What is Velocity Financial, Inc.'s earnings per share (EPS)?

Velocity Financial, Inc. (VEL) reported diluted earnings per share of $2.75 for fiscal year 2025. This represents a 44.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Velocity Financial, Inc. (VEL) Financials

VEL

Trailing 12 months to June 30, 2026

Revenue $200.1M +24.1% YoY

Net Income $107.7M +32.5% YoY

EPS (Diluted) $2.75 +24.4% YoY

Free Cash Flow $22.5M -15.2% YoY

Market Cap $580.8M as of Oct 17, 2026

Price / Sales 2.9x on $200.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 5.4x on $107.7M net income, trailing 12 months to June 30, 2026

Price / Book 0.8x on $721.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the VEL SEC filings page.

Velocity Financial, Inc. (VEL) reported $200.1M in revenue over the twelve months to Jun 30, 2026, up 24.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI VEL FY2025 2026-10-04

Profit has expanded as assets scaled, but cash conversion weakened while leverage climbed, making growth increasingly balance-sheet funded.

By FY2025, net income reached $105M while operating cash flow was only $18.2M, making accounting earnings materially larger than cash generation. Compared with FY2021, the relationship shifted from cash flow exceeding net income to cash flow trailing it, indicating weaker earnings-to-cash conversion as the balance sheet expanded.

Assets expanded from $2.8B in FY2021 to $7.4B in FY2025. Debt-to-equity rose from 7.2x to 10.0x, indicating that the larger platform relied increasingly on obligations rather than proportional equity growth.

Return on assets improved from 1.0% in FY2021 to 1.4% in FY2025. Return on equity rose from 8.6% to 15.6%, showing that leverage amplified shareholder returns beyond the improvement in asset productivity alone.

Financial Health Signals

Financial health score not available

Velocity Financial, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

Velocity Financial, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

0.17x

For every $1 of reported earnings, Velocity Financial, Inc. generates $0.17 in operating cash flow ($18.2M OCF vs $105.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$50.6M

YoY+5.3%

QoQ+6.2%

5Y CAGR+20.3%

Velocity Financial, Inc. generated $50.6M in revenue in Q2 2026. This represents an increase of 5.3% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.

Net Income

$25.2M

YoY-3.2%

QoQ+12.5%

5Y CAGR+21.6%

Velocity Financial, Inc. reported $25.2M in net income in Q2 2026. This represents a decrease of 3.2% from the same quarter a year earlier. Against the prior quarter it is up 12.5%.

EPS (Diluted)

$0.64

YoY-7.2%

QoQ+12.3%

5Y CAGR+18.0%

Velocity Financial, Inc. earned $0.64 per diluted share (EPS) in Q2 2026. This represents a decrease of 7.2% from the same quarter a year earlier. Against the prior quarter it is up 12.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$3.6M

YoY-52.0%

QoQ-69.8%

5Y CAGR-19.0%

Velocity Financial, Inc. generated $3.6M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 52.0% from the same quarter a year earlier. Against the prior quarter it is down 69.8%.

Cash & Debt

$76.1M

YoY-4.3%

QoQ-12.6%

5Y CAGR+22.4%

Velocity Financial, Inc. held $76.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

39M

YoY+2.7%

QoQ+0.6%

5Y CAGR+13.9%

Velocity Financial, Inc. had 39M shares outstanding in Q2 2026. This represents an increase of 2.7% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

49.7%

YoY-4.4pp

QoQ+2.8pp

5Y change+2.7pp

Velocity Financial, Inc.'s net profit margin was 49.7% in Q2 2026, showing the share of revenue converted to profit. This is down 4.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.8 percentage points.

Return on Equity

3.5%

YoY-0.9pp

QoQ+0.3pp

5Y change-0.6pp

Velocity Financial, Inc.'s ROE was 3.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$2.7M

YoY-45.1%

QoQ-39.6%

Velocity Financial, Inc. spent $2.7M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 45.1% from the same quarter a year earlier. Against the prior quarter it is down 39.6%.

Capital Expenditures

$98K

YoY+25.6%

QoQ+133.3%

5Y CAGR+13.1%

Velocity Financial, Inc. invested $98K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 25.6% from the same quarter a year earlier. Against the prior quarter it is up 133.3%.

R&D Spending

Not reported for Q2 2026.

