2M | $37.5M | ||
| Q4 24 | $89.9M | $38.9M | ||
| Q3 24 | $72.9M | $35.1M | ||
| Q2 24 | $84.4M | $32.4M | ||
| Q1 24 | $74.2M | $29.5M |
| Q4 25 | $22.4M | $34.8M | ||
| Q3 25 | $-518.0K | $25.4M | ||
| Q2 25 | $1.4M | $26.0M | ||
| Q1 25 | $-1.5M | $18.9M | ||
| Q4 24 | $919.0K | $20.8M | ||
| Q3 24 | $-2.8M | $15.8M | ||
| Q2 24 | $7.4M | $14.8M | ||
| Q1 24 | $3.8M | $17.3M |
| Q4 25 | 24.8% | — | ||
| Q3 25 | 28.7% | — | ||
| Q2 25 | 31.0% | — | ||
| Q1 25 | 26.7% | — | ||
| Q4 24 | 24.1% | — | ||
| Q3 24 | 26.5% | — | ||
| Q2 24 | 29.7% | — | ||
| Q1 24 | 28.2% | — |
| Q4 25 | 2.3% | 97.0% | ||
| Q3 25 | 2.8% | 72.1% | ||
| Q2 25 | 5.5% | 71.3% | ||
| Q1 25 | 2.4% | 71.7% | ||
| Q4 24 | 3.1% | 82.5% | ||
| Q3 24 | -0.2% | 60.6% | ||
| Q2 24 | 5.6% | 61.3% | ||
| Q1 24 | 4.9% | 78.8% |
| Q4 25 | 24.8% | 67.3% | ||
| Q3 25 | -0.6% | 51.7% | ||
| Q2 25 | 1.5% | 54.6% | ||
| Q1 25 | -1.8% | 50.4% | ||
| Q4 24 | 1.0% | 53.5% | ||
| Q3 24 | -3.8% | 45.1% | ||
| Q2 24 | 8.8% | 45.6% | ||
| Q1 24 | 5.2% | 58.5% |
| Q4 25 | $1.55 | $0.90 | ||
| Q3 25 | $-0.04 | $0.65 | ||
| Q2 25 | $0.10 | $0.69 | ||
| Q1 25 | $-0.11 | $0.51 | ||
| Q4 24 | $0.07 | $0.56 | ||
| Q3 24 | $-0.20 | $0.44 | ||
| Q2 24 | $0.54 | $0.42 | ||
| Q1 24 | $0.27 | $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 | $44.5M | — |
| Stockholders' EquityBook value | $184.5M | $672.5M |
| Total Assets | $384.0M | $7.4B |
| Debt / EquityLower = less leverage | 0.24× | — |
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 | $44.5M | — | ||
| Q3 25 | $43.7M | — | ||
| Q2 25 | $31.4M | — | ||
| Q1 25 | $40.8M | — | ||
| Q4 24 | $24.9M | — | ||
| Q3 24 | $29.8M | — | ||
| Q2 24 | $25.8M | — | ||
| Q1 24 | $17.0M | — |
| Q4 25 | $184.5M | $672.5M | ||
| Q3 25 | $160.3M | $634.3M | ||
| Q2 25 | $164.0M | $597.9M | ||
| Q1 25 | $149.5M | $563.2M | ||
| Q4 24 | $147.0M | $516.9M | ||
| Q3 24 | $157.5M | $484.6M | ||
| Q2 24 | $154.7M | $471.3M | ||
| Q1 24 | $146.3M | $452.9M |
| Q4 25 | $384.0M | $7.4B | ||
| Q3 25 | $363.5M | $7.0B | ||
| Q2 25 | $355.6M | $6.5B | ||
| Q1 25 | $332.9M | $6.0B | ||
| Q4 24 | $307.4M | $5.5B | ||
| Q3 24 | $323.5M | $5.2B | ||
| Q2 24 | $312.1M | $4.9B | ||
| Q1 24 | $288.8M | $4.6B |
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.27× | — | ||
| Q2 25 | 0.19× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.17× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.12× | — |
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 | $4.6M | $18.2M |
| Free Cash FlowOCF − Capex | $1.2M | $17.9M |
| FCF MarginFCF / Revenue | 1.4% | 34.6% |
| Capex IntensityCapex / Revenue | 3.7% | 0.5% |
| Cash ConversionOCF / Net Profit | 0.20× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $-70.0K | $40.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.6M | $18.2M | ||
| Q3 25 | $-7.5M | $11.5M | ||
| Q2 25 | $16.4M | $7.7M | ||
| Q1 25 | $3.2M | $3.5M | ||
| Q4 24 | $8.7M | $37.8M | ||
| Q3 24 | $-4.3M | $-17.6M | ||
| Q2 24 | $11.4M | $11.5M | ||
| Q1 24 | $6.2M | $10.6M |
| Q4 25 | $1.2M | $17.9M | ||
| Q3 25 | $-11.0M | $11.4M | ||
| Q2 25 | $8.7M | $7.6M | ||
| Q1 25 | $906.0K | $3.5M | ||
| Q4 24 | $5.9M | $37.5M | ||
| Q3 24 | $-6.7M | $-17.6M | ||
| Q2 24 | $10.3M | $11.4M | ||
| Q1 24 | $4.0M | $10.5M |
| Q4 25 | 1.4% | 34.6% | ||
| Q3 25 | -13.7% | 23.2% | ||
| Q2 25 | 9.0% | 15.9% | ||
| Q1 25 | 1.1% | 9.2% | ||
| Q4 24 | 6.5% | 96.4% | ||
| Q3 24 | -9.2% | -50.3% | ||
| Q2 24 | 12.2% | 35.1% | ||
| Q1 24 | 5.5% | 35.8% |
| Q4 25 | 3.7% | 0.5% | ||
| Q3 25 | 4.3% | 0.1% | ||
| Q2 25 | 8.0% | 0.2% | ||
| Q1 25 | 2.8% | 0.2% | ||
| Q4 24 | 3.1% | 0.7% | ||
| Q3 24 | 3.2% | 0.2% | ||
| Q2 24 | 1.3% | 0.3% | ||
| Q1 24 | 2.9% | 0.1% |
| Q4 25 | 0.20× | 0.52× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | 11.55× | 0.29× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | 9.42× | 1.81× | ||
| Q3 24 | — | -1.11× | ||
| Q2 24 | 1.54× | 0.78× | ||
| Q1 24 | 1.63× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TWIN
Segment breakdown not available.
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
