Price Alert

Velocity Financial Inc. (VEL)

NYSE: VEL · Real-Time Price · USD

18.94

-0.05 (-0.26%)

At close: Aug 15, 2025, 12:10 PM

Velocity Financial Statistics

Share Statistics

Velocity Financial has 36.49M shares outstanding. The number of shares has increased by 10.21% in one year.

Shares Outstanding	36.49M
Shares Change (YoY)	10.21%
Shares Change (QoQ)	7.28%
Owned by Institutions (%)	99.99%
Shares Floating	21.62M
Failed to Deliver (FTD) Shares	72
FTD / Avg. Volume	0.05%

Short Selling Information

The latest short interest is 411.99K, so 1.13% of the outstanding shares have been sold short.

Short Interest	411.99K
Short % of Shares Out	1.13%
Short % of Float	7.12%
Short Ratio (days to cover)	4.92

Valuation Ratios

The PE ratio is 9.34 and the forward PE ratio is 7.1. Velocity Financial's PEG ratio is 0.29.

PE Ratio	9.34
Forward PE	7.1
PS Ratio	3.02
Forward PS	2.8
PB Ratio	1.24
P/FCF Ratio	17.05
PEG Ratio	0.29

Financial Ratio History

Enterprise Valuation

Velocity Financial has an Enterprise Value (EV) of 5.45B.

EV / Sales	25.73
EV / EBITDA	0
EV / EBIT	144.3
EV / FCF	145.42

Financial Position

The company has a current ratio of 0.17, with a Debt / Equity ratio of 9.4.

Current Ratio	0.17
Quick Ratio	0.17
Debt / Equity	9.4
Debt / EBITDA	n/a
Debt / FCF	129.7
Interest Coverage	0.41

Financial Efficiency

Return on Equity is 13.24% and Return on Invested Capital is -183.35%.

Return on Equity	13.24%
Return on Assets	1.24%
Return on Invested Capital	-183.35%
Revenue Per Employee	$685.23K
Profits Per Employee	$221.42K
Employee Count	309
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

Income Tax	27.93M
Effective Tax Rate	28.97%

Stock Price Statistics

The stock price has increased by -1.92% in the last 52 weeks. The beta is 1.26, so Velocity Financial's price volatility has been higher than the market average.

Beta	1.26
52-Week Price Change	-1.92%
50-Day Moving Average	17.83
200-Day Moving Average	18.54
Relative Strength Index (RSI)	53.38
Average Volume (20 Days)	139,267

Income Statement

In the last 12 months, Velocity Financial had revenue of 211.74M and earned 68.42M in profits. Earnings per share was 2.12.

Revenue	211.74M
Gross Profit	211.74M
Operating Income	101.4M
Net Income	68.42M
EBITDA	n/a
EBIT	-2M
Earnings Per Share (EPS)	2.12

Full Income Statement

Balance Sheet

The company has 49.9M in cash and 4.86B in debt, giving a net cash position of -4.81B.

Cash & Cash Equivalents	49.9M
Total Debt	4.86B
Net Cash	-4.81B
Retained Earnings	197.32M
Total Assets	5.97B
Working Capital	-509.75M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 37.76M and capital expenditures -289K, giving a free cash flow of 37.47M.

Operating Cash Flow	37.76M
Capital Expenditures	-289K
Free Cash Flow	37.47M
FCF Per Share	1.15

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 47.89% and 32.31%.

Gross Margin	100%
Operating Margin	47.89%
Pretax Margin	45.52%
Profit Margin	32.31%
EBITDA Margin	n/a
EBIT Margin	47.89%
FCF Margin	17.69%

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
Payout Ratio	n/a
Earnings Yield	10.71%
FCF Yield	5.87%

Dividend Details

Analyst Forecast

The average price target for VEL is $21, which is 17.4% higher than the current price. The consensus rating is "Buy".

Price Target	$21
Price Target Difference	17.4%
Analyst Consensus	Buy
Analyst Count	4

Stock Forecasts

Fair Value

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

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	27.32
Graham Upside	52.8%

Scores

Altman Z-Score	0.21
Piotroski F-Score	4