VEL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

VEL quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Revenue	$200.1M	$187.9M+36.2%	$138.0M+25.9%	$109.6M+29.3%	$84.8M+11.2%	$76.2M+16.0%	$65.7M+14.8%	$57.3M+14.1%	$50.2M
SG&A Expenses	$217.3M	$197.4M+41.3%	$139.6M+38.8%	$100.6M+62.9%	$61.8M+33.5%	$46.3M+1.5%	$45.6M+29.7%	$35.1M+9.2%	$32.2M
Interest Expense	$322.4M	$365.0M+34.7%	$271.0M+33.5%	$203.0M+29.2%	$157.2M+48.3%	$106.0M+6.1%	$99.9M+1.4%	$98.5M+639.5%	$13.3M
Income Tax	$43.3M	$41.3M+47.7%	$27.9M+48.3%	$18.8M+56.5%	$12.0M+13.9%	$10.6M+97.5%	$5.4M-34.0%	$8.1M-30.2%	$11.6M
Net Income	$107.7M	$105.0M+53.5%	$68.4M+30.8%	$52.3M+62.4%	$32.2M+10.2%	$29.2M+64.4%	$17.8M+2.8%	$17.3M+126.6%	$7.6M
EPS (Basic)	N/A	$2.81+35.7%	$2.07+29.4%	$1.60+61.6%	$0.99+10.0%	$0.90+158.1%	-$1.55	N/A	N/A
EPS (Diluted)	$2.75	$2.75+44.0%	$1.91+25.7%	$1.52+61.7%	$0.94+9.3%	$0.86+155.5%	-$1.55	N/A	N/A
Diluted Shares (Avg)	N/A	38M+6.8%	36M+3.7%	34M+1.0%	34M+0.4%	34M+69.2%	20M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$50.6M+5.3%	$47.6M+25.3%	$52.2M+31.7%	$49.6M+39.5%	$48.1M+46.1%	$38.0M+27.3%	$39.6M+28.4%	$35.6M+28.4%
SG&A Expenses	$59.8M+15.1%	$54.3M+28.8%	$52.9M+35.1%	$50.4M+45.6%	$51.9M+48.8%	$42.2M+36.0%	$39.1M+33.7%	$34.6M+26.6%
Interest Expense	$112.1M+27.4%	$109.2M+34.4%	$6.1M0.0%	$95.0M+35.7%	$88.0M+34.6%	$81.2M+33.0%	$6.1M+48.4%	$70.0M+35.4%
Income Tax	$9.5M+22.6%	$8.6M+4.0%	$15.3M+36.2%	$10.0M+77.1%	$7.8M+50.2%	$8.2M+39.7%	$11.2M+118.5%	$5.6M+11.0%
Net Income	$25.2M-3.2%	$22.4M+18.4%	$34.8M+69.0%	$25.4M+60.6%	$26.0M+75.9%	$18.9M+9.5%	$20.6M+18.6%	$15.8M+30.8%
EPS (Basic)	$0.64-7.2%	$0.57+3.6%	$0.90+45.2%	$0.66+37.5%	$0.69+53.3%	$0.55+5.8%	$0.62+17.0%	$0.48+29.7%
EPS (Diluted)	$0.64-7.2%	$0.57+11.8%	$0.89+56.1%	$0.65+47.7%	$0.69+64.3%	$0.51+4.1%	$0.57+14.0%	$0.44+25.7%
Diluted Shares (Avg)	39M+4.0%	39M+6.4%	N/A	39M+8.1%	38M+6.2%	37M+3.9%	N/A	36M+3.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

VEL Balance Sheet

VEL quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Total Assets	$7.4B+33.5%	$5.5B+25.5%	$4.4B+17.5%	$3.7B+33.3%	$2.8B+33.7%	$2.1B-5.1%	$2.2B	N/A
Cash & Equivalents	$92.1M+84.6%	$49.9M+23.0%	$40.6M-10.3%	$45.2M+25.8%	$36.0M+171.0%	$13.3M-38.2%	$21.5M+43.0%	$15.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M	N/A	N/A	N/A
Total Liabilities	$6.7B+33.9%	$5.0B+26.2%	$4.0B+17.8%	$3.4B+36.5%	$2.5B+37.6%	$1.8B-13.0%	$2.1B	N/A
Total Equity	$672.5M+30.1%	$516.9M+19.3%	$433.4M+15.0%	$376.8M+10.5%	$341.1M+55.3%	$219.6M+43.7%	$152.8M+11.7%	$136.8M
Retained Earnings	$302.4M+53.2%	$197.3M+53.1%	$128.9M+68.2%	$76.6M+72.5%	$44.4M+192.3%	$15.2M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$8.0B+23.0%	$7.6B+27.1%	$7.4B+33.5%	$7.0B+33.8%	$6.5B+32.9%	$6.0B+29.0%	$5.5B+25.5%	$5.2B+26.4%
Cash & Equivalents	$76.1M-4.3%	$87.1M+68.5%	$92.1M+84.6%	$99.0M+124.4%	$79.6M+68.0%	$51.7M+48.4%	$49.9M+23.0%	$44.1M+50.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%	$6.8M0.0%
Total Liabilities	$7.2B+23.2%	$6.9B+27.6%	$6.7B+33.9%	$6.3B+34.1%	$5.9B+33.6%	$5.4B+29.6%	$5.0B+26.2%	$4.7B+27.5%
Total Equity	$721.5M+20.7%	$693.3M+23.1%	$672.5M+30.1%	$634.3M+30.9%	$597.9M+26.9%	$563.2M+24.3%	$516.9M+19.3%	$484.6M+16.4%
Retained Earnings	$349.9M+44.5%	$324.7M+50.2%	$302.4M+53.2%	$267.6M+51.4%	$242.2M+50.5%	$216.2M+47.9%	$197.3M+53.1%	$176.7M+58.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

