Velocity Financial, Inc. VEL

Latest FY: 2025 Financial Services Mortgage Finance
Market Price $18.02
Market Cap $707.38M
P/E Ratio N/A
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑36.8% YoY
$185.78M
3-Yr CAGR: 30.7%
Net Income ↑53.3% YoY
$104.98M
Net Margin: 56.5%
Free Cash Flow ↓-52.3% YoY
$17.88M
FCF Yield: 2.53%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity Efficiency
15.5%
ROA: 1.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (VEL)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2024: Revenue YoY (+26.0%) is identical to Gross Profit YoY (+26.0%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
  • FY 2025: Revenue YoY (+36.8%) is identical to Gross Profit YoY (+36.8%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2018 $48.8M $26.9M $7.6M $-72.5M $-73.8M
FY 2019 $59.0M +20.9% $50.8M $25.4M +232.8% $-105.3M $-106.2M -44.0%
FY 2020 $67.4M +14.3% $46.3M $23.1M -8.9% 0.00% $54.9M $54.2M +151.0%
FY 2021 $76.0M +12.6% $76.0M $39.8M +72.0% 0.00% $57.6M $57.5M +6.1%
FY 2022 $83.1M +9.4% $77.1M $32.5M -18.3% 0.00% $48.7M $48.3M -15.9%
FY 2023 $107.8M +29.6% $107.8M $52.3M +60.8% 0.00% $48.8M $48.7M +0.6%
FY 2024 $135.8M +26.0% $135.8M $68.5M +30.9% 0.00% $37.8M $37.5M -23.0%
FY 2025 $185.8M +36.8% $185.8M $105.0M +53.3% 0.00% $18.2M $17.9M -52.3%
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Valuation

Market Price $18.02
Market Cap $707.38M
Enterprise Value $615.28M
P/E Ratio N/A
P/B Ratio 1.05
FCF Yield 2.53%
Dividend Yield N/A
Shares Outstanding 39,255,300
%

Profitability & Margins

Gross Margin 35.30%
Operating Margin 135.23%
Net Margin 56.51%
Return on Equity (ROE) 15.54%
Return on Assets (ROA) 1.42%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 30.73%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $92.10M
Total Debt N/A
Book Value / Share $17.21
💧

Cash Flow Efficiency

Operating Cash Flow $18.16M
Capital Expenditures (CapEx) $281.00K
Free Cash Flow $17.88M
OCF / Revenue 9.78%
FCF / Revenue 9.62%
FCF 3-Yr CAGR -28.22%
🏷️

Per Share Metrics

EPS (Diluted) N/A
EPS (Basic) N/A
Dividends / Share N/A
Book Value / Share $17.21
EPS YoY Growth N/A
🏛️

Balance Sheet (FY 2025)

Total Assets $7.38B
Total Liabilities $6.71B
Stockholders' Equity $675.69M
Current Assets N/A
Current Liabilities N/A