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TSS, Inc.（TSSI）とVelocity Financial, Inc.（VEL）の財務データ比較。上の社名をクリックして会社を切り替えられます
TSS, Inc.の直近四半期売上が大きい（$60.9M vs $51.6M、Velocity Financial, Inc.の約1.2倍）。Velocity Financial, Inc.の純利益率が高く（67.3% vs 20.0%、差は47.4%）。Velocity Financial, Inc.の前年同期比売上増加率が高い（32.8% vs 21.8%）。Velocity Financial, Inc.の直近四半期フリーキャッシュフローが多い（$17.9M vs $15.8M）。過去8四半期でTSS, Inc.の売上複合成長率が高い（95.8% vs 32.3%）
Velocity Financial, Inc.は米国に本社を置く不動産金融企業で、主に住宅投資物件向けの専門的なモーゲージローンソリューションを提供しています。米国全土の独立系モーゲージブローカーと提携し、不動産投資家のニーズに合わせた短期ブリッジローンや長期賃貸物件向け融資商品を提供しています。
TSSI vs VEL — 直接比較
売上が大きい
TSSI
1.2倍大きい
$51.6M
売上成長率が高い
VEL
+11.1%の差
21.8%
純利益率が高い
VEL
純利益率が47.4%高い
20.0%
フリーキャッシュフローが多い
VEL
FCF $2.1M多い
$15.8M
2年売上CAGRが高い
TSSI
2年複合成長率
32.3%
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $60.9M | $51.6M |
| 純利益 | $12.2M | $34.8M |
| 粗利率 | 17.6% | — |
| 営業利益率 | 1.5% | 97.0% |
| 純利益率 | 20.0% | 67.3% |
| 売上前年比 | 21.8% | 32.8% |
| 純利益前年比 | 535.7% | 67.0% |
| EPS（希薄化後） | $0.44 | $0.90 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
売上TSSIVEL
| Q4 25 | $60.9M | $51.6M | ||
| Q3 25 | $41.9M | $49.1M | ||
| Q2 25 | $44.0M | $47.6M | ||
| Q1 25 | $99.0M | $37.5M | ||
| Q4 24 | $50.0M | $38.9M | ||
| Q3 24 | $70.1M | $35.1M | ||
| Q2 24 | $12.2M | $32.4M | ||
| Q1 24 | $15.9M | $29.5M |
純利益TSSIVEL
| Q4 25 | $12.2M | $34.8M | ||
| Q3 25 | $-1.5M | $25.4M | ||
| Q2 25 | $1.5M | $26.0M | ||
| Q1 25 | $3.0M | $18.9M | ||
| Q4 24 | $1.9M | $20.8M | ||
| Q3 24 | $2.6M | $15.8M | ||
| Q2 24 | $1.4M | $14.8M | ||
| Q1 24 | $15.0K | $17.3M |
粗利率TSSIVEL
| Q4 25 | 17.6% | — | ||
| Q3 25 | 11.1% | — | ||
| Q2 25 | 17.8% | — | ||
| Q1 25 | 9.3% | — | ||
| Q4 24 | 14.4% | — | ||
| Q3 24 | 11.3% | — | ||
| Q2 24 | 37.3% | — | ||
| Q1 24 | 17.1% | — |
営業利益率TSSIVEL
| Q4 25 | 1.5% | 97.0% | ||
| Q3 25 | -2.2% | 72.1% | ||
| Q2 25 | 5.1% | 71.3% | ||
| Q1 25 | 4.2% | 71.7% | ||
| Q4 24 | 0.0% | 82.5% | ||
| Q3 24 | 5.4% | 60.6% | ||
| Q2 24 | 14.0% | 61.3% | ||
| Q1 24 | 1.6% | 78.8% |
純利益率TSSIVEL
| Q4 25 | 20.0% | 67.3% | ||
| Q3 25 | -3.6% | 51.7% | ||
| Q2 25 | 3.4% | 54.6% | ||
| Q1 25 | 3.0% | 50.4% | ||
| Q4 24 | 3.8% | 53.5% | ||
| Q3 24 | 3.8% | 45.1% | ||
| Q2 24 | 11.5% | 45.6% | ||
| Q1 24 | 0.1% | 58.5% |
EPS（希薄化後）TSSIVEL
| Q4 25 | $0.44 | $0.90 | ||
| Q3 25 | $-0.06 | $0.65 | ||
| Q2 25 | $0.06 | $0.69 | ||
| Q1 25 | $0.12 | $0.51 | ||
| Q4 24 | $0.08 | $0.56 | ||
| Q3 24 | $0.10 | $0.44 | ||
| Q2 24 | $0.06 | $0.42 | ||
| Q1 24 | $0.00 | $0.49 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $85.5M | $92.1M |
| 総負債低いほど良い | — | — |
| 株主資本純資産 | $76.6M | $672.5M |
