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VEL Velocity Financial Inc
Price (delayed)
$18.87
Market cap
$624.88M
P/E Ratio
9.53
Dividend/share
N/A
EPS
$1.98
Enterprise value
$5.13B
Based in Westlake Village, California, Velocity is a vertically integrated real estate finance company that primarily originates and manages investor loans secured by 1-4 unit residential rental and small commercial
Highlights
Velocity Financial's net income has surged by 50% YoY and by 6% QoQ
The EPS has grown by 49% YoY and by 6% from the previous quarter
The debt has increased by 27% year-on-year and by 7% since the previous quarter
Key stats
What are the main financial stats of VEL
Market
Valuations
Earnings
Shares outstanding
33.11M
Market cap
$624.88M
Enterprise value
$5.13B
Price to book (P/B)
1.29
Price to sales (P/S)
2.85
EV/EBIT
58.96
EV/EBITDA
57.34
EV/Sales
23.7
Revenue
$216.43M
Gross profit
$216.43M
Net income
$65.19M
EBIT
$87.02M
EBITDA
$89.47M
Free cash flow
$30.98M
Per share
Balance sheet
Liquidity
EPS
$1.98
EPS diluted
$1.85
Free cash flow per share
$0.95
Book value per share
$14.64
Revenue per share
$6.62
TBVPS
$158.84
Total assets
$5.2B
Total liabilities
$4.71B
Debt
$4.57B
Equity
$484.64M
Working capital
N/A
Debt to equity
9.44
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
50.36
Margins
Efficiency
Dividend
EBITDA margin
41.3%
Gross margin
100%
Net margin
30.1%
Operating margin
40%
Return on assets
1.3%
Return on equity
14%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
40.2%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
VEL stock price
How has the Velocity Financial stock price performed over time
Intraday
0.8%
1 week
-0.63%
1 month
-8%
1 year
17.79%
YTD
-3.53%
QTD
-3.53%
Financial performance
How have Velocity Financial's revenue and profit performed over time
Revenue
$216.43M
Gross profit
$216.43M
Operating income
$86.66M
Net income
$65.19M
Gross margin
100%
Net margin
30.1%
Velocity Financial's net income has surged by 50% YoY and by 6% QoQ
Velocity Financial's operating income has increased by 43% YoY and by 4.8% QoQ
VEL's gross profit is up by 42% YoY and by 6% QoQ
Velocity Financial's revenue has increased by 42% YoY and by 6% from the previous quarter
Growth
What is Velocity Financial's growth rate over time
Valuation
What is Velocity Financial stock price valuation
P/E
9.53
P/B
1.29
P/S
2.85
EV/EBIT
58.96
EV/EBITDA
57.34
EV/Sales
23.7
The EPS has grown by 49% YoY and by 6% from the previous quarter
The P/E is 6% below the last 4 quarters average of 10.1
The P/B is 43% above the 5-year quarterly average of 0.9
Velocity Financial's equity has increased by 16% YoY and by 2.8% from the previous quarter
Velocity Financial's revenue has increased by 42% YoY and by 6% from the previous quarter
VEL's price to sales (P/S) is 5% lower than its last 4 quarters average of 3.0
Efficiency
How efficient is Velocity Financial business performance
VEL's ROE is up by 30% YoY and by 2.2% from the previous quarter
The ROIC has grown by 25% YoY
VEL's ROA is up by 18% YoY
Dividends
What is VEL's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for VEL.
Financial health
How did Velocity Financial financials performed over time
The total assets is 10% more than the total liabilities
The company's total liabilities rose by 28% YoY and by 7% QoQ
The total assets has grown by 26% YoY and by 7% from the previous quarter
The debt has increased by 27% year-on-year and by 7% since the previous quarter
Velocity Financial's equity has increased by 16% YoY and by 2.8% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.