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Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
14.59
-0.02 (-0.14%)
Oct 2, 2026, 4:00 PM EDT - Market closed

Velocity Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
284.11225.61177.65122.7294.3385.77
Revenue Growth
45.26%27.00%44.76%30.09%9.98%22.60%
Operating Income
151.54146.2496.3971.1344.5539.79
Net Income
106.18103.7167.5851.5231.7220.64
Earnings Per Share
2.752.751.911.520.940.86
EPS Growth
24.09%43.82%26.22%60.62%9.74%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
76.2392.1749.940.5745.2535.97
Total Debt
7,0526,5414,8623,8483,2802,380
Net Cash (Debt)
-6,976-6,448-4,812-3,808-3,234-2,344
Net Cash Growth
------
Net Cash Per Share
-178.21-168.90-134.57-110.42-94.76-68.97

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
22.7918.1637.7648.8448.6757.62
Capital Expenditures
-0.26-0.28-0.29-0.18-0.33-0.14
Free Cash Flow
22.5317.8837.4748.6648.3557.49
Free Cash Flow Growth
-15.24%-52.28%-23.00%0.64%-15.90%6.13%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
53.34%64.82%54.26%57.96%47.23%46.40%
Pretax Margin
53.34%64.82%54.26%57.96%47.23%46.40%
Profit Margin
37.37%45.97%38.04%41.98%33.63%24.06%
FCF Margin
7.93%7.92%21.09%39.65%51.25%67.03%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.307.799.5810.969.8621.44
Forward PE
5.388.139.4411.177.6712.91
P/FCF Ratio
25.5745.1717.2911.606.477.70
PS Ratio
2.033.583.654.603.325.16