COMP <GO>
VEL vs GAIN // EV/EBITDA & P/E VALUATION
Velocity Financial Inc. (NYSE) VS. Gladstone Investment Corporation Business Development Company (NASDAQ) • 15-METRIC TALLY: VEL 4
— GAIN 2
■ METRIC PARITY
LAST: $15.95 (+2.44%) • MKT CAP: $629.7M
valuation
—
LAST: $15.27 (+1.26%) • MKT CAP: $608.1M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (VEL VS. GAIN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | VEL | GAIN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.60% | 31.00% | -15.40 | GAIN | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.84% | -16.71% | +19.55 | VEL | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 9.40% | -9.40 | GAIN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 2/9 | +2.00 | VEL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.1 | 47.4 | +8.67 | VEL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.6x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $629.7M | $608.1M | $21.6M | VEL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | VEL REV | GAIN REV | VEL GROSS % | GAIN GROSS % | VEL FCF | GAIN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $17.9M | -$101.6M |
| FY 2024 | $0 | $0 | — | — | $37.5M | $16.3M |
| FY 2023 | $0 | $0 | — | — | $48.8M | -$69.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
VEL // BETA —
GAIN // BETA —