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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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113 Followers

Velocity Financial Ratios

VEL's free cash flow for Q2 2025 was $0.87. For the 2025 fiscal year, VEL's free cash flow was decreased by $ and operating cash flow was $0.83. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.25	0.00	36.70	0.42	1.31
Quick Ratio	0.25	0.00	36.55	0.36	1.11
Cash Ratio	0.16	0.00	0.49	0.12	0.17
Solvency Ratio	0.01	0.01	0.03	0.03	0.04
Operating Cash Flow Ratio	0.05	0.00	0.53	0.19	0.72
Short-Term Operating Cash Flow Coverage	0.08	0.15	0.15	0.19	0.72
Net Current Asset Value	$ -5.75B	$ -3.89B	$ -9.91M	$ -2.34B	$ -1.78B
Leverage Ratios
Debt-to-Assets Ratio	0.88	0.87	0.87	0.84	0.82
Debt-to-Equity Ratio	9.55	8.86	8.70	6.96	7.88
Debt-to-Capital Ratio	0.91	0.90	0.90	0.87	0.89
Long-Term Debt-to-Capital Ratio	0.90	0.89	0.89	0.86	0.88
Financial Leverage Ratio	10.83	10.16	9.95	8.25	9.58
Debt Service Coverage Ratio	0.48	-0.04	0.02	-0.03	-0.03
Interest Coverage Ratio	0.55	0.38	1.09	0.38	0.23
Debt to Market Cap	7.80	6.93	10.64	7.60	13.82
Interest Debt Per Share	161.44	125.60	107.61	108.79	91.09
Net Debt to EBITDA	16.81	0.00	145.41	0.00	0.00
Profitability Margins
Gross Profit Margin	62.80%	100.00%	86.32%	82.33%	80.60%
EBIT Margin	65.25%	-1.74%	-2.27%	-3.18%	-3.71%
EBITDA Margin	65.52%	0.00%	23.88%	0.00%	0.00%
Operating Profit Margin	31.65%	58.34%	184.76%	52.44%	35.06%
Pretax Profit Margin	22.32%	54.00%	47.87%	52.44%	35.06%
Net Profit Margin	15.75%	39.69%	34.61%	38.51%	26.95%
Continuous Operations Profit Margin	15.89%	39.70%	34.94%	38.51%	26.95%
Net Income Per EBT	70.56%	73.49%	72.30%	73.44%	76.86%
EBT Per EBIT	70.53%	92.56%	25.91%	100.00%	100.00%
Return on Assets (ROA)	1.24%	1.19%	0.86%	1.04%	0.85%
Return on Equity (ROE)	14.89%	12.06%	8.55%	8.57%	8.10%
Return on Capital Employed (ROCE)	2.71%	1.74%	4.70%	1.58%	1.14%
Return on Invested Capital (ROIC)	-563.02%	13.36%	3.47%	19.89%	17.11%
Return on Tangible Assets	1.24%	1.19%	0.86%	1.04%	0.85%
Earnings Yield	11.36%	9.43%	10.46%	9.35%	14.21%
Efficiency Ratios
Receivables Turnover	2.74	3.68	0.97	0.85	0.76
Payables Turnover	0.00	0.00	0.14	0.15	0.20
Inventory Turnover	0.00	0.00	0.96	0.76	0.81
Fixed Asset Turnover	332.12	24.72	27.73	10.02	15.91
Asset Turnover	0.08	0.03	0.02	0.03	0.03
Working Capital Turnover Ratio	-1.16	1.84	0.06	-1.00	-0.43
Cash Conversion Cycle	133.07	99.18	-1.87K	-1.60K	-878.64
Days of Sales Outstanding	133.07	99.18	374.44	429.56	478.64
Days of Inventory Outstanding	0.00	0.00	381.94	477.98	449.64
Days of Payables Outstanding	0.00	0.00	2.62K	2.51K	1.81K
Operating Cycle	133.07	99.18	756.38	907.55	928.28
Cash Flow Ratios
Operating Cash Flow Per Share	0.72	1.52	1.53	2.53	2.73
Free Cash Flow Per Share	0.71	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	79.12	271.31	149.31	175.14	34.92
Capital Expenditure Coverage Ratio	79.12	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	0.05	0.37	0.52	0.76	0.83
Free Cash Flow Yield	3.63%	8.77%	15.70%	18.33%	42.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.80	10.61	9.56	10.69	7.04
Price-to-Sales (P/S) Ratio	1.43	4.21	3.31	4.12	1.90
Price-to-Book (P/B) Ratio	1.19	1.28	0.82	0.92	0.57
Price-to-Free Cash Flow (P/FCF) Ratio	27.57	11.40	6.37	5.46	2.35
Price-to-Operating Cash Flow Ratio	26.34	11.36	6.33	5.42	2.28
Price-to-Earnings Growth (PEG) Ratio	0.77	0.17	-0.42	0.24	3.03
Price-to-Fair Value	1.19	1.28	0.82	0.92	0.57
Enterprise Value Multiple	19.00	0.00	159.26	0.00	0.00
Enterprise Value	6.36B	4.36B	3.54B	2.65B	1.84B
EV to EBITDA	19.00	0.00	159.26	0.00	0.00
EV to Sales	12.45	33.07	38.03	34.95	27.92
EV to Free Cash Flow	239.53	89.53	73.21	46.29	34.54
EV to Operating Cash Flow	236.51	89.20	72.72	46.03	33.55
Tangible Book Value Per Share	15.98	13.09	11.42	14.49	10.70
Shareholders’ Equity Per Share	16.08	13.46	11.81	14.95	10.93
Tax and Other Ratios
Effective Tax Rate	0.29	0.26	0.27	0.27	0.23
Revenue Per Share	13.74	4.09	2.92	3.33	3.28
Net Income Per Share	2.16	1.62	1.01	1.28	0.88
Tax Burden	0.71	0.73	0.72	0.73	0.77
Interest Burden	0.34	-30.97	-21.05	-16.50	-9.46
Research & Development to Revenue	0.00	0.00	<0.01	<0.01	<0.01
SG&A to Revenue	0.06	0.03	0.35	0.37	0.34
Stock-Based Compensation to Revenue	0.01	0.03	0.04	0.03	0.01
Income Quality	0.33	0.93	1.50	1.97	3.09

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