Velocity Financial Financials

VEL Stock  USD 19.76  0.01  0.05%   
Velocity Financial Llc is performing exceptionally good at the present time. It has a great chance to report excellent financial results in March. At this time, Velocity Financial's Other Assets are quite stable compared to the past year. Long Term Debt is expected to rise to about 5.4 B this year, although the value of Cash will most likely fall to about 30.8 M.
 
Covid
 
Interest Hikes

Velocity Financial Balance Sheet Chart

At this time, Velocity Financial's Other Assets are quite stable compared to the past year. Long Term Debt is expected to rise to about 5.4 B this year, although the value of Cash will most likely fall to about 30.8 M.
Key indicators impacting Velocity Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio6.448.46
Way Down
Slightly volatile
Operating Income116.4 M110.8 M
Sufficiently Up
Slightly volatile
Current Ratio0.70.49
Significantly Up
Slightly volatile
The essential information of the day-to-day investment outlook for Velocity Financial includes many different criteria found on its balance sheet. An individual investor should research Velocity Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Velocity Financial.

Cash And Equivalents

35.06 Million

  
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Velocity Financial Stock Summary

Velocity Financial competes with Mercantile Bank, Oppenheimer Holdings, Northeast Bancorp, Nuveen Churchill, and CNB Financial. Velocity Financial, Inc. operates as a real estate finance company in the United States. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California. Velocity Financial operates under Mortgage Finance classification in the United States and is traded on New York Stock Exchange. It employs 215 people.
Foreign Associate
  UK
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS92262D1019
Business Address2945 Townsgate Road,
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.velfinance.com
Phone818 532 3700
CurrencyUSD - US Dollar

Velocity Financial Key Financial Ratios

Velocity Financial Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets2.8B3.7B4.4B5.5B6.4B6.7B
Net Debt2.3B3.2B3.8B4.8B5.5B5.8B
Cash36.1M45.2M40.8M50.1M57.6M30.8M
Other Assets2.7B375.2M4.3B5.4B6.2B6.5B
Long Term Debt2.1B2.9B3.5B4.5B5.2B5.4B
Net Receivables89.3M87.2M120.9M160.1M144.1M130.9M
Long Term Debt Total2.4B3.3B3.5B4.5B5.2B5.4B
Other Current Assets(154.9M)(170.8M)2.0M2.1M1.9M2.0M
Total Liab2.5B3.4B4.0B5.0B5.8B6.0B
Common Stock323K376.8M331K339K305.1K289.8K
Total Current Assets125.4M3.4B163.7M212.3M244.2M467.6M
Net Tangible Assets147.6M215.0M337.7M370.0M425.5M228.4M
Retained Earnings44.4M76.6M128.9M197.3M177.6M96.2M
Accounts Payable92.2M91.5M122.0M147.8M170.0M178.5M
Inventory15.8M17.6M13.3M44.3M50.9M53.5M
Cash And Equivalents36.0M45.2M40.6M49.9M57.4M35.1M
Short Term Debt301.1M330.8M334.8M348.1M400.3M258.3M
Other Current Liab(301.1M)(330.8M)(670.8M)(495.9M)(446.3M)(468.6M)
Net Invested Capital2.7B3.7B4.3B5.4B6.2B3.1B
Short Long Term Debt301.1M330.8M334.8M348.1M400.3M290.6M
Intangible Assets7.2M9.2M8.6M13.7M15.8M8.0M

Velocity Financial Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense106.0M157.2M203.0M247.2M284.3M298.5M
Total Revenue181.3M248.4M131.7M482.8M555.2M583.0M
Gross Profit75.6M90.0M131.7M210.6M242.1M254.3M
Operating Income39.8M44.6M76.8M96.4M110.8M116.4M
Ebitda42.2M46.7M279.0M98.4M113.1M62.3M
Cost Of Revenue105.7M158.3M32.9M272.2M313.0M328.7M
Income Before Tax39.8M44.6M71.1M96.4M110.8M116.4M
Net Income29.2M32.2M52.3M68.4M78.7M82.6M
Interest Income182.0M240.3M290.1M413.3M475.3M499.1M
Tax Provision10.6M12.0M17.2M27.9M32.1M33.7M
Net Interest Income76.0M83.1M97.7M142.3M163.6M171.8M
Ebit39.8M44.6M215.3M96.4M110.8M59.2M
Income Tax Expense10.6M12.0M18.8M27.9M25.1M20.5M

