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Velocity Financial, Inc. (VEL)
Price$17.29
Value ScoreC
Growth ScoreC
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)-20.98%
Price vs S&P 500 (4W)-14.86%
VGM Score50.87
Market Capitalization$682.61M
P/E Ratio (Annual)6.50x
All Metrics
P/CF (Annual)37.59x
Book Value / Share (Quarterly)$17.67
P/TBV (Annual)1.28x
Revenue Growth (3Y)33.36%
Cash Flow / Share (Quarterly)$0.63
Price vs S&P 500 (YTD)-26.64%
Gross Margin (TTM)105.99%
Net Profit Margin (TTM)20.62%
EPS (TTM)$2.80
10-Day Avg Trading Volume0.07M
EPS Excl Extra (TTM)$2.80
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)$2.22
P/E Basic Excl Extra (TTM)6.29x
Revenue Growth QoQ (YoY)28.30%
EPS Growth (5Y)25.45%
P/E Normalized (Annual)6.50x
ROA (Last FY)1.42%
Revenue Growth TTM (YoY)18.00%
EBITD / Share (TTM)$14.72
ROE (5Y Avg)11.61%
Operating Margin (TTM)108.26%
Cash Flow / Share (Annual)$0.43
P/B Ratio0.98x
P/B Ratio (Quarterly)1.02x
Net Income / Employee (Annual)$283,200
EV / Revenue (TTM)13.90x
Net Interest Coverage (TTM)1.41x
ROA (TTM)1.53%
EPS Growth QoQ (YoY)11.26%
EV / EBITDA (TTM)12.83x
EPS Incl Extra (Annual)$2.75
Current Ratio (Annual)0.30x
Quick Ratio (Quarterly)0.51x
3-Month Avg Trading Volume0.10M
52-Week Price Return4.85%
EV / Free Cash Flow (Annual)440.95x
P/E Incl Extra (TTM)6.29x
Revenue / Employee (TTM)$1,419,000
Tangible BV / Share (Quarterly)$12.49
P/S Ratio (Annual)1.16x
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 Return-5.05%
Quick Ratio (Annual)0.30x
13-Week Price Return-6.87%
Total Debt / Equity (Annual)9.72x
Current Ratio (Quarterly)0.51x
Enterprise Value$7.32B
Revenue / Share Growth (5Y)12.06%
Asset Turnover (TTM)0.07x
Book Value / Share Growth (5Y)2.30%
Revenue / Employee (Annual)$1,582,400
Pretax Margin (Annual)24.91%
Cash / Share (Annual)$2.36
3-Month Return Std Dev28.52%
Gross Margin (5Y Avg)92.11%
Net Income / Employee (TTM)$292,500
EBITDA CAGR (5Y)33.33%
EBITDA Interim CAGR (5Y)34.34%
ROE (Last FY)15.62%
Net Interest Coverage (Annual)1.39x
EPS Basic Excl Extra (Annual)$2.75
P/FCF (TTM)22.28x
Receivables Turnover (TTM)11.74x
EV / Free Cash Flow (TTM)293.83x
Total Debt / Equity (Quarterly)9.69x
EPS Incl Extra (TTM)$2.80
Receivables Turnover (Annual)13.83x
ROI (TTM)1.57%
P/S Ratio (TTM)1.30x
Pretax Margin (5Y Avg)21.86%
Revenue / Share (Annual)$15.38
Tangible BV / Share (Annual)$11.39
Forward P/E6.21x
Free OCF CAGR (5Y)-20.82%
Price vs S&P 500 (52W)-23.35%
P/E Ratio (TTM)6.29x
EPS Growth TTM (YoY)44.38%
Year-to-Date Return-15.70%
5-Day Price Return1.92%
EPS Normalized (Annual)$2.75
ROA (5Y Avg)1.15%
Net Profit Margin (Annual)17.89%
Month-to-Date Return-9.28%
Cash Flow / Share (TTM)$1.29
EBITD / Share (Annual)$14.01
EPS Growth (3Y)42.83%
Operating Margin (Annual)90.99%
LT Debt / Equity (Annual)9.26x
P/CF (TTM)25.56x
ROI (5Y Avg)1.18%
P/E Excl Extra (TTM)6.29x
LT Debt / Equity (Quarterly)9.55x
EPS Basic Excl Extra (TTM)$2.80
P/TBV (Quarterly)1.15x
P/B Ratio (Annual)1.20x
Pretax Margin (TTM)28.54%
Book Value / Share (Annual)$17.26
Price vs S&P 500 (13W)-16.61%
Net Margin Growth (5Y)11.94%
Beta0.70x
P/FCF (Annual)41.13x
Revenue / Share (TTM)$13.44
ROE (TTM)16.71%
52-Week Low$16.19
vGradeC
gGradeC
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.68est. 0.65
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
3.86
3.86
3.86
3.86
Industry Peers — Finance Services(152)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
VELVelocity Financial, Inc. | C | C | C | $17.29 |
| AXPAmerican Express Company | D | B | C | $313.54 |
| NUNu Holdings Ltd. | D | B | C | $12.99 |
| COINCoinbase Global, Inc. Class A Common Stock | D | C | C | $182.61 |
| MSTRStrategy Inc Common Stock Class A | D | D | C | $149.78 |
| CRCLCircle Internet Group, Inc. | F | C | B | $104.97 |
| SYFSYNCHRONY FINANCIAL | B | C | C | $70.82 |
| SOFISoFi Technologies, Inc. Common Stock | D | B | B | $18.58 |
| IRENIREN Limited Ordinary Shares | F | B | A | $65.33 |
| HUTHut 8 Corp. Common Stock | F | A | A | $132.38 |
| WULFTeraWulf Inc. Common Stock | F | B | A | $25.66 |
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.