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Velocity Financial, Inc. (VEL)
Price$19.14
Favorite Metrics
Price vs S&P 500 (26W)3.90%
Price vs S&P 500 (4W)7.63%
Market Capitalization$767.44M
P/E Ratio (Annual)7.31x
All Metrics
P/CF (Annual)42.26x
Book Value / Share (Quarterly)$17.26
P/TBV (Annual)1.28x
Revenue Growth (3Y)33.36%
Cash Flow / Share (Quarterly)$0.43
Price vs S&P 500 (YTD)-8.42%
Gross Margin (TTM)106.78%
Net Profit Margin (TTM)21.35%
EPS (TTM)$2.74
10-Day Avg Trading Volume0.11M
EPS Excl Extra (TTM)$2.74
Revenue Growth (5Y)27.40%
EPS (Annual)$2.75
ROI (Annual)1.46%
Gross Margin (Annual)89.49%
Net Profit Margin (5Y Avg)15.82%
Cash / Share (Quarterly)$2.36
P/E Basic Excl Extra (TTM)7.31x
Revenue Growth QoQ (YoY)50.48%
EPS Growth (5Y)25.45%
P/E Normalized (Annual)7.31x
ROA (Last FY)1.42%
Revenue Growth TTM (YoY)18.06%
EBITD / Share (TTM)$13.26
ROE (5Y Avg)11.61%
Operating Margin (TTM)108.57%
Cash Flow / Share (Annual)$0.43
P/B Ratio1.14x
P/B Ratio (Quarterly)1.20x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)14.66x
Net Interest Coverage (TTM)1.41x
ROA (TTM)1.57%
EPS Growth QoQ (YoY)55.44%
EV / EBITDA (TTM)14.26x
EPS Incl Extra (Annual)$2.75
Current Ratio (Annual)0.30x
Quick Ratio (Quarterly)0.30x
3-Month Avg Trading Volume0.12M
52-Week Price Return13.65%
EV / Free Cash Flow (Annual)434.64x
P/E Incl Extra (TTM)7.31x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$12.49
P/S Ratio (Annual)1.31x
Asset Turnover (Annual)0.08x
52-Week High$21.39
Operating Margin (5Y Avg)85.67%
EPS Excl Extra (Annual)$2.75
CapEx CAGR (5Y)-0.05%
Tangible BV CAGR (5Y)18.91%
26-Week Price Return7.89%
Quick Ratio (Annual)0.30x
13-Week Price Return3.66%
Total Debt / Equity (Annual)9.72x
Current Ratio (Quarterly)0.30x
Enterprise Value$7,212.85
Revenue / Share Growth (5Y)12.06%
Asset Turnover (TTM)0.07x
Book Value / Share Growth (5Y)2.30%
Revenue / Employee (Annual)$2
Pretax Margin (Annual)24.91%
Cash / Share (Annual)$2.36
3-Month Return Std Dev23.72%
Gross Margin (5Y Avg)92.11%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)32.43%
EBITDA Interim CAGR (5Y)33.40%
ROE (Last FY)15.62%
Net Interest Coverage (Annual)1.41x
EPS Basic Excl Extra (Annual)$2.75
P/FCF (TTM)13.83x
Receivables Turnover (TTM)11.59x
EV / Free Cash Flow (TTM)434.64x
Total Debt / Equity (Quarterly)9.72x
EPS Incl Extra (TTM)$2.74
Receivables Turnover (Annual)13.83x
ROI (TTM)1.61%
P/S Ratio (TTM)1.56x
Pretax Margin (5Y Avg)21.86%
Revenue / Share (Annual)$15.38
Tangible BV / Share (Annual)$11.39
Forward P/E7.03x
Free OCF CAGR (5Y)-20.82%
Price vs S&P 500 (52W)-16.18%
P/E Ratio (TTM)7.31x
EPS Growth TTM (YoY)43.34%
Year-to-Date Return-5.78%
5-Day Price Return3.38%
EPS Normalized (Annual)$2.75
ROA (5Y Avg)1.15%
Net Profit Margin (Annual)17.89%
Month-to-Date Return8.13%
Cash Flow / Share (TTM)$1.29
EBITD / Share (Annual)$13.25
EPS Growth (3Y)42.83%
Operating Margin (Annual)90.99%
LT Debt / Equity (Annual)9.26x
P/CF (TTM)42.26x
ROI (5Y Avg)1.18%
P/E Excl Extra (TTM)7.31x
LT Debt / Equity (Quarterly)9.26x
EPS Basic Excl Extra (TTM)$2.74
P/TBV (Quarterly)1.15x
P/B Ratio (Annual)1.20x
Pretax Margin (TTM)29.72%
Book Value / Share (Annual)$17.26
Price vs S&P 500 (13W)2.97%
Net Margin Growth (5Y)11.94%
Beta0.78x
P/FCF (Annual)46.25x
Revenue / Share (TTM)$12.53
ROE (TTM)17.03%
52-Week Low$16.12
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.86
3.86
3.86
3.86
Industry Peers — Finance Services(109)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
VELVelocity Financial, Inc. | 7.31x | 17.03% | 108.57% | 27.40% | $19.14 |
AXPAmerican Express Company | 20.67x | 33.49% | 17.76% | 15.25% | $325.76 |
COINCoinbase Global, Inc. Class A Common Stock | 41.05x | 9.44% | 19.99% | 41.24% | $199.82 |
MSTRStrategy Inc Common Stock Class A | — | -7.97% | -1140.82% | -0.15% | $148.94 |
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.06 |
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $76.11 |
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $98.83 |
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $74.75 |
SYFSYNCHRONY FINANCIAL | 7.44x | 21.09% | 18.39% | 0.89% | $75.17 |
CRCLCircle Internet Group, Inc. | 126.06x | -2.62% | -2.63% | — | $107.46 |
SOFISoFi Technologies, Inc. Common Stock | 49.78x | 5.87% | -19.92% | — | $19.03 |
About
Velocity Financial Inc originates and manages investor loans secured by residential rental and small commercial properties across major U.S. markets including New York, California, Florida, and New Jersey. The company generates revenue primarily through interest income on its diversified loan portfolio. It serves real estate investors seeking financing for property acquisitions and development projects.