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Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
15.98
-0.13 (-0.81%)
Nov 13, 2026, 4:00 PM EST - Market closed

Velocity Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
393.84225.61177.65122.7294.3385.77
Revenue Growth
71.71%27.00%44.76%30.09%9.98%22.60%
Operating Income
154.44146.2496.3971.1344.5539.79
Net Income
107.39103.7167.5851.5231.7220.64
Earnings Per Share
2.762.751.911.520.940.86
EPS Growth
13.65%43.82%26.22%60.62%9.74%-

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
90.5492.1749.940.5745.2535.97
Total Debt
7,3066,5414,8623,8483,2802,380
Net Cash (Debt)
-7,216-6,448-4,812-3,808-3,234-2,344
Net Cash Growth
------
Net Cash Per Share
-183.51-168.90-134.57-110.42-94.76-68.97

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-0.8918.1637.7648.8448.6757.62
Capital Expenditures
-0.26-0.28-0.29-0.18-0.33-0.14
Free Cash Flow
-1.1517.8837.4748.6648.3557.49
Free Cash Flow Growth
--52.28%-23.00%0.64%-15.90%6.13%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
39.21%64.82%54.26%57.96%47.23%46.40%
Pretax Margin
39.21%64.82%54.26%57.96%47.23%46.40%
Profit Margin
27.27%45.97%38.04%41.98%33.63%24.06%
FCF Margin
-0.29%7.92%21.09%39.65%51.25%67.03%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.787.799.5810.969.8621.44
Forward PE
5.338.139.4411.177.6712.91
P/FCF Ratio
-45.1717.2911.606.477.70
PS Ratio
1.593.583.654.603.325.16