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Saturday 7 November 2026
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Velocity Financial, Inc.
VEL Financial Mortgage Finance
- EPS
- +3.03%
- Free cash flow
- −152.8%
- Total debt
- +25.3%
Quarter to September 2026, against a year earlier
17.63
0.18
+1.03%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
0.03 | 0.05 | 51.96 | 51.96 | 0.00 | 15.05 | 9.50 | — | — | — |
P/S ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.72 | 1.65 | 1.19 | — | — | — |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | 2.06 | 4.67 | 4.28 | — | — | — |
P/Operating CF |
0.00 | 0.00 | (5.65) | (5.65) | 7.14 | 17.32 | 7.58 | — | — | — |
P/B ratio |
1.04 | 1.04 | 1.04 | 1.04 | 0.57 | 0.91 | 0.80 | — | — | — |
Price to Tangible BV |
0.00 | 0.00 | 1.04 | 1.04 | 0.57 | 0.95 | 0.83 | — | — | — |
EV/Sales |
0.00 | 0.00 | 0.00 | 0.00 | (0.65) | 0.60 | (0.11) | — | — | — |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 4.39 | 0.00 | 3.57 | — | — | — |
EV/Operating CF |
0.00 | 0.00 | (2.54) | (2.54) | (2.05) | 1.97 | (0.60) | — | — | — |
EV/FCF |
0.00 | 0.00 | (2.63) | (2.63) | (1.86) | 1.70 | (0.41) | — | — | — |
Quick Ratio |
0.00 | 0.00 | 60.79 | 34.70 | 32.28 | 28.77 | 40.18 | 35.32 | 36.42 | 42.54 |
Current Ratio |
— | — | 64.36 | 38.99 | 32.91 | 30.06 | 40.55 | 35.90 | 37.11 | 43.54 |
Net Debt/EBITDA |
0.00 | (83.16) | 12.44 | 14.96 | 12.29 | 37.05 | 81.16 | 44.99 | 29.66 | 28.41 |
Debt/Assets |
85.79% | 0.00% | 76.60% | 71.53% | 78.65% | 73.77% | 78.59% | 79.63% | 81.62% | 84.39% |
Debt/Equity |
6.57 | 0.00 | 8.14 | 10.37 | 7.53 | 6.02 | 7.74 | 8.03 | 8.67 | 9.22 |
Asset Turnover |
0.06 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Operating CF/Net income |
4.38 | 2.69 | (9.50) | (6.09) | (1.76) | 2.79 | 1.53 | 0.95 | 0.56 | 0.18 |
Capex/Depreciation |
— | (0.07) | 0.51 | 0.27 | 0.32 | 0.41 | 0.73 | 1.03 | 2.01 | 4.45 |
Interest Coverage |
— | (0.37) | (0.39) | (0.34) | (0.44) | (0.34) | (0.25) | (0.18) | (0.15) | (0.11) |
| 5.31% | 10.93% | 5.70% | 11.94% | (16.74%) | 7.32% | 8.75% | 12.61% | 14.12% | 17.34% | |
| 0.54% | 2.47% | 0.53% | 0.88% | (1.44%) | 0.84% | 0.97% | 1.26% | 1.36% | 1.61% | |
ROIC |
0.00% | (1.20%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
169.93% | 233.15% | 0.45% | 0.81% | (1.54%) | 0.77% | 0.88% | 1.21% | 1.27% | 1.45% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — | — | — |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
0.00 | 0.00 | 0.80 | 0.80 | 1.61 | 0.97 | 1.13 | — | — | — |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 17.58 | 16.38 | — | — | — |
Earnings Yield |
3,400.00% | 2,080.00% | 1.92% | 1.92% | (24.88%) | 6.64% | 10.53% | — | — | — |
Free Cash Flow Yield |
0.00% | 0.00% | (64.03%) | (64.03%) | 48.58% | 21.41% | 23.37% | — | — | — |
Revenue per Share |
3.93 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Operating CF per Share |
1.48 | 1.87 | (3.61) | (5.24) | 2.73 | 2.53 | 1.53 | 1.52 | 1.16 | 0.49 |
Capex per Share |
0.00 | (0.03) | 0.22 | 0.17 | 0.29 | 0.41 | 0.69 | 0.67 | 0.88 | 1.47 |
Free Cash Flow per Share |
1.48 | 1.85 | (3.39) | (5.07) | 3.03 | 2.93 | 2.22 | 2.19 | 2.03 | 1.96 |
Cash per Share |
2.59 | 0.80 | 79.03 | 94.28 | 98.07 | 112.94 | 113.14 | 130.84 | 161.02 | 190.16 |
Shareholders Equity per Share |
7.37 | 0.00 | 8.13 | 7.61 | 10.93 | 15.10 | 11.92 | 13.57 | 15.93 | 18.34 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
7.37 | 0.00 | 8.13 | 7.61 | 10.93 | 15.10 | 11.92 | 13.57 | 15.93 | 18.34 |
Free Cash Flow |
29.77 | 37.07 | (68.00) | (101.88) | 60.79 | 66.93 | 70.85 | 70.40 | 66.33 | 72.18 |
Working Capital |
— | — | 1,697.91 | 2,132.99 | 2,021.94 | 2,679.10 | 3,619.52 | 4,256.88 | 5,338.17 | 7,159.82 |
Capital Expenditures |
(2.92) | (0.57) | 4.48 | 3.45 | 5.90 | 9.31 | 22.17 | 21.57 | 28.57 | 54.02 |
Net Current Asset Value |
(985.00) | 0.00 | 152.73 | 127.22 | 202.01 | 303.31 | 342.57 | 411.15 | 478.79 | 622.31 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 2.54 | 0.00 | 0.76 | — | — | — |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 1.40 | 1.59 | 2.76 | 4.49 | 5.91 | 9.06 | 7.51 | 8.63 | 8.59 |
Cash ROIC |
2.54% | 3.06% | (2.21%) | (2.81%) | 1.58% | 1.34% | 1.02% | 0.86% | 0.64% | 0.52% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
— | — | 47.94 | 47.94 | 64.78 | 75.64 | 71.43 | 80.28 | 109.35 | 138.83 |
Average Payables |
6.09 | 6.09 | 18.01 | 41.47 | 59.75 | 77.78 | 91.86 | 106.75 | 134.89 | 158.06 |
Average Assets |
1,252.50 | 566.50 | 1,434.12 | 1,975.00 | 2,158.82 | 2,457.68 | 3,280.73 | 4,076.77 | 4,965.99 | 6,454.46 |
Average Common Equity |
128.00 | 128.00 | 133.90 | 144.82 | 186.22 | 282.04 | 362.50 | 408.69 | 478.54 | 597.95 |
Columns are period end dates · fundamentals updated 6 Nov 2026