Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
16.30
-0.36 (-2.16%)
At close: May 9, 2025, 4:00 PM
16.30
0.00 (0.00%)
After-hours: May 9, 2025, 7:00 PM EDT

Velocity Financial Statistics

Total Valuation

VEL has a market cap or net worth of $594.81 million. The enterprise value is $5.79 billion.

Market Cap 594.81M
Enterprise Value 5.79B

Important Dates

The last earnings date was Thursday, May 1, 2025, after market close.

Earnings Date May 1, 2025
Ex-Dividend Date n/a

Share Statistics

VEL has 36.49 million shares outstanding. The number of shares has increased by 3.65% in one year.

Current Share Class 36.49M
Shares Outstanding 36.49M
Shares Change (YoY) +3.65%
Shares Change (QoQ) +1.98%
Owned by Insiders (%) 3.19%
Owned by Institutions (%) 46.16%
Float 4.07M

Valuation Ratios

The trailing PE ratio is 8.40 and the forward PE ratio is 7.47.

PE Ratio 8.40
Forward PE 7.47
PS Ratio 3.02
Forward PS n/a
PB Ratio 1.02
P/TBV Ratio 1.07
P/FCF Ratio 19.58
P/OCF Ratio 19.37
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 83.74
EV / Sales 32.56
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 190.74

Financial Position

The company has a current ratio of 8.08, with a Debt / Equity ratio of 9.28.

Current Ratio 8.08
Quick Ratio 7.98
Debt / Equity 9.28
Debt / EBITDA n/a
Debt / FCF 172.86
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 13.65%.

Return on Equity (ROE) 13.65%
Return on Assets (ROA) 1.32%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $576,010
Profits Per Employee $223,955
Employee Count 309
Asset Turnover 0.03
Inventory Turnover n/a

Taxes

In the past 12 months, VEL has paid $30.27 million in taxes.

Income Tax 30.27M
Effective Tax Rate 30.25%

Stock Price Statistics

The stock price has decreased by -9.04% in the last 52 weeks. The beta is 1.26, so VEL's price volatility has been higher than the market average.

Beta (5Y) 1.26
52-Week Price Change -9.04%
50-Day Moving Average 18.17
200-Day Moving Average 18.99
Relative Strength Index (RSI) 28.26
Average Volume (20 Days) 93,431

Short Selling Information

The latest short interest is 241,396, so 0.66% of the outstanding shares have been sold short.

Short Interest 241,396
Short Previous Month 303,314
Short % of Shares Out 0.66%
Short % of Float 5.94%
Short Ratio (days to cover) 1.36

Income Statement

In the last 12 months, VEL had revenue of $177.99 million and earned $69.20 million in profits. Earnings per share was $1.94.

Revenue 177.99M
Gross Profit 128.58M
Operating Income 100.05M
Pretax Income 82.75M
Net Income 69.20M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.94
Full Income Statement

Balance Sheet

The company has $51.68 million in cash and $5.25 billion in debt, giving a net cash position of -$5.20 billion or -$142.50 per share.

Cash & Cash Equivalents 51.68M
Total Debt 5.25B
Net Cash -5.20B
Net Cash Per Share -$142.50
Equity (Book Value) 566.22M
Book Value Per Share 15.92
Working Capital 5.13B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $30.71 million and capital expenditures -$328,000, giving a free cash flow of $30.38 million.

Operating Cash Flow 30.71M
Capital Expenditures -328,000
Free Cash Flow 30.38M
FCF Per Share $0.83
Full Cash Flow Statement

Margins

Gross margin is 72.24%, with operating and profit margins of 56.21% and 39.36%.

Gross Margin 72.24%
Operating Margin 56.21%
Pretax Margin 56.21%
Profit Margin 39.36%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 17.07%

Dividends & Yields

VEL does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -3.65%
Shareholder Yield n/a
Earnings Yield 11.63%
FCF Yield 5.11%

Analyst Forecast

The average price target for VEL is $21.40, which is 30.41% higher than the current price. The consensus rating is "Buy".

Price Target $21.40
Price Target Difference 30.41%
Analyst Consensus Buy
Analyst Count 5
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 4