← Velocity Financial, Inc. VEL
Market Price
$18.14
Market Cap
$709.74M
P/E Ratio
N/A
Revenue (FY 2025)
↑31.8% YoY
$210.35M
3-Yr CAGR: 23.2%
Net Income
↓-251.1% YoY
-$71.00K
Net Margin: -0.0%
Free Cash Flow
↓-52.3% YoY
$17.88M
FCF Yield: 2.52%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
-0.0%
ROA: -0.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (VEL)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2018 | $62.1M | — | $2.8M | $7.6M | — | — | — | $-72.5M | $-73.8M | — |
| FY 2019 | $73.6M | +18.5% | $2.6M | $25.4M | +232.8% | — | — | $-105.3M | $-106.2M | -44.0% |
| FY 2020 | $79.5M | +8.0% | $6.3M | $-31.2M | -222.8% | — | — | $54.9M | $54.2M | +151.0% |
| FY 2021 | $96.6M | +21.5% | $11.2M | $20.6M | +166.2% | — | — | $57.6M | $57.5M | +6.1% |
| FY 2022 | $112.6M | +16.6% | $22.2M | $0.3M | -98.5% | — | — | $48.7M | $48.3M | -15.9% |
| FY 2023 | $124.3M | +10.4% | $65.9M | $0.0M | -93.5% | — | — | $48.8M | $48.7M | +0.6% |
| FY 2024 | $159.6M | +28.4% | $101.4M | $0.0M | +135.0% | — | — | $37.8M | $37.5M | -23.0% |
| FY 2025 | $210.4M | +31.8% | $163.6M | $-0.1M | -251.1% | — | — | $18.2M | $17.9M | -52.3% |
Valuation
Market Price
$18.14
Market Cap
$709.74M
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
1.06
FCF Yield
2.52%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
77.78%
Operating Margin
77.78%
Net Margin
-0.03%
Return on Equity (ROE)
-0.01%
Return on Assets (ROA)
-0.00%
Asset Turnover
0.03x
Revenue 3-Yr CAGR
23.15%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$92.10M
Total Debt
N/A
Book Value / Share
$17.13
Cash Flow Efficiency
Operating Cash Flow
$18.16M
Capital Expenditures (CapEx)
$281.00K
Free Cash Flow
$17.88M
OCF / Revenue
8.63%
FCF / Revenue
8.50%
FCF 3-Yr CAGR
-28.22%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$17.13
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$7.38B
Total Liabilities
$6.71B
Stockholders' Equity
$672.53M
Current Assets
N/A
Current Liabilities
N/A