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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 Q1 2026 was $0.92. For the 2026 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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.64 0.63 0.43 0.36 0.34
Quick Ratio
 0.64 0.63 0.43 0.36 0.34
Cash Ratio
 0.23 0.19 0.10 0.09 0.11
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.05 0.04 0.08 0.13 0.12
Short-Term Operating Cash Flow Coverage
 0.05 0.06 0.11 0.18 0.15
Net Current Asset Value
$ -6.59B$ -6.40B$ -4.79B$ -3.80B$ -3.23B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.89 0.88 0.87 0.87
Debt-to-Equity Ratio
 0.70 9.72 9.40 8.86 8.70
Debt-to-Capital Ratio
 0.41 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
 10.90 10.98 10.69 10.16 9.95
Debt Service Coverage Ratio
 0.36 0.70 0.12 -0.04 0.07
Interest Coverage Ratio
 0.96 1.40 0.39 0.38 0.28
Debt to Market Cap
 10.32 8.55 7.61 6.93 10.64
Interest Debt Per Share
 22.74 187.32 156.39 125.60 107.61
Net Debt to EBITDA
 1.03 12.61 48.88 0.00 69.25
Profitability Margins
Gross Profit Margin
68.57%95.32%43.62%100.00%36.25%
EBIT Margin
52.31%71.56%19.97%-1.74%17.94%
EBITDA Margin
52.51%71.56%20.38%0.00%18.79%
Operating Profit Margin
54.56%71.56%19.97%58.34%17.94%
Pretax Profit Margin
21.82%20.47%19.97%54.00%17.94%
Net Profit Margin
15.76%14.70%14.17%39.69%12.97%
Continuous Operations Profit Margin
15.78%14.70%14.18%39.70%13.09%
Net Income Per EBT
72.25%71.84%70.98%73.49%72.30%
EBT Per EBIT
39.99%28.60%100.00%92.56%100.00%
Return on Assets (ROA)
1.43%1.42%1.24%1.19%0.86%
Return on Equity (ROE)
16.69%15.62%13.24%12.06%8.55%
Return on Capital Employed (ROCE)
5.29%7.40%1.92%1.95%1.34%
Return on Invested Capital (ROIC)
81.12%5.09%1.27%1.32%0.89%
Return on Tangible Assets
1.43%1.43%1.24%1.19%0.86%
Earnings Yield
16.01%13.73%10.71%9.43%10.46%
Efficiency Ratios
Receivables Turnover
 3.51 14.38 3.02 1.09 2.60
Payables Turnover
 0.00 0.20 1.84 0.00 1.73
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 520.06 168.50 116.30 24.72 42.97
Asset Turnover
 0.09 0.10 0.09 0.03 0.07
Working Capital Turnover Ratio
 -4.02 -3.11 -1.67 -0.46 -3.22
Cash Conversion Cycle
 104.06 -1.81K -77.17 334.93 -70.66
Days of Sales Outstanding
 104.06 25.38 121.03 334.93 140.31
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 1.84K 198.20 0.00 210.97
Operating Cycle
 104.06 25.38 121.03 334.93 140.31
Cash Flow Ratios
Operating Cash Flow Per Share
 0.69 0.49 1.16 1.90 1.53
Free Cash Flow Per Share
 0.68 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
 0.99 0.98 0.99 1.00 0.99
Dividend Paid and CapEx Coverage Ratio
 77.97 64.63 130.64 339.19 149.31
Capital Expenditure Coverage Ratio
 77.97 64.63 130.64 339.19 149.31
Operating Cash Flow Coverage Ratio
 0.05 <0.01 <0.01 0.02 0.01
Operating Cash Flow to Sales Ratio
 0.04 0.03 0.08 0.46 0.20
Free Cash Flow Yield
3.82%2.34%5.87%10.98%15.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 6.25 7.28 9.34 10.61 9.56
Price-to-Sales (P/S) Ratio
 1.00 1.07 1.32 4.21 1.24
Price-to-Book (P/B) Ratio
 0.97 1.14 1.24 1.28 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
 26.17 42.79 17.05 9.11 6.37
Price-to-Operating Cash Flow Ratio
 25.42 42.12 16.92 9.08 6.33
Price-to-Earnings Growth (PEG) Ratio
 0.18 0.20 0.32 0.17 0.96
Price-to-Fair Value
 0.97 1.14 1.24 1.28 0.82
Enterprise Value Multiple
 2.94 14.10 55.37 0.00 75.84
Enterprise Value
 1.06B 7.21B 5.45B 4.36B 3.54B
EV to EBITDA
 2.94 14.10 55.37 0.00 75.84
EV to Sales
 1.54 10.09 11.28 33.07 14.25
EV to Free Cash Flow
 40.35 403.27 145.41 71.56 73.21
EV to Operating Cash Flow
 39.84 397.03 144.30 71.34 72.72
Tangible Book Value Per Share
 17.68 17.80 15.30 13.09 11.42
Shareholders’ Equity Per Share
 18.03 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
 17.83 19.39 14.79 4.09 7.78
Net Income Per Share
 2.81 2.85 2.10 1.62 1.01
Tax Burden
 0.72 0.72 0.71 0.73 0.72
Interest Burden
 0.42 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
 0.08 <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
 0.25 0.17 0.55 1.19 1.50
Currency in USD