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Velocity Financial logo
Velocity Financial VEL
$ 17.62 0.74%
report update icon

Quarterly report 2026-Q1
added 05-30-2026

Velocity Financial Financial Ratios 2025-2011 | VEL

Brief overview of Velocity Financial's multiples and efficiency

The comparison uses the five latest available annual observations between 2021 and 2025.

The latest available valuation ratios are P/E 18.53x (median 10.69x), P/B 0.95x (median 0.95x), P/CF 35.51x (median 11.41x). On average, this basket is 73.3% above its own five-year medians. The market is pricing in elevated future expectations.

Earnings yield calculated as 1/P/E is about 5.4%, showing current profit per unit of share price.

The latest available business-quality ratios are ROE 5.2%, ROA 0.5%, ROCE 0.6%. Low capital returns limit the ability to compound value internally.

Current PEG of 11.61x points to a premium over forecast earnings momentum.

Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.

Conclusion

Velocity Financial's profile looks stretched: price anticipates improvement that current quality ratios do not yet confirm.

Annual Financial Ratios Velocity Financial

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

 18.5 27.8 10.7 8.1 10.7 7.0 15.7 - 0.0 0.0 - - - - -

P/S

 - - - - - - 5.0 - 0.0 0.0 - - - - -

EPS

 2.8 2.1 1.6 1.0 0.9 -1.6 - - - - - - - - -

EV (Enterprise Value)

 7.26 B 5.53 B 4.48 B 3.58 B 2.74 B 2 B 2.31 B 1.6 B 1.24 B 190 K 5.32 M 2.66 M - - -

EBITDA per Share

 0.01 0.02 0.02 0.02 0.05 0.06 - - - - - - - - -

EV/EBITDA

 14067.0 6971.9 5963.2 4501.7 2438.4 246.9 - - - -21.2 - - - - -

PEG

 -0.73 - - - - -2.95 11.61 - 0.0 0.07 - - - - -

P/B

 1.0 1.1 1.3 0.7 0.9 0.6 1.8 - 0.0 0.0 - - - - -

P/CF

 35.5 15.1 11.4 5.3 5.4 2.3 -2.5 - 0.0 0.0 - - - - -

ROE %

 5.17 3.98 12.06 8.47 8.48 8.10 11.31 - 10.68 4.58 - - - - -

ROA %

 0.47 0.37 1.19 0.86 1.04 0.85 0.78 - 1.02 0.60 - - - - -

ROCE %

 - - - - - - - - - 0.61 - - - - -

Current Ratio

 1.1 1.1 1.1 1.1 1.1 1.1 - - - - - - - - -

DSO

 - - - - - - 455.6 - 371.9 27.6 - - - - -

Operating Cycle

 - - - - - - - - - 27.6 - - - - -

Cash Conversion Cycle

 - - - - - - - - - 27.6 - - - - -

All numbers in USD currency

Quarterly Financial Ratios Velocity Financial

2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

 0.57 0.66 0.69 0.55 - 0.48 0.45 0.52 0.37 0.37 0.33 - - - 0.1 - 0.25 0.29 0.11 - 0.17 -2.33 0.13 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

 - 0.01 0.01 - - 0.02 0.01 0.01 0.02 0.01 0.01 - - - 0.01 - - - 0.01 - 0.05 0.03 0.02 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

 14.93 14.96 14.10 13.53 10.18 13.08 12.85 12.46 9.59 9.13 9.41 6.67 6.67 6.67 10.72 11.33 13.24 11.51 8.44 8.10 7.13 8.08 9.42 11.31 2.54 2.31 3.07 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

 1.38 1.39 1.32 1.22 0.90 1.21 1.18 0.88 0.98 0.98 1.00 0.72 0.72 0.72 1.14 1.20 1.36 1.19 0.88 0.85 0.62 0.63 0.69 0.78 0.18 0.16 0.21 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

 1.1 1.1 1.1 1.1 1.1 1.1 1.1 - 1.1 1.1 1.1 - - - 1.1 1.1 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.1 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company Velocity Financial, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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