VEL Cash Flow Statement

VEL quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Operating Cash Flow	$22.8M	$18.2M-51.9%	$37.8M-22.7%	$48.8M+0.3%	$48.7M-15.5%	$57.6M+5.0%	$54.9M+152.1%	-$105.3M-45.3%	-$72.5M
Depreciation & Amortization	N/A	$516K-34.9%	$793K+5.5%	$752K-5.5%	$796K-28.9%	$1.1M-8.2%	$1.2M-13.8%	$1.4M-1.4%	$1.4M
Stock-Based Compensation	N/A	$8.3M+34.6%	$6.2M+49.1%	$4.1M+23.5%	$3.3M+54.8%	$2.2M+123.7%	$965K	N/A	N/A
Capital Expenditures	$263K	$281K-2.8%	$289K+60.6%	$180K-44.8%	$326K+141.5%	$135K-81.4%	$726K-17.7%	$882K-32.3%	$1.3M
Free Cash Flow	$22.5M	$17.9M-52.3%	$37.5M-23.0%	$48.7M+0.6%	$48.3M-15.9%	$57.5M+6.1%	$54.2M+151.0%	-$106.2M-44.0%	-$73.8M
Investing Cash Flow	-$1.2B	-$1.5B-45.6%	-$1.0B-78.7%	-$584.7M+35.6%	-$908.2M-38.3%	-$656.5M-848.2%	$87.7M+128.7%	-$305.9M-13.2%	-$270.2M
Financing Cash Flow	$1.4B	$1.7B+65.5%	$1.0B+89.7%	$535.8M-38.7%	$874.0M+39.6%	$626.2M+517.8%	-$149.9M-135.5%	$422.1M+22.8%	$343.6M
Share Buybacks	$7.5M	$7.3M+373.2%	$1.6M+80.0%	$861K+88.0%	$458K	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$3.7M-51.2%	$12.1M+241.8%	-$4.5M-113.5%	$11.5M+165.2%	$7.7M-33.2%	$3.5M-66.6%	$33.3M+27.2%	-$17.6M-80.2%
Depreciation & Amortization	$131K-0.8%	$133K-3.6%	$123K-14.0%	$123K-56.5%	$132K-28.6%	$138K-24.2%	$143K-22.7%	$283K+52.2%
Stock-Based Compensation	$3.1M+51.7%	$2.7M+36.8%	N/A	$2.2M+36.8%	$2.0M+29.6%	$2.0M+43.7%	N/A	$1.6M+43.1%
Capital Expenditures	$98K+25.6%	$42K-47.5%	$57K-42.4%	$66K+1.5%	$78K-7.1%	$80K+95.1%	$99K-8.3%	$65K+170.8%
Free Cash Flow	$3.6M-52.0%	$12.0M+248.5%	-$4.5M-113.7%	$11.4M+164.6%	$7.6M-33.4%	$3.5M-67.2%	$33.2M+27.3%	-$17.6M-80.4%
Investing Cash Flow	-$199.9M+54.7%	-$351.4M+12.5%	-$250.1M+29.8%	-$429.1M-53.4%	-$441.2M-124.1%	-$401.4M-89.0%	-$356.1M-59.0%	-$279.7M-88.8%
Financing Cash Flow	$329.3M-27.8%	$202.1M-49.7%	$386.0M+18.3%	$438.2M+53.8%	$456.3M+121.5%	$401.5M+101.8%	$326.4M+53.5%	$284.9M+84.7%
Share Buybacks	$2.7M-45.1%	$4.5M+109.9%	$1K	$179K	$5.0M+1777.1%	$2.2M+68.4%	$0-100.0%	$0

Not reported in any period shown, so not listed: Dividends Paid.

