VEL Velocity Financial Inc
Price (delayed)
$17.44
Market cap
$593.23M
P/E Ratio
8.43
Dividend/share
N/A
EPS
$2.07
Enterprise value
$5.38B
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 increased by 37% YoY and by 9% from the previous quarter
VEL's gross profit is up by 37% YoY and by 9% QoQ
The debt has increased by 26% year-on-year and by 6% since the previous quarter
Key stats
What are the main financial stats of VEL
Market
Valuations
Earnings
Shares outstanding
34.02M
Market cap
$593.23M
Enterprise value
$5.38B
Price to earnings (P/E)
8.43
Price to book (P/B)
1.12
Price to sales (P/S)
2.41
EV/EBIT
55.86
EV/EBITDA
54.72
EV/Sales
22.8
Revenue
$236.03M
Gross profit
$236.03M
Operating income
$96.39M
Net income
$68.42M
EBIT
$96.34M
EBITDA
$98.34M
Free cash flow
$38.11M
Per share
Balance sheet
Liquidity
EPS
$2.07
EPS diluted
$1.91
Free cash flow per share
$1.17
Book value per share
$15.61
Revenue per share
$7.23
TBVPS
$169.07
Total assets
$5.53B
Total liabilities
$5.01B
Debt
$4.86B
Equity
$516.94M
Working capital
N/A
Debt to equity
9.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
48.69
Margins
Efficiency
Dividend
EBITDA margin
41.7%
Gross margin
100%
Net margin
29%
Operating margin
40.8%
Return on assets
1.3%
Return on equity
14%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
40.8%
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
0.29%
1 week
2.89%
1 month
-8.93%
1 year
8.26%
YTD
-10.84%
QTD
-6.79%
Financial performance
How have Velocity Financial's revenue and profit performed over time
Revenue
$236.03M
Gross profit
$236.03M
Operating income
$96.39M
Net income
$68.42M
Gross margin
100%
Net margin
29%
Velocity Financial's revenue has increased by 37% YoY and by 9% from the previous quarter
VEL's gross profit is up by 37% YoY and by 9% QoQ
Velocity Financial's operating income has increased by 36% YoY and by 11% QoQ
Velocity Financial's net income has increased by 31% YoY and by 5% QoQ
Growth
What is Velocity Financial's growth rate over time
Valuation
What is Velocity Financial stock price valuation
P/E
8.43
P/B
1.12
P/S
2.41
EV/EBIT
55.86
EV/EBITDA
54.72
EV/Sales
22.8
The EPS has grown by 29% YoY and by 4.5% from the previous quarter
The P/E is 14% below the last 4 quarters average of 9.8
Velocity Financial's equity has increased by 19% YoY and by 7% from the previous quarter
The P/B is 14% below the last 4 quarters average of 1.3 but 12% above the 5-year quarterly average of 1.0
Velocity Financial's revenue has increased by 37% YoY and by 9% from the previous quarter
VEL's price to sales (P/S) is 17% lower than its last 4 quarters average of 2.9 and 14% lower than its 5-year quarterly average of 2.8
Efficiency
How efficient is Velocity Financial business performance
VEL's ROE is up by 11% YoY
The ROIC has grown by 11% 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 26% YoY and by 6% QoQ
The total assets has grown by 25% YoY and by 6% from the previous quarter
The debt has increased by 26% year-on-year and by 6% since the previous quarter
Velocity Financial's equity has increased by 19% YoY and by 7% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.