| 総資産 | $184.9M | $7.4B |
| 負債/資本比率低いほどレバレッジが低い | — | — |
8四半期トレンド — 暦四半期で整列
現金・短期投資TSSIVEL
| Q4 25 | $85.5M | $92.1M | ||
| Q3 25 | $70.7M | $99.0M | ||
| Q2 25 | — | $79.6M | ||
| Q1 25 | — | $51.7M | ||
| Q4 24 | $23.2M | $49.9M | ||
| Q3 24 | $46.4M | $44.1M | ||
| Q2 24 | $8.3M | $47.4M | ||
| Q1 24 | $14.4M | $34.8M |
株主資本TSSIVEL
| Q4 25 | $76.6M | $672.5M | ||
| Q3 25 | $63.4M | $634.3M | ||
| Q2 25 | $9.5M | $597.9M | ||
| Q1 25 | $9.4M | $563.2M | ||
| Q4 24 | $7.1M | $516.9M | ||
| Q3 24 | $7.7M | $484.6M | ||
| Q2 24 | $5.2M | $471.3M | ||
| Q1 24 | $3.7M | $452.9M |
総資産TSSIVEL
| Q4 25 | $184.9M | $7.4B | ||
| Q3 25 | $165.4M | $7.0B | ||
| Q2 25 | $139.5M | $6.5B | ||
| Q1 25 | $113.5M | $6.0B | ||
| Q4 24 | $96.6M | $5.5B | ||
| Q3 24 | $67.3M | $5.2B | ||
| Q2 24 | $28.9M | $4.9B | ||
| Q1 24 | $26.8M | $4.6B |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $16.3M | $18.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $15.8M | $17.9M |
| FCFマージンFCF / 売上 | 25.9% | 34.6% |
| 設備投資強度設備投資 / 売上 | 0.9% | 0.5% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 0.52× |
| 直近12ヶ月FCF直近4四半期 | $2.1M | $40.3M |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローTSSIVEL
| Q4 25 | $16.3M | $18.2M | ||
| Q3 25 | $-18.4M | $11.5M | ||
| Q2 25 | $16.3M | $7.7M | ||
| Q1 25 | $20.6M | $3.5M | ||
| Q4 24 | $-21.6M | $37.8M | ||
| Q3 24 | $38.6M | $-17.6M | ||
| Q2 24 | $-4.3M | $11.5M | ||
| Q1 24 | $2.6M | $10.6M |
フリーキャッシュフローTSSIVEL
| Q4 25 | $15.8M | $17.9M | ||
| Q3 25 | $-24.9M | $11.4M | ||
| Q2 25 | $5.4M | $7.6M | ||
| Q1 25 | $5.8M | $3.5M | ||
| Q4 24 | $-28.4M | $37.5M | ||
| Q3 24 | $38.6M | $-17.6M | ||
| Q2 24 | $-6.0M | $11.4M | ||
| Q1 24 | $2.6M | $10.5M |
FCFマージンTSSIVEL
| Q4 25 | 25.9% | 34.6% | ||
| Q3 25 | -59.3% | 23.2% | ||
| Q2 25 | 12.3% | 15.9% | ||
| Q1 25 | 5.8% | 9.2% | ||
| Q4 24 | -56.7% | 96.4% | ||
| Q3 24 | 55.1% | -50.3% | ||
| Q2 24 | -49.4% | 35.1% | ||
| Q1 24 | 16.4% | 35.8% |
設備投資強度TSSIVEL
| Q4 25 | 0.9% | 0.5% | ||
| Q3 25 | 15.3% | 0.1% | ||
| Q2 25 | 24.8% | 0.2% | ||
| Q1 25 | 15.0% | 0.2% | ||
| Q4 24 | 13.4% | 0.7% | ||
| Q3 24 | 0.1% | 0.2% | ||
| Q2 24 | 13.8% | 0.3% | ||
| Q1 24 | 0.2% | 0.1% |
キャッシュ転換率TSSIVEL
| Q4 25 | 1.34× | 0.52× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | 11.02× | 0.29× | ||
| Q1 25 | 6.93× | 0.19× | ||
| Q4 24 | -11.32× | 1.81× | ||
| Q3 24 | 14.60× | -1.11× | ||
| Q2 24 | -3.09× | 0.78× | ||
| Q1 24 | 176.40× | 0.61× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
VEL
| Related Party | $19.3M | 37% |
| Nonrelated Party | $16.9M | 33% |
| Other | $15.4M | 30% |