VEL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

VEL quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Net Margin	55.9%+6.3pp	49.6%+1.9pp	47.7%+9.7pp	38.0%-0.3pp	38.3%+11.3pp	27.0%-3.2pp	30.2%+15.0pp	15.2%
Return on Equity	15.6%+2.4pp	13.2%+1.2pp	12.1%+3.5pp	8.6%0.0pp	8.6%+0.5pp	8.1%-3.2pp	11.3%+5.7pp	5.6%
Return on Assets	1.4%+0.2pp	1.2%0.0pp	1.2%+0.3pp	0.9%-0.2pp	1.0%+0.2pp	0.9%+0.1pp	0.8%	N/A
Debt-to-Equity	9.97+0.3x	9.69+0.5x	9.15+0.2x	8.94+1.7x	7.24-0.9x	8.17-5.3x	13.49	N/A
Asset Turnover	0.030.0x	0.030.0x	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.03	N/A
FCF Margin	9.5%-17.6pp	27.2%-17.2pp	44.4%-12.6pp	57.0%-18.4pp	75.4%-7.0pp	82.4%	-185.5%	-147.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	49.7%-4.4pp	46.9%-2.7pp	66.7%+14.7pp	51.1%+6.7pp	54.1%+9.2pp	49.7%-8.1pp	52.0%-4.3pp	44.4%+0.8pp
Return on Equity	3.5%-0.9pp	3.2%-0.1pp	5.2%+1.2pp	4.0%+0.7pp	4.3%+1.2pp	3.4%-0.5pp	4.0%0.0pp	3.3%+0.4pp
Return on Assets	0.3%-0.1pp	0.3%0.0pp	0.5%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.3%-0.1pp	0.4%0.0pp	0.3%0.0pp
Debt-to-Equity	10.03+0.2x	9.94+0.3x	9.97+0.3x	9.97+0.2x	9.83+0.5x	9.60+0.4x	9.69+0.5x	9.73+0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	7.2%-8.6pp	25.3%+16.2pp	-8.7%-92.5pp	22.9%+72.5pp	15.8%-18.8pp	9.1%-26.2pp	83.8%-0.7pp	-49.6%-14.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Velocity Financial, Inc. VEL	FY2025	$187.9M	$105.0M	55.9%	$580.8M	—
Guild Holdings Company GHLD	FY2024	$1.0B	$97.1M	9.3%	$1.2B	8/100
Onity Group Inc. ONIT	FY2025	$1.1B	$189.5M	17.8%	$213.8M	6/100
loanDepot, Inc. LDI	FY2025	$1.2B	-$107.5M	-9.0%	$180.7M	14/100
Better Home & Finance Holding Company BETR	FY2025	$164.9M	-$165.9M	N/A	$189.2M	51/100

Where Velocity Financial, Inc. Ranks

Frequently Asked Questions

What is Velocity Financial, Inc.'s annual revenue?

Velocity Financial, Inc. (VEL) reported $187.9M in total revenue for fiscal year 2025. This represents a 36.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Velocity Financial, Inc.'s revenue growing?

Velocity Financial, Inc. (VEL) revenue grew by 36.2% year-over-year, from $138.0M to $187.9M in fiscal year 2025.

Is Velocity Financial, Inc. profitable?

Yes, Velocity Financial, Inc. (VEL) reported a net income of $105.0M in fiscal year 2025, with a net profit margin of 55.9%.

What is Velocity Financial, Inc.'s net profit margin?

Velocity Financial, Inc. (VEL) had a net profit margin of 55.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Velocity Financial, Inc.'s return on equity (ROE)?

Velocity Financial, Inc. (VEL) has a return on equity of 15.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Velocity Financial, Inc.'s free cash flow?

Velocity Financial, Inc. (VEL) generated $17.9M in free cash flow during fiscal year 2025. This represents a -52.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Velocity Financial, Inc.'s operating cash flow?

Velocity Financial, Inc. (VEL) generated $18.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Velocity Financial, Inc.'s total assets?

Velocity Financial, Inc. (VEL) had $7.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Velocity Financial, Inc.'s capital expenditures?

Velocity Financial, Inc. (VEL) invested $281K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Velocity Financial, Inc. buy back shares?

Yes, Velocity Financial, Inc. (VEL) spent $7.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Velocity Financial, Inc. have outstanding?

Velocity Financial, Inc. (VEL) had 39M shares outstanding as of fiscal year 2025.

What is Velocity Financial, Inc.'s debt-to-equity ratio?

Velocity Financial, Inc. (VEL) had a debt-to-equity ratio of 9.97 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Velocity Financial, Inc.'s return on assets (ROA)?

Velocity Financial, Inc. (VEL) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Velocity Financial, Inc.'s P/E ratio?

Velocity Financial, Inc. (VEL) trades at 5.4x earnings, its market capitalization divided by net income of $107.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $580.8M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Velocity Financial, Inc.'s price-to-sales ratio?

Velocity Financial, Inc. (VEL) trades at 2.9x sales, its market capitalization divided by revenue of $200.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $580.8M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Velocity Financial, Inc.'s Piotroski F-Score?

Velocity Financial, Inc. (VEL) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Velocity Financial, Inc.'s earnings high quality?

Velocity Financial, Inc. (VEL) has an earnings quality ratio of 0.17x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.