Stocktoria
Velocity Financial, Inc. VEL
NYSE · XNYS · stock · Finance Services · website · IPO 2020-01-17
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3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $105.1M | $68.4M | $52.3M | $32.2M | $29.2M |
| Operating cash flow | $18.2M | $37.8M | $48.8M | $48.7M | $57.6M |
| Free cash flow | $17.9M | $37.5M | $48.7M | $48.3M | $57.5M |
| Total assets | $7.4B | $5.5B | $4.4B | $3.7B | $2.8B |
| Total liabilities | $6.7B | $5.0B | $4.0B | $3.4B | $2.5B |
| Shareholders' equity | $672.5M | $520.2M | $436.9M | $380.5M | $344.5M |
| Ratios | |||||
| Return on assets | 1.4% | 1.2% | 1.2% | 0.9% | 1.0% |
| Return on equity | 15.6% | 13.2% | 12.0% | 8.5% | 8.5% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 27,700 | $501,093 |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001692376 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.