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Side-by-side financial comparison of Velocity Financial, Inc. (VEL) and WIDEPOINT CORP (WYY). Click either name above to swap in a different company.
Velocity Financial, Inc. is the larger business by last-quarter revenue ($51.6M vs $42.3M, roughly 1.2× WIDEPOINT CORP). Velocity Financial, Inc. runs the higher net margin — 67.3% vs -2.0%, a 69.3% gap on every dollar of revenue. On growth, Velocity Financial, Inc. posted the faster year-over-year revenue change (32.8% vs 12.3%). Velocity Financial, Inc. produced more free cash flow last quarter ($17.9M vs $-270.0K). Over the past eight quarters, Velocity Financial, Inc.'s revenue compounded faster (32.3% CAGR vs 11.2%).
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.
WidePoint Corporation is an American company based in Fairfax, Virginia that provides technology-based products and services to the government sector and commercial markets in the United States. The company holds a patent for a digital parsing tool that allows users to access accounts through a secure repository gateway, established using asymmetric authentication employed as public key infrastructure (PKI). WidePoint provides smart card identity verification, wireless expense management, pen...
VEL vs WYY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $51.6M | $42.3M |
| Net Profit | $34.8M | $-849.4K |
| Gross Margin | — | 13.8% |
| Operating Margin | 97.0% | -1.9% |
| Net Margin | 67.3% | -2.0% |
| Revenue YoY | 32.8% | 12.3% |
| Net Profit YoY | 67.0% | -138.3% |
| EPS (diluted) | $0.90 | $-0.08 |
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 | $51.6M | $42.3M | ||
| Q3 25 | $49.1M | $36.1M | ||
| Q2 25 | $47.6M | $37.9M | ||
| Q1 25 | $37.5M | $34.2M | ||
| Q4 24 | $38.9M | $37.7M | ||
| Q3 24 | $35.1M | $34.6M | ||
| Q2 24 | $32.4M | $36.0M | ||
| Q1 24 | $29.5M | $34.2M |
| Q4 25 | $34.8M | $-849.4K | ||
| Q3 25 | $25.4M | $-559.2K | ||
| Q2 25 | $26.0M | $-618.5K | ||
| Q1 25 | $18.9M | $-724.1K | ||
| Q4 24 | $20.8M | $-356.4K | ||
| Q3 24 | $15.8M | $-425.2K | ||
| Q2 24 | $14.8M | $-499.6K | ||
| Q1 24 | $17.3M | $-653.1K |
| Q4 25 | — | 13.8% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | 13.5% | ||
| Q1 25 | — | 14.0% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 13.6% | ||
| Q1 24 | — | 13.6% |
| Q4 25 | 97.0% | -1.9% | ||
| Q3 25 | 72.1% | -1.3% | ||
| Q2 25 | 71.3% | -1.9% | ||
| Q1 25 | 71.7% | -2.4% | ||
| Q4 24 | 82.5% | -0.8% | ||
| Q3 24 | 60.6% | -1.3% | ||
| Q2 24 | 61.3% | -1.3% | ||
| Q1 24 | 78.8% | -1.9% |
| Q4 25 | 67.3% | -2.0% | ||
| Q3 25 | 51.7% | -1.5% | ||
| Q2 25 | 54.6% | -1.6% | ||
| Q1 25 | 50.4% | -2.1% | ||
| Q4 24 | 53.5% | -0.9% | ||
| Q3 24 | 45.1% | -1.2% | ||
| Q2 24 | 45.6% | -1.4% | ||
