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STOCKS

Velocity Financial (VEL)

NYSE:VEL

VEL

Velocity Financial

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Velocity Financial (VEL) Ratios

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110 Followers

Velocity Financial Ratios

VEL's free cash flow for Q1 2025 was $0.32. For the 2025 fiscal year, VEL's free cash flow was decreased by $ and operating cash flow was $0.86. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	36.70	0.00	36.70	0.42	1.31
Quick Ratio	36.55	0.00	36.55	0.36	1.11
Cash Ratio	0.49	0.00	0.49	0.12	0.17
Solvency Ratio	0.03	0.01	0.03	0.03	0.04
Operating Cash Flow Ratio	0.53	0.00	0.53	0.19	0.72
Short-Term Operating Cash Flow Coverage	0.15	0.15	0.15	0.19	0.72
Net Current Asset Value	$ -9.91M	$ -3.89B	$ -9.91M	$ -2.34B	$ -1.78B
Leverage Ratios
Debt-to-Assets Ratio	0.87	0.87	0.87	0.84	0.82
Debt-to-Equity Ratio	8.70	8.86	8.70	6.96	7.88
Debt-to-Capital Ratio	0.90	0.90	0.90	0.87	0.89
Long-Term Debt-to-Capital Ratio	0.89	0.89	0.89	0.86	0.88
Financial Leverage Ratio	9.95	10.16	9.95	8.25	9.58
Debt Service Coverage Ratio	0.02	-0.04	0.02	-0.03	-0.03
Interest Coverage Ratio	1.09	0.38	1.09	0.38	0.23
Debt to Market Cap	10.64	6.93	10.64	7.60	13.82
Interest Debt Per Share	107.61	125.60	107.61	108.79	91.09
Net Debt to EBITDA	145.41	0.00	145.41	0.00	0.00
Profitability Margins
Gross Profit Margin	86.32%	100.00%	86.32%	82.33%	80.60%
EBIT Margin	-2.27%	-1.74%	-2.27%	-3.18%	-3.71%
EBITDA Margin	23.88%	0.00%	23.88%	0.00%	0.00%
Operating Profit Margin	184.76%	58.34%	184.76%	52.44%	35.06%
Pretax Profit Margin	47.87%	54.00%	47.87%	52.44%	35.06%
Net Profit Margin	34.61%	39.69%	34.61%	38.51%	26.95%
Continuous Operations Profit Margin	34.94%	39.70%	34.94%	38.51%	26.95%
Net Income Per EBT	72.30%	73.49%	72.30%	73.44%	76.86%
EBT Per EBIT	25.91%	92.56%	25.91%	100.00%	100.00%
Return on Assets (ROA)	0.86%	1.19%	0.86%	1.04%	0.85%
Return on Equity (ROE)	8.55%	12.06%	8.55%	8.57%	8.10%
Return on Capital Employed (ROCE)	4.70%	1.74%	4.70%	1.58%	1.14%
Return on Invested Capital (ROIC)	3.47%	13.36%	3.47%	19.89%	17.11%
Return on Tangible Assets	0.86%	1.19%	0.86%	1.04%	0.85%
Earnings Yield	10.46%	9.43%	10.46%	9.35%	14.21%
Efficiency Ratios
Receivables Turnover	0.97	3.68	0.97	0.85	0.76
Payables Turnover	0.14	0.00	0.14	0.15	0.20
Inventory Turnover	0.96	0.00	0.96	0.76	0.81
Fixed Asset Turnover	27.73	24.72	27.73	10.02	15.91
Asset Turnover	0.02	0.03	0.02	0.03	0.03
Working Capital Turnover Ratio	0.06	1.84	0.06	-1.00	-0.43
Cash Conversion Cycle	-1.87K	99.18	-1.87K	-1.60K	-878.64
Days of Sales Outstanding	374.44	99.18	374.44	429.56	478.64
Days of Inventory Outstanding	381.94	0.00	381.94	477.98	449.64
Days of Payables Outstanding	2.62K	0.00	2.62K	2.51K	1.81K
Operating Cycle	756.38	99.18	756.38	907.55	928.28
Cash Flow Ratios
Operating Cash Flow Per Share	1.53	1.52	1.53	2.53	2.73
Free Cash Flow Per Share	1.51	1.51	1.51	2.51	2.65
CapEx Per Share	0.01	<0.01	0.01	0.01	0.08
Free Cash Flow to Operating Cash Flow	0.99	1.00	0.99	0.99	0.97
Dividend Paid and CapEx Coverage Ratio	149.31	271.31	149.31	175.14	34.92
Capital Expenditure Coverage Ratio	149.31	271.31	149.31	175.14	34.92
Operating Cash Flow Coverage Ratio	0.01	0.01	0.01	0.02	0.03
Operating Cash Flow to Sales Ratio	0.52	0.37	0.52	0.76	0.83
Free Cash Flow Yield	15.70%	8.77%	15.70%	18.33%	42.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.56	10.61	9.56	10.69	7.04
Price-to-Sales (P/S) Ratio	3.31	4.21	3.31	4.12	1.90
Price-to-Book (P/B) Ratio	0.82	1.28	0.82	0.92	0.57
Price-to-Free Cash Flow (P/FCF) Ratio	6.37	11.40	6.37	5.46	2.35
Price-to-Operating Cash Flow Ratio	6.33	11.36	6.33	5.42	2.28
Price-to-Earnings Growth (PEG) Ratio	-0.42	0.17	-0.42	0.24	3.03
Price-to-Fair Value	0.82	1.28	0.82	0.92	0.57
Enterprise Value Multiple	159.26	0.00	159.26	0.00	0.00
Enterprise Value	3.54B	4.36B	3.54B	2.65B	1.84B
EV to EBITDA	159.26	0.00	159.26	0.00	0.00
EV to Sales	38.03	33.07	38.03	34.95	27.92
EV to Free Cash Flow	73.21	89.53	73.21	46.29	34.54
EV to Operating Cash Flow	72.72	89.20	72.72	46.03	33.55
Tangible Book Value Per Share	11.42	13.09	11.42	14.49	10.70
Shareholders’ Equity Per Share	11.81	13.46	11.81	14.95	10.93
Tax and Other Ratios
Effective Tax Rate	0.27	0.26	0.27	0.27	0.23
Revenue Per Share	2.92	4.09	2.92	3.33	3.28
Net Income Per Share	1.01	1.62	1.01	1.28	0.88
Tax Burden	0.72	0.73	0.72	0.73	0.77
Interest Burden	-21.05	-30.97	-21.05	-16.50	-9.46
Research & Development to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
SG&A to Revenue	0.35	0.03	0.35	0.37	0.34
Stock-Based Compensation to Revenue	0.04	0.03	0.04	0.03	0.01
Income Quality	1.50	0.93	1.50	1.97	3.09

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