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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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Velocity Financial Ratios

VEL's free cash flow for Q1 2025 was $0.32. For the 2025 fiscal year, VEL's free cash flow was decreased by $ and operating cash flow was $0.86. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.17	0.00	36.70	0.42	1.31
Quick Ratio	0.17	0.00	36.55	0.36	1.11
Cash Ratio	0.10	0.00	0.49	0.12	0.17
Solvency Ratio	0.01	0.01	0.03	0.03	0.04
Operating Cash Flow Ratio	0.08	0.00	0.53	0.19	0.72
Short-Term Operating Cash Flow Coverage	0.11	0.15	0.15	0.19	0.72
Net Current Asset Value	$ -4.92B	$ -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	9.40	8.86	8.70	6.96	7.88
Debt-to-Capital Ratio	0.90	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	10.69	10.16	9.95	8.25	9.58
Debt Service Coverage Ratio	-0.05	-0.04	0.02	-0.03	-0.03
Interest Coverage Ratio	0.41	0.38	1.09	0.38	0.23
Debt to Market Cap	7.61	6.93	10.64	7.60	13.82
Interest Debt Per Share	156.39	125.60	107.61	108.79	91.09
Net Debt to EBITDA	0.00	0.00	145.41	0.00	0.00
Profitability Margins
Gross Profit Margin	100.00%	100.00%	86.32%	82.33%	80.60%
EBIT Margin	-0.94%	-1.74%	-2.27%	-3.18%	-3.71%
EBITDA Margin	0.00%	0.00%	23.88%	0.00%	0.00%
Operating Profit Margin	47.89%	58.34%	184.76%	52.44%	35.06%
Pretax Profit Margin	45.52%	54.00%	47.87%	52.44%	35.06%
Net Profit Margin	32.31%	39.69%	34.61%	38.51%	26.95%
Continuous Operations Profit Margin	32.34%	39.70%	34.94%	38.51%	26.95%
Net Income Per EBT	70.98%	73.49%	72.30%	73.44%	76.86%
EBT Per EBIT	95.06%	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)	13.24%	12.06%	8.55%	8.57%	8.10%
Return on Capital Employed (ROCE)	2.02%	1.74%	4.70%	1.58%	1.14%
Return on Invested Capital (ROIC)	-183.35%	13.36%	3.47%	19.89%	17.11%
Return on Tangible Assets	1.24%	1.19%	0.86%	1.04%	0.85%
Earnings Yield	10.71%	9.43%	10.46%	9.35%	14.21%
Efficiency Ratios
Receivables Turnover	5.79	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	128.33	24.72	27.73	10.02	15.91
Asset Turnover	0.04	0.03	0.02	0.03	0.03
Working Capital Turnover Ratio	-1.27	1.84	0.06	-1.00	-0.43
Cash Conversion Cycle	63.08	99.18	-1.87K	-1.60K	-878.64
Days of Sales Outstanding	63.08	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	63.08	99.18	756.38	907.55	928.28
Cash Flow Ratios
Operating Cash Flow Per Share	1.16	1.52	1.53	2.53	2.73
Free Cash Flow Per Share	1.15	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	130.64	271.31	149.31	175.14	34.92
Capital Expenditure Coverage Ratio	130.64	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	0.18	0.37	0.52	0.76	0.83
Free Cash Flow Yield	5.87%	8.77%	15.70%	18.33%	42.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.34	10.61	9.56	10.69	7.04
Price-to-Sales (P/S) Ratio	3.02	4.21	3.31	4.12	1.90
Price-to-Book (P/B) Ratio	1.24	1.28	0.82	0.92	0.57
Price-to-Free Cash Flow (P/FCF) Ratio	17.05	11.40	6.37	5.46	2.35
Price-to-Operating Cash Flow Ratio	16.92	11.36	6.33	5.42	2.28
Price-to-Earnings Growth (PEG) Ratio	0.29	0.17	-0.42	0.24	3.03
Price-to-Fair Value	1.24	1.28	0.82	0.92	0.57
Enterprise Value Multiple	0.00	0.00	159.26	0.00	0.00
Enterprise Value	―	―	―	―	―
EV to EBITDA	0.00	0.00	159.26	0.00	0.00
EV to Sales	25.73	33.07	38.03	34.95	27.92
EV to Free Cash Flow	145.42	89.53	73.21	46.29	34.54
EV to Operating Cash Flow	144.30	89.20	72.72	46.03	33.55
Tangible Book Value Per Share	15.72	13.09	11.42	14.49	10.70
Shareholders’ Equity Per Share	15.83	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	6.48	4.09	2.92	3.33	3.28
Net Income Per Share	2.10	1.62	1.01	1.28	0.88
Tax Burden	0.71	0.73	0.72	0.73	0.77
Interest Burden	-48.20	-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	0.35	0.03	0.35	0.37	0.34
Stock-Based Compensation to Revenue	0.03	0.03	0.04	0.03	0.01
Income Quality	0.55	0.93	1.50	1.97	3.09

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