| Q1 24 | 58.5% | -1.9% |
| Q4 25 | $0.90 | $-0.08 | ||
| Q3 25 | $0.65 | $-0.06 | ||
| Q2 25 | $0.69 | $-0.06 | ||
| Q1 25 | $0.51 | $-0.08 | ||
| Q4 24 | $0.56 | $-0.05 | ||
| Q3 24 | $0.44 | $-0.04 | ||
| Q2 24 | $0.42 | $-0.05 | ||
| Q1 24 | $0.49 | $-0.07 |
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 | $9.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $672.5M | $11.5M |
| Total Assets | $7.4B | $79.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $92.1M | $9.8M | ||
| Q3 25 | $99.0M | $12.1M | ||
| Q2 25 | $79.6M | $6.8M | ||
| Q1 25 | $51.7M | $3.7M | ||
| Q4 24 | $49.9M | $6.8M | ||
| Q3 24 | $44.1M | — | ||
| Q2 24 | $47.4M | — | ||
| Q1 24 | $34.8M | — |
| Q4 25 | $672.5M | $11.5M | ||
| Q3 25 | $634.3M | $12.2M | ||
| Q2 25 | $597.9M | $12.6M | ||
| Q1 25 | $563.2M | $13.0M | ||
| Q4 24 | $516.9M | $13.6M | ||
| Q3 24 | $484.6M | $13.8M | ||
| Q2 24 | $471.3M | $14.0M | ||
| Q1 24 | $452.9M | $14.2M |
| Q4 25 | $7.4B | $79.8M | ||
| Q3 25 | $7.0B | $70.6M | ||
| Q2 25 | $6.5B | $76.6M | ||
| Q1 25 | $6.0B | $71.4M | ||
| Q4 24 | $5.5B | $71.6M | ||
| Q3 24 | $5.2B | $56.9M | ||
| Q2 24 | $4.9B | $58.6M | ||
| Q1 24 | $4.6B | $54.4M |
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 | $18.2M | $-173.5K |
| Free Cash FlowOCF − Capex | $17.9M | $-270.0K |
| FCF MarginFCF / Revenue | 34.6% | -0.6% |
| Capex IntensityCapex / Revenue | 0.5% | 0.2% |
| Cash ConversionOCF / Net Profit | 0.52× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.3M | $5.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.2M | $-173.5K | ||
| Q3 25 | $11.5M | $5.9M | ||
| Q2 25 | $7.7M | $3.2M | ||
| Q1 25 | $3.5M | $-3.2M | ||
| Q4 24 | $37.8M | $2.4M | ||
| Q3 24 | $-17.6M | $1.9M | ||
| Q2 24 | $11.5M | $-1.1M | ||
| Q1 24 | $10.6M | $-1.6M |
| Q4 25 | $17.9M | $-270.0K | ||
| Q3 25 | $11.4M | $5.9M | ||
| Q2 25 | $7.6M | $3.1M | ||
| Q1 25 | $3.5M | $-3.3M | ||
| Q4 24 | $37.5M | $2.4M | ||
| Q3 24 | $-17.6M | $1.8M | ||
| Q2 24 | $11.4M | $-1.1M | ||
| Q1 24 | $10.5M | $-1.6M |
| Q4 25 | 34.6% | -0.6% | ||
| Q3 25 | 23.2% | 16.4% | ||
| Q2 25 | 15.9% | 8.1% | ||
| Q1 25 | 9.2% | -9.5% | ||
| Q4 24 | 96.4% | 6.4% | ||
| Q3 24 | -50.3% | 5.3% | ||
| Q2 24 | 35.1% | -3.0% | ||
| Q1 24 | 35.8% | -4.6% |
| Q4 25 | 0.5% | 0.2% | ||
| Q3 25 | 0.1% | 0.1% | ||
| Q2 25 | 0.2% | 0.2% | ||
| Q1 25 | 0.2% | 0.1% | ||
| Q4 24 | 0.7% | 0.1% | ||
| Q3 24 | 0.2% | 0.2% | ||
| Q2 24 | 0.3% | 0.0% | ||
| Q1 24 | 0.1% | 0.0% |
| Q4 25 | 0.52× | — | ||
| Q3 25 | 0.45× | — | ||
| Q2 25 | 0.29× | — | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | 1.81× | — | ||
| Q3 24 | -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
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
WYY
| Carrier Services | $26.8M | 63% |
| Managed Services | $15.5M | 37% |
