VEL Velocity Financial Inc
Price (delayed)
$19.79
Market cap
$655.23M
P/E Ratio
10.58
Dividend/share
N/A
EPS
$1.87
Enterprise value
$4.84B
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 revenue has soared by 52% YoY and by 8% from the previous quarter
VEL's gross profit has soared by 52% YoY and by 8% QoQ
The debt has increased by 23% year-on-year and by 5% since the previous quarter
The P/E is 8% above the last 4 quarters average of 9.7
Key stats
What are the main financial stats of VEL
Market
Valuations
Earnings
Shares outstanding
33.11M
Market cap
$655.23M
Enterprise value
$4.84B
Price to earnings (P/E)
10.58
Price to book (P/B)
1.39
Price to sales (P/S)
3.14
EV/EBIT
58.44
EV/EBITDA
56.82
EV/Sales
23.57
Revenue
$205.15M
EBIT
$82.75M
EBITDA
$85.1M
Free cash flow
$38.84M
Per share
Balance sheet
Liquidity
EPS
$1.87
Free cash flow per share
$1.19
Book value per share
$14.29
Revenue per share
$6.3
TBVPS
$149.35
Total assets
$4.87B
Total liabilities
$4.4B
Debt
$4.26B
Equity
$471.32M
Working capital
N/A
Debt to equity
9.04
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
49.12
Margins
Efficiency
Dividend
EBITDA margin
41.5%
Gross margin
100%
Net margin
30%
Operating margin
40.3%
Return on assets
1.3%
Return on equity
13.7%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
40.3%
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
0.61%
1 week
1.38%
1 month
9.94%
1 year
65.19%
YTD
14.92%
QTD
10.37%
Financial performance
How have Velocity Financial's revenue and profit performed over time
Revenue
$205.15M
Gross profit
$205.15M
Operating income
$82.66M
Net income
$61.47M
Gross margin
100%
Net margin
30%
Velocity Financial's revenue has soared by 52% YoY and by 8% from the previous quarter
VEL's gross profit has soared by 52% YoY and by 8% QoQ
Velocity Financial's net income has increased by 49% YoY and by 4.4% QoQ
Velocity Financial's operating income has increased by 44% YoY and by 3.8% QoQ
Growth
What is Velocity Financial's growth rate over time
Valuation
What is Velocity Financial stock price valuation
P/E
10.58
P/B
1.39
P/S
3.14
EV/EBIT
58.44
EV/EBITDA
56.82
EV/Sales
23.57
The EPS has grown by 47% YoY and by 4.5% from the previous quarter
The P/E is 8% above the last 4 quarters average of 9.7
The P/B is 53% above the 5-year quarterly average of 0.9 and 15% above the last 4 quarters average of 1.2
Velocity Financial's equity has increased by 17% YoY and by 4.1% from the previous quarter
Velocity Financial's revenue has soared by 52% YoY and by 8% from the previous quarter
VEL's price to sales (P/S) is 11% higher than its 5-year quarterly average of 2.8 and 8% higher than its last 4 quarters average of 2.9
Efficiency
How efficient is Velocity Financial business performance
VEL's ROE is up by 29% YoY
The ROIC has grown by 25% YoY
VEL's ROA is up by 18% YoY but it is down by 7% from the previous quarter
The ROS has contracted by 4.5% YoY and by 4% from the previous quarter
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 11% more than the total liabilities
The company's total liabilities rose by 24% YoY and by 5% QoQ
The total assets has grown by 23% YoY and by 5% from the previous quarter
The debt has increased by 23% year-on-year and by 5% since the previous quarter
Velocity Financial's equity has increased by 17% YoY and by 4.1% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.