Velocity Financial, Inc.
General ticker "VEL" information:
- Sector: Financials
- Industry: Financial Services
- Capitalization: $637.6M (TTM average)
Velocity Financial, Inc. follows the US Stock Market performance with the rate: 21.1%.
Estimated limits based on current volatility of 1.8%: low 19.06$, high 19.77$
Factors to consider:
- Total employees count: 309 (+22.1%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Market volatility, Regulatory and compliance, Liquidity and credit risks, Operational and conduct risks, Interest rate fluctuations
- Price in estimated range
- Earnings for 18 months up through Q2 (+1 year) exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [15.04$, 22.15$]
- 2024-12-30 to 2025-12-30 estimated range: [15.53$, 22.87$]
Financial Metrics affecting the VEL estimates:
- Positive: with PPE of 10.6 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 58.34 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 66.44 > 10.33
- Negative: Shareholder equity ratio, % of 9.84 <= 18.93
- Positive: 6.82 < Operating cash flow per share per price, % of 9.30
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 1.17
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating profit margin (median), % of 12.24 > 9.92
- Positive: Industry earnings per price (median), % of 65.22 > 4.43
Short-term VEL quotes
Long-term VEL plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 |
|---|---|---|
| Operating Revenue | $248.38MM | $131.72MM |
| Operating Expenses | $203.83MM | $54.87MM |
| Operating Income | $44.55MM | $76.85MM |
| Non-Operating Income | $0.00MM | $-5.72MM |
| Interest Expense | $157.19MM | $203.02MM |
| Income(Loss) | $44.55MM | $71.13MM |
| Taxes | $12.03MM | $18.83MM |
| Profit(Loss)* | $32.21MM | $51.52MM |
| Stockholders Equity | $376.81MM | $433.44MM |
| Assets | $3,748.97MM | $4,404.57MM |
| Operating Cash Flow | $48.67MM | $48.84MM |
| Capital expenditure | $0.33MM | $0.18MM |
| Investing Cash Flow | $-908.24MM | $-584.73MM |
| Financing Cash Flow | $874.02MM | $535.77MM |
| Earnings Per Share** | $1.01 | $1.60 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.