Velocity Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Velocity Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 87% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$33Sales grew 242% in 3 years; of every extra $100 of sales, $33 became extra profit.
Higher than 60% of Financial Services companies in United States.
Asset Productivity Ratio
+242% / +97%In 3 years sales changed by +242% while total assets changed by +97%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 87% of Financial Services companies in United States.
Tangible Net Worth Ratio
97%Of every $100 of net worth, $97 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 83% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Velocity Financial, Inc. owes $0.91 for every $1 it owns. Net profit rose 54% in the year to Dec 2025, and grew 48% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
5.5Investors pay $5.5 for every $1 of Velocity Financial, Inc.'s yearly profit, lower than 92% of Financial Services companies in United States.
P/B ratio
0.83The share price is 0.83 times Velocity Financial, Inc.'s book value per share, lower than 84% of Financial Services companies in United States.
Market cap
$601 MThe total market value of all of Velocity Financial, Inc.'s shares at today's price (share price × number of shares), smaller than 54% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$722 MWhat Velocity Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$18.28Net worth divided by the number of shares. The share price of $15.21 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
16.3%Velocity Financial, Inc. earned 16.3% on its shareholders' money over the last year, higher than 79% of Financial Services companies in United States.
Owes vs Owns
0.91×Velocity Financial, Inc. owes $0.91 for every $1 it owns (high), higher than 86% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneVelocity Financial, Inc. does not currently pay a dividend.
Revenue growth
+47%Revenue rose 47% in the year to Dec 2025, and grew 51% a year on average over 3 years.
Profit growth
+54%Net profit rose 54% in the year to Dec 2025, and grew 48% a year on average over 3 years.
Profit margin
33.7%Velocity Financial, Inc. keeps $34 of every $100 of revenue as net profit.
Questions
What is Velocity Financial, Inc.'s P/E ratio?
Investors pay $5.5 for every $1 of Velocity Financial, Inc.'s yearly profit, lower than 92% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Velocity Financial, Inc.: $601 M ÷ $722 M (30 Jun 2026) = 0.8.
What is Velocity Financial, Inc.'s return on equity?
Velocity Financial, Inc. earned 16.3% on its shareholders' money over the last year, higher than 79% of Financial Services companies in United States.
How much does Velocity Financial, Inc. owe compared with what it owns?
Velocity Financial, Inc. owes $0.91 for every $1 it owns (high), higher than 86% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Velocity Financial, Inc. pay a dividend?
No. Velocity Financial, Inc. does not currently pay a dividend.
Is Velocity Financial, Inc.'s revenue growing?
Revenue rose 47% in the year to Dec 2025, and grew 51% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.