Velocity Financial (VEL) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Velocity Financial had a P/E ratio of 7.79 (down from 9.58), return on equity of 17.6% (up from 14.3%), debt-to-equity of 9.68 (up from 9.35) and a current ratio of 15.20 (up from 10.99). A current ratio of 15.20 means current assets exceed current liabilities.

Velocity Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	7.79	9.58	10.96	9.86	21.44	-
Forward P/E	8.13	9.44	11.17	7.67	12.91	9.12
P/S Ratio	3.58	3.65	4.60	3.32	5.16	1.79
P/B Ratio	1.20	1.25	1.29	0.82	1.28	0.40
Price/Tangible Book	1.22	1.27	1.33	0.85	1.34	0.58
Price/FCF	45.17	17.29	11.60	6.47	7.70	2.31
Price/OCF	44.47	17.16	11.56	6.43	7.68	2.28
PEG Ratio	0.23	0.27	0.32	0.21	0.42	0.61
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	17.56%	14.31%	12.80%	8.97%	8.94%	7.69%
Return on Assets (ROA)	1.63%	1.38%	1.28%	0.99%	1.19%	0.82%
Return on Invested Capital (ROIC)	1.67%	1.42%	1.32%	1.02%	1.23%	0.84%
Leverage & Solvency Ratios
Debt/Equity	9.68	9.35	8.81	8.62	6.91	5.60
Debt/FCF	365.81	129.77	79.10	67.83	41.40	32.03
Liquidity Ratios
Current Ratio	15.20	10.99	9.47	8.84	7.08	15.44
Quick Ratio	14.78	10.87	9.33	8.73	6.77	15.28
Efficiency Ratios
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.03
Yield & Distribution Ratios
Earnings Yield	13.01%	10.56%	9.26%	10.30%	6.61%	14.21%
FCF Yield	2.21%	5.78%	8.62%	15.46%	12.99%	43.28%
Buyback Yield	-6.76%	-3.70%	-1.03%	-0.44%	-69.17%	82.32%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Velocity Financial Financial Ratios

What is Velocity Financial's P/E ratio?

Velocity Financial's P/E ratio was 7.79 for fiscal 2025 (period ended Dec 31, 2025). It was 9.58 a year earlier.

What is Velocity Financial's return on equity?

Velocity Financial's return on equity (ROE) was 17.6% for fiscal 2025 (period ended Dec 31, 2025). It was 14.3% a year earlier.

What is Velocity Financial's debt-to-equity ratio?

Velocity Financial's debt-to-equity ratio was 9.68 for fiscal 2025 (period ended Dec 31, 2025). It was 9.35 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition