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STOCKS

Velocity Financial (VEL)

NYSE:VEL

VEL

Velocity Financial

RESEARCH TOOLSreports

Velocity Financial (VEL) Ratios

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116 Followers

Velocity Financial Ratios

VEL's free cash flow for Q4 2025 was $1.91. For the 2025 fiscal year, VEL's free cash flow was decreased by $ and operating cash flow was $1.32. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.46	0.00	0.43	0.36	0.34
Quick Ratio	0.46	0.00	0.43	0.36	0.34
Cash Ratio	0.30	0.00	0.10	0.09	0.11
Solvency Ratio	0.02	0.02	0.01	0.01	0.01
Operating Cash Flow Ratio	0.06	0.00	0.08	0.13	0.12
Short-Term Operating Cash Flow Coverage	0.06	0.06	0.11	0.18	0.15
Net Current Asset Value	$ -6.56B	$ -6.56B	$ -4.79B	$ -3.80B	$ -3.23B
Leverage Ratios
Debt-to-Assets Ratio	0.89	0.89	0.88	0.87	0.87
Debt-to-Equity Ratio	9.72	9.72	9.40	8.86	8.70
Debt-to-Capital Ratio	0.91	0.91	0.90	0.90	0.90
Long-Term Debt-to-Capital Ratio	0.91	0.91	0.90	0.89	0.89
Financial Leverage Ratio	10.98	10.98	10.69	10.16	9.95
Debt Service Coverage Ratio	0.70	0.70	0.12	-0.04	0.07
Interest Coverage Ratio	1.40	1.40	0.39	0.38	0.28
Debt to Market Cap	10.02	8.95	7.61	6.93	10.64
Interest Debt Per Share	187.32	187.32	156.39	125.60	107.61
Net Debt to EBITDA	12.61	12.61	48.88	0.00	69.25
Profitability Margins
Gross Profit Margin	95.32%	95.32%	43.62%	100.00%	36.25%
EBIT Margin	71.56%	71.56%	19.97%	-1.74%	17.94%
EBITDA Margin	71.56%	71.56%	20.38%	0.00%	18.79%
Operating Profit Margin	71.56%	71.56%	19.97%	58.34%	17.94%
Pretax Profit Margin	20.47%	20.47%	19.97%	54.00%	17.94%
Net Profit Margin	14.70%	14.70%	14.17%	39.69%	12.97%
Continuous Operations Profit Margin	14.70%	14.70%	14.18%	39.70%	13.09%
Net Income Per EBT	71.84%	71.84%	70.98%	73.49%	72.30%
EBT Per EBIT	28.60%	28.60%	100.00%	92.56%	100.00%
Return on Assets (ROA)	1.42%	1.42%	1.24%	1.19%	0.86%
Return on Equity (ROE)	17.03%	15.62%	13.24%	12.06%	8.55%
Return on Capital Employed (ROCE)	7.23%	6.93%	1.92%	1.95%	1.34%
Return on Invested Capital (ROIC)	210.25%	75.82%	1.27%	1.32%	0.89%
Return on Tangible Assets	1.42%	1.42%	1.24%	1.19%	0.86%
Earnings Yield	16.37%	13.73%	10.71%	9.43%	10.46%
Efficiency Ratios
Receivables Turnover	13.85	13.85	3.02	1.09	2.60
Payables Turnover	0.00	0.00	1.84	0.00	1.73
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	504.91	504.91	116.30	24.72	42.97
Asset Turnover	0.10	0.10	0.09	0.03	0.07
Working Capital Turnover Ratio	-4.08	-10.22	-1.67	-0.46	-3.22
Cash Conversion Cycle	26.35	26.35	-77.17	334.93	-70.66
Days of Sales Outstanding	26.35	26.35	121.03	334.93	140.31
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	198.20	0.00	210.97
Operating Cycle	26.35	26.35	121.03	334.93	140.31
Cash Flow Ratios
Operating Cash Flow Per Share	0.49	0.49	1.16	1.90	1.53
Free Cash Flow Per Share	0.48	0.49	1.15	1.89	1.51
CapEx Per Share	0.01	<0.01	<0.01	<0.01	0.01
Free Cash Flow to Operating Cash Flow	0.98	0.98	0.99	1.00	0.99
Dividend Paid and CapEx Coverage Ratio	45.52	64.63	130.64	339.19	149.31
Capital Expenditure Coverage Ratio	45.52	64.63	130.64	339.19	149.31
Operating Cash Flow Coverage Ratio	<0.01	<0.01	<0.01	0.02	0.01
Operating Cash Flow to Sales Ratio	0.03	0.03	0.08	0.46	0.20
Free Cash Flow Yield	2.60%	2.34%	5.87%	10.98%	15.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.11	7.28	9.34	10.61	9.56
Price-to-Sales (P/S) Ratio	0.96	1.07	1.32	4.21	1.24
Price-to-Book (P/B) Ratio	0.95	1.14	1.24	1.28	0.82
Price-to-Free Cash Flow (P/FCF) Ratio	38.48	42.79	17.05	9.11	6.37
Price-to-Operating Cash Flow Ratio	35.35	42.12	16.92	9.08	6.33
Price-to-Earnings Growth (PEG) Ratio	0.53	0.20	0.32	0.17	0.96
Price-to-Fair Value	0.95	1.14	1.24	1.28	0.82
Enterprise Value Multiple	13.94	14.10	55.37	0.00	75.84
Enterprise Value	7.13B	7.21B	5.45B	4.36B	3.54B
EV to EBITDA	13.94	14.10	55.37	0.00	75.84
EV to Sales	9.98	10.09	11.28	33.07	14.25
EV to Free Cash Flow	401.36	403.27	145.41	71.56	73.21
EV to Operating Cash Flow	392.54	397.03	144.30	71.34	72.72
Tangible Book Value Per Share	17.97	18.15	15.30	13.09	11.42
Shareholders’ Equity Per Share	18.25	18.25	15.83	13.46	11.81
Tax and Other Ratios
Effective Tax Rate	0.28	0.28	0.29	0.26	0.27
Revenue Per Share	19.39	19.39	14.79	4.09	7.78
Net Income Per Share	2.85	2.85	2.10	1.62	1.01
Tax Burden	0.72	0.72	0.71	0.73	0.72
Interest Burden	0.29	0.29	1.00	-30.97	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	<0.01	<0.01	0.15	0.40	0.14
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.00	0.01
Income Quality	0.17	0.17	0.55	1.19	1.50

Currency in USD