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Velocity Financial, Inc. VEL

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Price alert · VEL

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16.14 USD +0.42 +2.67%

At close · Nov 2

16.14 0.00 0.00%

After hours · Nov 2, 4:03 PM ET

Bid
16.09 × 200
Ask
16.30 × 400
16.08 Day range 16.33
14.18 52-week range 21.40
YTD
-22.25%
1 year
-13.32%
Open
15.87
Prev close
15.72
Mkt cap
637.23M
Vol
113.81K
Avg vol
158.48K
EPS
2.75
P/E
5.87
Div yield
0.00%
More statistics
Low
16.08
High
16.33
Forward P/E
9.08
Beta
1.03
Short ratio
18.41
Inst. own
98.75%
Dividend
0.00
Ex-div date
Earnings
Aug 1, 2024
50-d avg
19.98
200-d avg
18.69
1y target
21.75

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Financial health

Altman Z-Score

0.39 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 2
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 3

Valuation

P/E 7.4×
FY 2016: 23.3×FY 2017: 11.4×FY 2018: 20.8×FY 2019: 15.7×FY 2020: -4.0×FY 2021: 15.2×FY 2022: 9.7×FY 2023: 10.8×FY 2024: 9.4×FY 2025: 7.4×
FY 2016 5y median 9.7× FY 2025
P/S 1.1×
FY 2016: 2.1×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 10.0×FY 2020: 0.8×FY 2021: 1.7×FY 2022: 1.2×FY 2023: 4.2×FY 2024: 1.3×FY 2025: 1.1×
FY 2016 5y median 1.3× FY 2025
P/B 1.1×
FY 2016: 0.1×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 10.0×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 1.3×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 42.8×
FY 2016: 5.9×FY 2017: 4.6×FY 2018: -2.1×FY 2019: -14.3×FY 2020: 2.3×FY 2021: 5.5×FY 2022: 6.4×FY 2023: 9.1×FY 2024: 17.0×FY 2025: 42.8×
FY 2016 5y median 9.1× FY 2025
EV/EBITDA 14.1×
FY 2016: 158×FY 2017: 88.1×FY 2018: 81.7×FY 2019: 126×FY 2020: 72.0×FY 2021: 62.8×FY 2022: 75.8×FY 2023: 0.0×FY 2024: 55.4×FY 2025: 14.1×
FY 2016 5y median 55.4× FY 2025
EV/Sales 10.1×
FY 2016: 15.3×FY 2017: 14.1×FY 2018: 13.9×FY 2019: 23.0×FY 2020: 11.1×FY 2021: 14.6×FY 2022: 14.3×FY 2023: 33.1×FY 2024: 11.3×FY 2025: 10.1×
FY 2016 5y median 14.3× FY 2025
FCF Yield 2.3%
FY 2016: 16.9%FY 2017: 21.8%FY 2018: -46.7%FY 2019: -7.0%FY 2020: 42.6%FY 2021: 18.3%FY 2022: 15.7%FY 2023: 11.0%FY 2024: 5.9%FY 2025: 2.3%
FY 2016 5y median 11.0% FY 2025

Profitability

Gross Margin 95.3%
FY 2016: 30.7%FY 2017: 35.0%FY 2018: 37.4%FY 2019: 34.8%FY 2020: 36.7%FY 2021: 41.7%FY 2022: 36.2%FY 2023: 100.0%FY 2024: 43.6%FY 2025: 95.3%
FY 2016 5y median 43.6% FY 2025
Operating Margin 71.6%
FY 2016: 9.0%FY 2017: 14.7%FY 2018: 15.8%FY 2019: 16.6%FY 2020: 13.9%FY 2021: 21.9%FY 2022: 17.9%FY 2023: 58.3%FY 2024: 20.0%FY 2025: 71.6%
FY 2016 5y median 21.9% FY 2025
Net Margin 14.7%
FY 2016: 9.0%FY 2017: 14.7%FY 2018: 6.3%FY 2019: 11.3%FY 2020: 10.7%FY 2021: 16.1%FY 2022: 13.0%FY 2023: 39.7%FY 2024: 14.2%FY 2025: 14.7%
FY 2016 5y median 14.7% FY 2025
ROE 15.6%
FY 2016: 0.6%FY 2017: 10.7%FY 2018: 4.7%FY 2019: 11.3%FY 2020: 8.1%FY 2021: 8.6%FY 2022: 8.5%FY 2023: 12.1%FY 2024: 13.2%FY 2025: 15.6%
FY 2016 5y median 12.1% FY 2025
ROIC 5.1%
FY 2016: -0.8%FY 2017: 1.0%FY 2018: 0.4%FY 2019: 0.8%FY 2020: 0.9%FY 2021: 53.4%FY 2022: 0.9%FY 2023: 1.3%FY 2024: 1.3%FY 2025: 5.1%
FY 2016 5y median 1.3% FY 2025
ROA 1.4%
FY 2016: 0.6%FY 2017: 1.0%FY 2018: 0.4%FY 2019: 0.8%FY 2020: 0.8%FY 2021: 1.0%FY 2022: 0.9%FY 2023: 1.2%FY 2024: 1.2%FY 2025: 1.4%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 48.0%
FY 2016: 33.6%FY 2017: 25.8%FY 2018: 28.0%FY 2019: 25.7%FY 2020: 8.5%FY 2021: 9.3%FY 2022: 37.0%FY 2023: -47.0%FY 2024: 266.5%FY 2025: 48.0%
FY 2016 FY 2025
Operating Income 430.4%
FY 2016: -84.1%FY 2017: 105.8%FY 2018: 37.6%FY 2019: 31.9%FY 2020: -8.9%FY 2021: 72.0%FY 2022: 12.0%FY 2023: 72.5%FY 2024: 25.4%FY 2025: 430.4%
FY 2016 FY 2025
EPS (diluted) 44.0%
FY 2016: 61.1%FY 2017: 105.2%FY 2018: -24.4%FY 2019: -4.4%FY 2020: -280.2%FY 2021: 155.5%FY 2022: 8.1%FY 2023: 63.4%FY 2024: 25.7%FY 2025: 44.0%
FY 2016 FY 2025
Free Cash Flow -52.3%
FY 2016: 0.0%FY 2017: 28.7%FY 2018: -314.6%FY 2019: -44.7%FY 2020: 149.7%FY 2021: 7.5%FY 2022: -15.6%FY 2023: 25.9%FY 2024: -38.5%FY 2025: -52.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.0×FY 2017: 0.5×FY 2018: 2.6×FY 2019: 0.2×FY 2020: 0.7×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.6×
FY 2016: 0.0×FY 2017: 0.5×FY 2018: 2.6×FY 2019: 0.2×FY 2020: 0.7×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 9.7×
FY 2016: 0.9×FY 2017: 9.1×FY 2018: 9.5×FY 2019: 13.1×FY 2020: 7.9×FY 2021: 7.0×FY 2022: 8.7×FY 2023: 8.9×FY 2024: 9.4×FY 2025: 9.7×
FY 2016 5y median 8.9× FY 2025
Net Debt / EBITDA 12.6×
FY 2016: 136×FY 2017: 77.6×FY 2018: 74.0×FY 2019: 71.2×FY 2020: 67.1×FY 2021: 55.4×FY 2022: 69.2×FY 2023: 0.0×FY 2024: 48.9×FY 2025: 12.6×
FY 2016 5y median 48.9× FY 2025
Interest Coverage 1.4×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 1.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31