Velocity Financial Key Cash Accounts

202120222023202420252026 (projected)
Investments685.2M815.9M(450.0M)(1.0B)(940.6M)(893.5M)
Change In Cash27.3M14.5M(129K)8.9M10.2M7.2M
Net Borrowings65.8M18.6M537.7M1.0B1.2B1.2B
Free Cash Flow57.3M48.3M60.9M37.5M43.1M45.2M
Depreciation2.4M2.1M2.3M2M2.3M2.1M
Other Non Cash Items21.0M17.1M(9.4M)(47.1M)(42.4M)(40.2M)
Capital Expenditures135K326K180K289K260.1K247.1K
Net Income29.2M32.5M51.5M68.5M78.7M82.7M
End Period Cash Flow47.6M62.1M61.9M70.8M81.5M45.8M
Change To Netincome(136.2M)9.0M(16.8M)10.2M11.7M12.3M

Velocity Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Velocity Financial's current stock value. Our valuation model uses many indicators to compare Velocity Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Velocity Financial competition to find correlations between indicators driving Velocity Financial's intrinsic value. More Info.
Velocity Financial Llc is rated fourth in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Velocity Financial Llc is roughly  10.79 . At this time, Velocity Financial's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Velocity Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from Velocity Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Velocity Financial Llc current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Velocity Financial Llc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in discontinued.
At this time, Velocity Financial's Selling General Administrative is quite stable compared to the past year. Tax Provision is expected to rise to about 33.7 M this year, although the value of Sales General And Administrative To Revenue will most likely fall to 0.14.
 2023 2024 2025 2026 (projected)
Gross Profit131.7M210.6M242.1M254.3M
Total Revenue131.7M482.8M555.2M583.0M

Velocity Financial fundamental ratios Correlations

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1.00.440.511.00.78-0.040.911.00.210.050.731.0-0.080.311.0-0.210.710.790.980.32-0.690.82-0.070.980.79
0.450.440.250.450.840.850.30.440.10.890.250.440.030.870.44-0.050.60.40.420.13-0.140.430.030.40.32
0.450.510.250.460.460.020.440.47-0.030.120.170.48-0.280.330.46-0.030.690.070.350.01-0.760.33-0.180.420.52
1.01.00.450.460.77-0.030.931.00.180.050.731.0-0.030.321.0-0.250.690.830.990.28-0.650.82-0.050.990.77
0.770.780.840.460.770.440.60.770.310.520.650.78-0.130.630.77-0.010.770.560.740.36-0.490.80.020.730.63
-0.03-0.040.850.02-0.030.44-0.12-0.03-0.080.99-0.25-0.040.190.8-0.040.050.240.08-0.05-0.090.26-0.110.14-0.09-0.13
0.930.910.30.440.930.6-0.120.93-0.19-0.060.650.920.150.360.93-0.560.610.880.91-0.07-0.560.690.050.930.68
1.01.00.440.471.00.77-0.030.930.160.050.721.0-0.010.321.0-0.250.690.830.990.27-0.650.8-0.030.980.76
0.180.210.1-0.030.180.31-0.08-0.190.16-0.030.310.2-0.54-0.380.180.80.12-0.170.210.99-0.280.38-0.30.150.27
0.050.050.890.120.050.520.99-0.060.05-0.03-0.180.050.110.830.040.050.340.080.02-0.030.14-0.010.06-0.01-0.02
0.740.730.250.170.730.65-0.250.650.720.31-0.180.74-0.340.080.74-0.210.580.60.760.37-0.370.93-0.120.80.79
1.01.00.440.481.00.78-0.040.921.00.20.050.74-0.060.311.0-0.230.70.810.990.31-0.670.82-0.070.980.78
-0.04-0.080.03-0.28-0.03-0.130.190.15-0.01-0.540.11-0.34-0.060.22-0.04-0.31-0.40.37-0.01-0.520.29-0.310.73-0.1-0.57
0.320.310.870.330.320.630.80.360.32-0.380.830.080.310.220.32-0.440.540.390.27-0.36-0.060.230.090.30.2
1.01.00.440.461.00.77-0.040.931.00.180.040.741.0-0.040.32-0.260.690.830.990.28-0.660.82-0.060.990.78
-0.26-0.21-0.05-0.03-0.25-0.010.05-0.56-0.250.80.05-0.21-0.23-0.31-0.44-0.26-0.19-0.53-0.250.75-0.04-0.15-0.01-0.34-0.21
0.690.710.60.690.690.770.240.610.690.120.340.580.7-0.40.540.69-0.190.430.630.17-0.580.7-0.270.70.87
0.830.790.40.070.830.560.080.880.83-0.170.080.60.810.370.390.83-0.530.430.86-0.07-0.190.570.280.820.49
0.990.980.420.350.990.74-0.050.910.990.210.020.760.99-0.010.270.99-0.250.630.860.31-0.580.82-0.030.980.76
0.290.320.130.010.280.36-0.09-0.070.270.99-0.030.370.31-0.52-0.360.280.750.17-0.070.31-0.340.44-0.320.250.34
-0.65-0.69-0.14-0.76-0.65-0.490.26-0.56-0.65-0.280.14-0.37-0.670.29-0.06-0.66-0.04-0.58-0.19-0.58-0.34-0.60.37-0.63-0.6
0.820.820.430.330.820.8-0.110.690.80.38-0.010.930.82-0.310.230.82-0.150.70.570.820.44-0.6-0.20.850.81
-0.06-0.070.03-0.18-0.050.020.140.05-0.03-0.30.06-0.12-0.070.730.09-0.06-0.01-0.270.28-0.03-0.320.37-0.2-0.14-0.43
0.990.980.40.420.990.73-0.090.930.980.15-0.010.80.98-0.10.30.99-0.340.70.820.980.25-0.630.85-0.140.83
0.780.790.320.520.770.63-0.130.680.760.27-0.020.790.78-0.570.20.78-0.210.870.490.760.34-0.60.81-0.430.83
Click cells to compare fundamentals

