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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 Q3 2025 was $0.45. For the 2025 fiscal year, VEL's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.43	0.00	36.70	0.42
Quick Ratio	0.00	0.43	0.00	36.55	0.36
Cash Ratio	0.00	0.10	0.00	0.49	0.12
Solvency Ratio	0.01	0.01	0.01	0.03	0.03
Operating Cash Flow Ratio	0.00	0.08	0.00	0.53	0.19
Short-Term Operating Cash Flow Coverage	0.00	0.11	0.15	0.15	0.19
Net Current Asset Value	$ -6.17B	$ -4.79B	$ -3.89B	$ -9.91M	$ -2.34B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.88	0.87	0.87	0.84
Debt-to-Equity Ratio	0.00	9.40	8.86	8.70	6.96
Debt-to-Capital Ratio	0.00	0.90	0.90	0.90	0.87
Long-Term Debt-to-Capital Ratio	0.00	0.90	0.89	0.89	0.86
Financial Leverage Ratio	10.97	10.69	10.16	9.95	8.25
Debt Service Coverage Ratio	0.73	0.12	-0.04	0.02	-0.03
Interest Coverage Ratio	0.51	0.39	0.38	1.09	0.38
Debt to Market Cap	0.00	7.61	6.93	10.64	7.60
Interest Debt Per Share	8.74	156.39	125.60	107.61	108.79
Net Debt to EBITDA	-0.35	48.88	0.00	145.41	0.00
Profitability Margins
Gross Profit Margin	51.25%	43.62%	100.00%	86.32%	82.33%
EBIT Margin	47.77%	19.97%	-1.74%	-2.27%	-3.18%
EBITDA Margin	47.95%	20.38%	0.00%	23.88%	0.00%
Operating Profit Margin	29.27%	19.97%	58.34%	184.76%	52.44%
Pretax Profit Margin	22.02%	19.97%	54.00%	47.87%	52.44%
Net Profit Margin	15.51%	14.17%	39.69%	34.61%	38.51%
Continuous Operations Profit Margin	15.63%	14.18%	39.70%	34.94%	38.51%
Net Income Per EBT	70.47%	70.98%	73.49%	72.30%	73.44%
EBT Per EBIT	75.21%	100.00%	92.56%	25.91%	100.00%
Return on Assets (ROA)	1.30%	1.24%	1.19%	0.86%	1.04%
Return on Equity (ROE)	15.63%	13.24%	12.06%	8.55%	8.57%
Return on Capital Employed (ROCE)	2.45%	1.92%	1.74%	4.70%	1.58%
Return on Invested Capital (ROIC)	69.91%	1.27%	13.36%	3.47%	19.89%
Return on Tangible Assets	1.30%	1.24%	1.19%	0.86%	1.04%
Earnings Yield	11.70%	10.71%	9.43%	10.46%	9.35%
Efficiency Ratios
Receivables Turnover	11.81	3.02	3.68	0.97	0.85
Payables Turnover	0.00	1.84	0.00	0.14	0.15
Inventory Turnover	0.00	0.00	0.00	0.96	0.76
Fixed Asset Turnover	393.29	116.30	24.72	27.73	10.02
Asset Turnover	0.08	0.09	0.03	0.02	0.03
Working Capital Turnover Ratio	-14.24	-1.67	1.84	0.06	-1.00
Cash Conversion Cycle	30.90	-77.17	99.18	-1.87K	-1.60K
Days of Sales Outstanding	30.90	121.03	99.18	374.44	429.56
Days of Inventory Outstanding	0.00	0.00	0.00	381.94	477.98
Days of Payables Outstanding	0.00	198.20	0.00	2.62K	2.51K
Operating Cycle	30.90	121.03	99.18	756.38	907.55
Cash Flow Ratios
Operating Cash Flow Per Share	1.47	1.16	1.52	1.53	2.53
Free Cash Flow Per Share	1.46	1.15	1.51	1.51	2.51
CapEx Per Share	0.01	<0.01	<0.01	0.01	0.01
Free Cash Flow to Operating Cash Flow	0.99	0.99	1.00	0.99	0.99
Dividend Paid and CapEx Coverage Ratio	132.83	130.64	271.31	149.31	175.14
Capital Expenditure Coverage Ratio	132.83	130.64	271.31	149.31	175.14
Operating Cash Flow Coverage Ratio	0.00	<0.01	0.01	0.01	0.02
Operating Cash Flow to Sales Ratio	0.10	0.08	0.37	0.52	0.76
Free Cash Flow Yield	7.03%	5.87%	8.77%	15.70%	18.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.55	9.34	10.61	9.56	10.69
Price-to-Sales (P/S) Ratio	1.36	1.32	4.21	3.31	4.12
Price-to-Book (P/B) Ratio	1.22	1.24	1.28	0.82	0.92
Price-to-Free Cash Flow (P/FCF) Ratio	14.22	17.05	11.40	6.37	5.46
Price-to-Operating Cash Flow Ratio	13.81	16.92	11.36	6.33	5.42
Price-to-Earnings Growth (PEG) Ratio	1.11	0.32	0.17	-0.42	0.24
Price-to-Fair Value	1.22	1.24	1.28	0.82	0.92
Enterprise Value Multiple	2.47	55.37	0.00	159.26	0.00
Enterprise Value	690.32M	5.45B	4.36B	3.54B	2.65B
EV to EBITDA	2.47	55.37	0.00	159.26	0.00
EV to Sales	1.19	11.28	33.07	38.03	34.95
EV to Free Cash Flow	12.44	145.41	89.53	73.21	46.29
EV to Operating Cash Flow	12.34	144.30	89.20	72.72	46.03
Tangible Book Value Per Share	16.57	15.30	13.09	11.42	14.49
Shareholders’ Equity Per Share	16.66	15.83	13.46	11.81	14.95
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.26	0.27	0.27
Revenue Per Share	15.30	14.79	4.09	2.92	3.33
Net Income Per Share	2.37	2.10	1.62	1.01	1.28
Tax Burden	0.70	0.71	0.73	0.72	0.73
Interest Burden	0.46	1.00	-30.97	-21.05	-16.50
Research & Development to Revenue	0.00	0.00	0.00	<0.01	<0.01
SG&A to Revenue	0.12	0.15	0.03	0.35	0.37
Stock-Based Compensation to Revenue	0.01	0.01	0.03	0.04	0.03
Income Quality	0.61	0.55	0.93	1.50	1.97

Currency in USD