Financial Services
Live Price
Offline$17.54
-0.34% today
1Y Change
-4.88%
Window
Jun 23, 2025 โ Jun 16, 2026
Coverage: 247 bars ยท Jun 23, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Velocity Financial, Inc. (VEL) is a Financial Services stock with a market cap of $760.00M and listed on NYSE. The stock last traded around $17.54 and down 4.9% across the available one-year price window (Jun 23, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of +48.0%, EPS growth of +35.7%, a dividend yield of 0.0%. What stands out right now is revenue +48.0%, EPS +35.7%, free cash flow -52.3% with operating margin 34.8% and ROIC 91.6%. Valuation is more restrained than many high-expectation growth names at P/E 6.8 and price/sales 1.2. Overall, the current profile looks closer to a quality compounder than a generic broad-market placeholder. Stock Foundry combines VEL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
VEL
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Normalized return
SPY
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S&P 500
Excess Return
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Relative to SPY
VEL Max Drawdown
-17.66%
Trailing 1Y
SPY Max Drawdown
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Trailing 1Y
Uses the longest available daily history for VEL and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$181.3M
-27.0% YoY
FY Net Income
$29.2M
-9.3% YoY
Free Cash Flow
$57.3M
+18.5% YoY
Revenue Growth
+48.0%
EPS Growth
+35.7%
Gross Margin
106.4%
Net Margin
16.3%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 714M | 483M | 132M | 248M | 181M |
| Gross Profit | 681M | 211M | 132M | 90M | 76M |
| Operating Income | 511M | 96M | 77M | 45M | 40M |
| EBITDA | 511M | 98M | 0 | 47M | 42M |
| Net Income | 105M | 68M | 52M | 32M | 29M |
| EPS (Diluted) | โ | โ | โ | โ | โ |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 92M | 50M | 41M | 45M | 36M |
| Total Assets | 7.4B | 5.5B | 4.4B | 3.7B | 2.8B |
| Total Liabilities | 6.7B | 5.0B | 4.0B | 3.4B | 2.5B |
| Shareholder Equity | 673M | 517M | 433M | 377M | 341M |
| Total Debt | 6.5B | 4.9B | 3.8B | 3.3B | 2.4B |
| Net Debt | 6.4B | 4.8B | 3.8B | 3.2B | 2.3B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
58M
+18.4% YoY
Capital Expenditures
135K
+58.6% YoY
Free Cash Flow
57M
+18.5% YoY
Key ratios
Gross Margin
106.4%
Operating Margin
34.8%
Net Margin
16.3%
ROE
16.9%
Debt / Equity
9.72x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.