Stock VEL VELOCITY FINANCIAL, INC.
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Financials Velocity Financial, Inc.

Equities

VEL

US92262D1019

Consumer Lending

Market Closed - Nyse
Other stock markets
 04:00:02 2024-05-10 pm EDT 		5-day change 1st Jan Change
18.37 USD +1.16% Intraday chart for Velocity Financial, Inc. +6.00% +6.68%
May. 03 Sector Update: Financial Stocks Advance Late Afternoon MT
May. 03 Velocity Financial Q1 Core Earnings, Net Revenue Gain MT

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 125.1 442.4 312.8 564.5 605.9 - -
Enterprise Value (EV) 1 125.1 442.4 312.8 564.5 605.9 605.9 605.9
P/E ratio -4.02 x 15.9 x 10.3 x 11.3 x 11.7 x 10.7 x -
Yield - - - - - - -
Capitalization / Revenue 1.86 x 5.82 x 3.76 x 3.29 x 3.74 x 3.29 x 3.21 x
EV / Revenue 1.86 x 5.82 x 3.76 x 3.29 x 3.74 x 3.29 x 3.21 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.57 x 1.26 x 0.81 x 1.28 x 1.24 x 1.11 x -
Nbr of stocks (in thousands) 20,087 32,293 32,416 32,782 32,986 - -
Reference price 2 6.230 13.70 9.650 17.22 18.37 18.37 18.37
Announcement Date 3/16/21 3/10/22 3/9/23 3/7/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 59.01 67.45 75.97 83.15 171.7 162.2 184.1 188.9
EBITDA - - - - - - - -
EBIT - - - - - - - -
Operating Margin - - - - - - - -
Earnings before Tax (EBT) 1 25.4 23.13 39.79 44.55 71.13 79.75 85.74 101.3
Net income 1 17.29 -31.18 29.22 32.21 52.27 56.92 61.47 67.14
Net margin 29.3% -46.23% 38.47% 38.74% 30.44% 35.09% 33.39% 35.54%
EPS 2 1.472 -1.550 0.8600 0.9400 1.520 1.575 1.710 -
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share - - - - - - - -
Announcement Date 4/7/20 3/16/21 3/10/22 3/9/23 3/7/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 23.47 16.27 26.03 24.85 20.64 36.28 39.05 44.57 51.57 29.47 40.09 41.37 42.92 51.3 52.4
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 11.38 4.021 14.79 14.05 11.69 14.76 16.82 17.24 22.31 23.24 19.04 19.71 20.48 20.5 20.2
Net income 1 8.353 3.121 10.64 9.983 8.462 10.65 12.18 12.09 17.36 17.25 13.8 14.05 14.76 14.65 14.95
Net margin 35.59% 19.18% 40.9% 40.18% 41% 29.36% 31.2% 27.12% 33.66% 58.53% 34.43% 33.95% 34.39% 28.56% 28.53%
EPS 2 0.2400 0.0900 0.3100 0.2900 0.2500 0.3100 0.3600 0.3500 0.5000 0.4900 0.3950 0.3950 0.4150 0.4200 0.4300
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 3/10/22 5/5/22 8/5/22 11/3/22 3/9/23 5/4/23 8/3/23 11/2/23 3/7/24 5/2/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 10.9% 12.2% 10.4% 11.7% 12.9% 12% 11.7% -
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 2 13.00 10.90 10.80 11.90 13.50 14.80 16.60 -
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/7/20 3/16/21 3/10/22 3/9/23 3/7/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Velocity Financial, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
18.37 USD
Average target price
19.25 USD
Spread / Average Target
+4.79%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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