Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
18.98
-0.01 (-0.05%)
At close: Aug 15, 2025, 4:00 PM
18.98
0.00 (0.00%)
After-hours: Aug 15, 2025, 7:00 PM EDT

Velocity Financial Statistics

Total Valuation

VEL has a market cap or net worth of $729.56 million. The enterprise value is $6.36 billion.

Market Cap 729.56M
Enterprise Value 6.36B

Important Dates

The last earnings date was Thursday, August 7, 2025, after market close.

Earnings Date Aug 7, 2025
Ex-Dividend Date n/a

Share Statistics

VEL has 38.44 million shares outstanding. The number of shares has increased by 4.15% in one year.

Current Share Class 38.44M
Shares Outstanding 38.44M
Shares Change (YoY) +4.15%
Shares Change (QoQ) +2.66%
Owned by Insiders (%) 3.78%
Owned by Institutions (%) 48.37%
Float 5.69M

Valuation Ratios

The trailing PE ratio is 8.56 and the forward PE ratio is 7.92.

PE Ratio 8.56
Forward PE 7.92
PS Ratio 3.31
Forward PS n/a
PB Ratio 1.22
P/TBV Ratio 1.23
P/FCF Ratio 27.45
P/OCF Ratio 27.12
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 79.19
EV / Sales 32.52
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 239.29

Financial Position

The company has a current ratio of 12.76, with a Debt / Equity ratio of 9.50.

Current Ratio 12.76
Quick Ratio 12.65
Debt / Equity 9.50
Debt / EBITDA n/a
Debt / FCF 214.84
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 15.10%.

Return on Equity (ROE) 15.10%
Return on Assets (ROA) 1.43%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $632,984
Profits Per Employee $259,896
Employee Count 309
Asset Turnover 0.03
Inventory Turnover n/a

Taxes

In the past 12 months, VEL has paid $32.86 million in taxes.

Income Tax 32.86M
Effective Tax Rate 28.80%

Stock Price Statistics

The stock price has increased by +5.44% in the last 52 weeks. The beta is 1.26, so VEL's price volatility has been higher than the market average.

Beta (5Y) 1.26
52-Week Price Change +5.44%
50-Day Moving Average 18.03
200-Day Moving Average 18.52
Relative Strength Index (RSI) 67.28
Average Volume (20 Days) 83,396

Short Selling Information

The latest short interest is 376,276, so 0.98% of the outstanding shares have been sold short.

Short Interest 376,276
Short Previous Month 488,043
Short % of Shares Out 0.98%
Short % of Float 6.61%
Short Ratio (days to cover) 4.57

Income Statement

In the last 12 months, VEL had revenue of $195.59 million and earned $80.31 million in profits. Earnings per share was $2.22.

Revenue 195.59M
Gross Profit 137.41M
Operating Income 114.10M
Pretax Income 82.75M
Net Income 80.31M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $2.22
Full Income Statement

Balance Sheet

The company has $79.56 million in cash and $5.71 billion in debt, giving a net cash position of -$5.63 billion or -$146.48 per share.

Cash & Cash Equivalents 79.56M
Total Debt 5.71B
Net Cash -5.63B
Net Cash Per Share -$146.48
Equity (Book Value) 601.05M
Book Value Per Share 15.62
Working Capital 5.84B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $26.90 million and capital expenditures -$322,000, giving a free cash flow of $26.58 million.

Operating Cash Flow 26.90M
Capital Expenditures -322,000
Free Cash Flow 26.58M
FCF Per Share $0.69
Full Cash Flow Statement

Margins

Gross margin is 70.25%, with operating and profit margins of 58.33% and 41.55%.

Gross Margin 70.25%
Operating Margin 58.33%
Pretax Margin 58.33%
Profit Margin 41.55%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 13.59%

Dividends & Yields

VEL does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -4.15%
Shareholder Yield -4.15%
Earnings Yield 11.01%
FCF Yield 3.64%

Analyst Forecast

The average price target for VEL is $21.20, which is 11.70% higher than the current price. The consensus rating is "Buy".

Price Target $21.20
Price Target Difference 11.70%
Analyst Consensus Buy
Analyst Count 5
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 5