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    • Velocity Financial Inc. logo

    Velocity Financial Inc.

    VEL | NYSE
    Chart Builder DCF Calculator
    $16.15
    +$0.15 (+0.94%)
    At close: Sep 21, 2026, 4:00 PM ET
    $16.15
    $0 (0.00%)
    After-hours: Sep 21, 2026, 4:01 PM ET
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $628.08M
    Enterprise Value
    $874.94M
    Beta
    0.70
    Average Volume
    96.8K
    Shares Outstanding (Diluted)
    39.3M
    Shares Change YoY
    4.01%
    Institutional Ownership
    99.94%
    Exchange
    NYSE
    ISIN
    US92262D1019

    Price Performance

    Price Change 1M
    -13.9%
    Price Change 3M
    -8.6%
    Price Change 6M
    -8.7%
    Price Change YTD
    -17.4%
    Price Change 1Y
    -12.3%
    Price Change 3Y
    44.5%
    Price Change 5Y
    22.1%
    1M CAGR (ann.)
    -12.1%
    1Y CAGR (ann.)
    -12.5%
    5Y CAGR (ann.)
    4.2%
    All-Time CAGR
    2.6%

    Valuation

    PE Ratio
    5.87
    Forward PE
    5.31
    PEG Ratio
    0.31
    Forward PEG
    0.72
    PS Ratio
    1.21
    Forward PS
    2.10
    PB Ratio
    0.88
    P/FCF Ratio
    28.27
    P/Adj. FCF Ratio
    51.25
    P/OCF Ratio
    27.37
    EV/Sales
    1.67
    EV/EBIT
    2.68
    EV/EBITDA
    2.34
    EV/FCF
    39.01
    Earnings Yield
    17.0%
    FCF Yield
    3.5%
    Adj. FCF Yield
    1.9%

    Financial Health

    Net Debt
    $240.97M
    Total Debt
    $486.17M
    Cash & Short-Term Investments
    $245.2M
    Total Assets
    $7.96B
    Current Ratio
    0.94
    Quick Ratio
    0.94
    Debt / Equity Ratio
    9.77
    Debt / EBITDA
    1.30
    Debt / FCF
    21.68
    OCF / Debt
    0.05
    Interest Coverage
    1.19
    Altman Z-Score
    0.31
    Piotroski F-Score
    6

    Margins & Profitability

    Gross Profit Margin
    78.9%
    Operating Profit Margin
    74.4%
    EBITDA Margin
    67.7%
    Net Profit Margin
    15.4%
    FCF Margin
    4.3%
    Adj. FCF Margin
    2.4%
    SBC / Revenue
    1.4%
    SBC Impact (per share)
    -44.9%

    Returns

    Return on Assets
    1.4%
    Return on Equity
    15.8%
    Return on Invested Capital
    114.2%
    Return on Capital Employed
    6.6%
    Return on Tangible Assets
    1.4%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    20.3%
    Revenue CAGR 5Y
    24.9%
    Revenue CAGR 10Y
    28.9%
    EPS CAGR 3Y
    31.8%
    EPS CAGR 5Y
    28.7%
    EPS CAGR 10Y
    22.6%
    FCF CAGR 3Y
    -30.9%
    FCF CAGR 5Y
    -15.3%
    FCF CAGR 10Y
    N/A

    Analyst Forecasts

    Analyst Rating
    Buy
    Analyst Count
    7
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Nov 4, 2026
    EPS Estimate (next Q)
    $0.71
    EPS Growth Est (next Q)
    3.6%
    Revenue Est (next Q)
    $93.15M
    Revenue Growth Est (next Q)
    -45.9%

    Fair Value Estimates

    Graham Number
    $34.03
    Graham Upside
    110.7%
    Lynch Fair Value
    $68.75
    Lynch Upside
    325.7%
    Price Target
    $22
    Price Target Upside
    36.2%

    Cash Flow

    Operating Cash Flow
    $22.79M
    Free Cash Flow
    $22.43M
    Adj. Free Cash Flow
    $12.37M
    FCF Per Share
    $0.58
    OCF Per Share
    $0.59
    OCF/S Ratio
    3.2%

    Income Statement

    Revenue
    $522.54M
    Gross Profit
    $395.71M
    Operating Income
    $388.85M
    EBITDA
    $374.41M
    Net Income
    $107.36M
    EPS (Diluted)
    $2.75
    Revenue / Employee
    $1.42M
    Profit / Employee
    $291.73K
    Employees
    368

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