Velocity Financial, Inc.

VEL

$18.35

-0.27%

N/A-$0.05

Financial Services

Financial - Mortgages

NYSE

Active Trading

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and ...

Fundamental Analysis of VEL

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Profitability

Net Margin15.36%

Operating Margin70.70%

Valuation

P/E Ratio6.60x

Current Ratio0.94

Efficiency

ROE15.83%

ROA1.35%

Fundamental Analysis of VEL

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

Key Strengths of VEL

Industry-leading gross margins
Strong cash flow generation
High R&D investment ratio
Market leadership in AI chips

Risk Factors of VEL

Premium valuation multiples
Semiconductor cycle exposure
Intense competition
Geographic concentration

Market Cap vs Revenue & Earnings

Earnings

n/a

Revenue

n/a

Market cap

$720.33M

6.6x

P/E Ratio

1.0x

P/S Ratio

Earnings & Revenue

Last Reportedn/a

Earnings per share (EPS)n/a

Gross Margin78.92%

Net Profit Margin15.36%

Debt/Equity Ratio9.77

Profitability Bridge (Current vs YoY)

How gross, operating and net margins shifted versus last year.

Revenue / Net Income / FCF History (USD B)

Growth Signals of VEL

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Revenue	—	—	—	—	Flat
Diluted EPS	—	—	—	—	Flat
Free Cash Flow	—	—	—	—	Flat

Profitability of VEL

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Net Margin	—	14.08%	—	—	Flat
Operating Margin	—	86.18%	—	—	Flat
ROE	—	—	—	—	Flat

Financial Health of VEL

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Current Ratio	—	0.939	—	—	Flat
Quick Ratio	—	0.939	—	—	Flat
Debt / Equity	—	9.774	—	—	Flat

Valuation of VEL

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
P/E	—	7.21x	—	—	Flat
P/B	—	0.99x	—	—	Flat

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Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer