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Velocity Financial (VEL)
NYSE:VEL
US Market
VEL
Velocity Financial
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Velocity Financial (VEL) Ratios

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Velocity Financial Ratios

VEL's free cash flow for Q4 2025 was $2.69. For the 2025 fiscal year, VEL's free cash flow was decreased by $ and operating cash flow was $1.86. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.46 0.30 0.43 0.36 0.34
Quick Ratio
 0.46 0.30 0.43 0.36 0.34
Cash Ratio
 0.30 0.19 0.10 0.09 0.11
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.06 0.04 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
 0.90 0.90 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
 0.61 1.40 0.39 0.38 0.28
Debt to Market Cap
 8.56 8.55 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
106.43%95.32%43.62%100.00%36.25%
EBIT Margin
79.90%71.56%19.97%-1.74%17.94%
EBITDA Margin
79.90%71.56%20.38%0.00%18.79%
Operating Profit Margin
34.81%71.56%19.97%58.34%17.94%
Pretax Profit Margin
22.85%20.47%19.97%54.00%17.94%
Net Profit Margin
16.34%14.70%14.17%39.69%12.97%
Continuous Operations Profit Margin
16.42%14.70%14.18%39.70%13.09%
Net Income Per EBT
71.51%71.84%70.98%73.49%72.30%
EBT Per EBIT
65.65%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)
16.95%15.62%13.24%12.06%8.55%
Return on Capital Employed (ROCE)
3.15%7.40%1.92%1.95%1.34%
Return on Invested Capital (ROIC)
91.60%5057.80%1.27%1.32%0.89%
Return on Tangible Assets
1.42%1.42%1.24%1.19%0.86%
Earnings Yield
14.58%13.73%10.71%9.43%10.46%
Efficiency Ratios
Receivables Turnover
 12.41 13.85 3.02 1.09 2.60
Payables Turnover
 0.20 0.20 1.84 0.00 1.73
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 452.22 504.91 116.30 24.72 42.97
Asset Turnover
 0.09 0.10 0.09 0.03 0.07
Working Capital Turnover Ratio
 -3.66 -2.32 -1.67 -0.46 -3.22
Cash Conversion Cycle
 -1.81K -1.81K -77.17 334.93 -70.66
Days of Sales Outstanding
 29.42 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
 1.84K 1.84K 198.20 0.00 210.97
Operating Cycle
 29.42 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
2.33%2.34%5.87%10.98%15.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 6.86 7.28 9.34 10.61 9.56
Price-to-Sales (P/S) Ratio
 1.19 1.07 1.32 4.21 1.24
Price-to-Book (P/B) Ratio
 1.07 1.14 1.24 1.28 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
 43.01 42.79 17.05 9.11 6.37
Price-to-Operating Cash Flow Ratio
 39.51 42.12 16.92 9.08 6.33
Price-to-Earnings Growth (PEG) Ratio
 0.19 0.20 0.32 0.17 0.96
Price-to-Fair Value
 1.07 1.14 1.24 1.28 0.82
Enterprise Value Multiple
 14.10 14.10 55.37 0.00 75.84
Enterprise Value
 7.21B 7.21B 5.45B 4.36B 3.54B
EV to EBITDA
 14.10 14.10 55.37 0.00 75.84
EV to Sales
 11.27 10.09 11.28 33.07 14.25
EV to Free Cash Flow
 405.88 403.27 145.41 71.56 73.21
EV to Operating Cash Flow
 396.97 397.03 144.30 71.34 72.72
Tangible Book Value Per Share
 17.80 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
 17.36 19.39 14.79 4.09 7.78
Net Income Per Share
 2.84 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