Velocity Financial, Inc.
VEL NYSE· Finance Services
Last close · Oct 23, 2026
$15.30
KIRA · Stoqly’s AI analyst, in plain words
- Velocity Financial, Inc. had $186M of revenue in fiscal 2025, up 36.8% on the year before. Over five years, revenue changed +22.5% a year on average.
- Velocity Financial, Inc. made $105M of net profit in fiscal 2025.
- Free cash flow was $17.9M in fiscal 2025, 9.6% of revenue.
- Velocity Financial, Inc. returned $7.3M to shareholders in fiscal 2025, 41% of free cash flow. The diluted share count rose 6.8%.
Market cap
$601M
P/E
5.5x
Revenue
$186M
Net income
$105M
Free cash flow
$17.9M
Operating margin
—
Velocity Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+36.8%
Yes. Sales grew 36.8% last year.
Does it make a profit?
56.5%
Yes. It keeps 56.5% of every sale as profit.
Does profit turn into cash?
9.6%
Partly. 9.6% of sales ends up as free cash.
How is the share priced?
5.5x
One share costs 5.5 times its yearly profit per share.
What Velocity Financial, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- Velocity Financial, Inc.
- CIK
- 0001692376
Velocity Financial, Inc. · VEL
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $76.0M | $83.1M | $108M | $136M | $186M |
| Revenue growth | 12.6% | 9.4% | 29.6% | 26.0% | 36.8% |
| Net interest income | $76.0M | $83.1M | $108M | $136M | $186M |
| Net income | $29.2M | $32.2M | $52.3M | $68.4M | $105M |
| Net margin | 38.5% | 38.7% | 48.5% | 50.4% | 56.5% |
| Diluted EPS | $0.86 | $0.94 | $1.52 | $1.91 | $2.75 |
| Cash | |||||
| Cash from operations | $57.6M | $48.7M | $48.8M | $37.8M | $18.2M |
| Capital expenditure | $0.1M | $0.3M | $0.2M | $0.3M | $0.3M |
| Free cash flow | $57.5M | $48.3M | $48.7M | $37.5M | $17.9M |
| FCF margin | 75.7% | 58.1% | 45.2% | 27.6% | 9.6% |
| Share buybacks | — | $0.5M | $0.9M | $1.6M | $7.3M |
| Share count change | 69.2% | 0.4% | 1.0% | 3.7% | 6.8% |
| Debt and strength | |||||
| Cash and short-term investments | $36.0M | $45.2M | $40.6M | $49.9M | $92.1M |
| Loans, net | $2.6B | $3.5B | $4.2B | — | — |
| Shareholders' equity | $341M | $377M | $433M | $517M | $673M |
| Returns and quality | |||||
| Return on equity | 10.4% | 9.0% | 12.9% | 14.4% | 17.7% |
| Return on tangible equity | 8.7% | 8.7% | 12.3% | 13.4% | 15.8% |
| Efficiency ratio | 60.9% | 74.3% | 93.4% | 102.8% | 106.2% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.4M
4 insiders
Of sales under plans
91%
$1.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Velocity Financial, Inc. · VEL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $15.30 a share, the company is worth $601M: 5.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001692376). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.