Stocktoria

Velocity Financial, Inc. VEL

NYSE · stock · Finance Services · website · IPO 2020-01-17

Velocity Financial, Inc. statistics & valuation

Market cap$696.4M
P / E6.6×
P / B1.0×
P / FCF38.9×
Return on equity15.5%
Graham number +81.9%$32.76

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($32.76); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2019202020212022202320242025
Operating margin (%)
2019202020212022202320242025
Return on equity (%)
11.30% 8.10% 8.50% 8.50% 12.00% 13.20% 15.50% 2019202020212022202320242025
Shares outstanding
0 20.1M 34.0M 34.1M 34.5M 35.8M 39.0M 2019202020212022202320242025
Net debt ($)
2019202020212022202320242025
Share buybacks ($)
2019202020212022202320242025
Return on assets (%)
0.80% 0.80% 1.00% 0.90% 1.20% 1.20% 1.40% 2019202020212022202320242025
Free cash flow margin (%)
2019202020212022202320242025
Debt / equity (×)
2019202020212022202320242025
EPS ($)
-$1.55 $0.86 $0.94 $1.52 $1.91 $2.75 2019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Velocity Financial, Inc. trades at about 6.5× earnings — below its 10-year norm (10-year range 7.4×–15×, median 10.4×).

6.5× 15×

Shaded band = 10-year range (7.4×–15×); dot = today's 6.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019
Return on assets1.4%1.2%1.2%0.9%1.0%0.8%0.8%
Return on equity15.5%13.2%12.0%8.5%8.5%8.1%11.3%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.