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Velocity Financial, Inc.

VEL

$17.53 ▲ +0.72 (+4.28%) at close

9 Visible periods

24 Metrics

Peer-ranked Benchmarks

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Health

Excellent

Bullish

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Analytical Summary

Velocity Financial, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $646.0M

Dividend Yield —

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 6.2x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$105.05M

↑ +53.5% —

trending_up

Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Returns ↑

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
EPS Growth YoY (%)	35.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	29.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	61.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	10.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—
Net Income Growth YoY (%)	53.5% Excellent ↑ Excellent Improving Year-over-year change in net income	30.9% Excellent ↓ Excellent Declining Year-over-year change in net income	62.3% Excellent ↑ Excellent Improving Year-over-year change in net income	10.2% Fair ↓ Fair Declining Year-over-year change in net income	64.4% Excellent → Excellent Stable Year-over-year change in net income	2.8% Caution Caution Year-over-year change in net income	126.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	41.6% Excellent Excellent Compound annual EPS growth over 3 years	32.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Effective Tax Rate (%) (%)	28.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	60.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	15.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+30%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	11.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	5.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Basic EPS, GAAP (USD)	$2.81	$2.07	$1.60	$0.99	$0.90	$-1.55	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$16.99	$15.41	$13.19	$11.60	$10.56	$10.93	—	—	—
Tangible Book Value per Share (USD)	$16.82	$15.21	$12.98	$11.39	$10.35	$10.93	—	—	—
Basic Weighted Avg Shares (shares)	36.85M	32.65M	32.21M	31.91M	22.81M	20.09M	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$672.53M	$516.94M	$433.44M	$376.81M	$341.11M	$219.59M	$152.84M	$136.80M	$130.94M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Depreciation Expense (USD)	$516.00K	$793.00K	$752.00K	$796.00K	$1.12M	$1.22M	$1.41M	$1.43M	—
Net Income, GAAP (USD)	$105.05M	$68.42M	$52.27M	$32.21M	$29.22M	$17.78M	$17.29M	$7.63M	—
Operating Cash Flow (USD)	$18.16M	$37.76M	$48.84M	$48.67M	$57.62M	$54.89M	$-105.34M	$-72.48M	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.5%	2.4%	2.2%	2.7%	3.2%	2.7%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 9 years · 32 quarters

Velocity Financial, Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

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