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Income Opportunity Realty Investors, Inc. (IOR) vs Velocity Financial, Inc. (VEL)

Income Opportunity Realty Investors, Inc. and Velocity Financial, Inc. are both Mortgage Finance companies. Velocity Financial, Inc. is the larger, with a market value of $689.0M against $72.7M — 9.5× the size. Velocity Financial, Inc. trades at the lower P/E: 6.3× against 20.1×. Across the 13 metrics below, Income Opportunity Realty Investors, Inc. leads on 8 and Velocity Financial, Inc. on 5.

Valuation

Metric IOR VEL Mortgage Finance median
P/E 20.13 6.32 10.24
P/S 117.84 2.17 1.52
P/B 0.59 0.90 0.52
Price to free cash flow 3.57 10.24 4.71
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.97% 15.83% (2.50%)
Free cash flow yield 27.99% 9.76% (9.21%)

Profitability

Metric IOR VEL Mortgage Finance median
Gross margin 0.00% 0.00% 81.25%
Operating margin 0.00% 0.00% 1.91%
Net margin 0.00% 0.00% (1.66%)
Free cash flow margin 0.00% 0.00% (15.01%)
Return on equity 2.96% 0.00% (1.94%)
Return on assets 2.96% 0.00% (0.23%)
Return on invested capital (0.19%) (3.59%) 0.00%

Growth

Metric IOR VEL Mortgage Finance median
Revenue growth (TTM) — 32.40% 7.49%
EPS growth (last fiscal year) (14.04%) 43.98% 20.88%
Revenue growth, 5-year CAGR — 20.68% (11.12%)
Net income growth, 5-year CAGR (1.09%) 0.00% 0.00%

Health

Metric IOR VEL Mortgage Finance median
Debt to equity 0.00 0.00 0.94
Current ratio 31,909.00 0.00 1.07
Net debt to EBITDA 0.02 28.41 15.25

Dividend

Metric IOR VEL Mortgage Finance median
Dividend yield — — 7.01%
Payout ratio — — —

Size

Metric IOR VEL Mortgage Finance median
Market cap 72.74m 688.95m 269.18m

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