Velocity Financial Account Relationship Matchups

Velocity Financial fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets2.8B3.7B4.4B5.5B6.4B6.7B
Net Debt2.3B3.2B3.8B4.8B5.5B5.8B
Cash36.1M45.2M40.8M50.1M57.6M30.8M
Other Assets2.7B375.2M4.3B5.4B6.2B6.5B
Long Term Debt2.1B2.9B3.5B4.5B5.2B5.4B
Net Receivables89.3M87.2M120.9M160.1M144.1M130.9M
Long Term Debt Total2.4B3.3B3.5B4.5B5.2B5.4B
Other Current Assets(154.9M)(170.8M)2.0M2.1M1.9M2.0M
Total Liab2.5B3.4B4.0B5.0B5.8B6.0B
Common Stock323K376.8M331K339K305.1K289.8K
Total Current Assets125.4M3.4B163.7M212.3M244.2M467.6M
Net Tangible Assets147.6M215.0M337.7M370.0M425.5M228.4M
Retained Earnings44.4M76.6M128.9M197.3M177.6M96.2M
Accounts Payable92.2M91.5M122.0M147.8M170.0M178.5M
Inventory15.8M17.6M13.3M44.3M50.9M53.5M
Cash And Equivalents36.0M45.2M40.6M49.9M57.4M35.1M
Short Term Debt301.1M330.8M334.8M348.1M400.3M258.3M
Other Current Liab(301.1M)(330.8M)(670.8M)(495.9M)(446.3M)(468.6M)
Net Invested Capital2.7B3.7B4.3B5.4B6.2B3.1B
Short Long Term Debt301.1M330.8M334.8M348.1M400.3M290.6M
Intangible Assets7.2M9.2M8.6M13.7M15.8M8.0M
Today, most investors in Velocity Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Velocity Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Velocity Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.29

At this time, Velocity Financial's Price Earnings To Growth Ratio is quite stable compared to the past year.

Velocity Financial February 15, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Velocity Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Velocity Financial Llc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Velocity Financial Llc based on widely used predictive technical indicators. In general, we focus on analyzing Velocity Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Velocity Financial's daily price indicators and compare them against related drivers.
When determining whether Velocity Financial Llc is a strong investment it is important to analyze Velocity Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Velocity Financial's future performance. For an informed investment choice regarding Velocity Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Velocity Financial Llc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in discontinued.
You can also try the Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Velocity Financial. If investors know Velocity will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Velocity Financial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.485
Earnings Share
2.43
Revenue Per Share
6.471
Quarterly Revenue Growth
1.623
Return On Assets
0.015
Investors evaluate Velocity Financial Llc using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Velocity Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Velocity Financial's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Velocity Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Velocity Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Velocity Financial's market price signifies the transaction level at which participants voluntarily complete trades.