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Employees: 371
Size Velocity Financial (VEL) is a United States Financials company (Finance/Rental/Leasing) with a market value of $696M, the 2486th largest of 3,117 United States companies the cockpit tracks. Shares closed at $17.63 on 6 Nov 2026.
Performance Over six months the shares fell 3.3%, against -5.4% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 19 in its peer set.
Growth Revenue grew 31.6% over the last twelve months (peer median +15.7%); the operating margin is 87.0% (peer median 26.6%).
Valuation It trades at 0.96× book value against a peer median of 1.06× (11th cheapest of 21).
Price implies The share price implies a return on equity of about 8.5%; Velocity Financial delivers 16.1%, so the price asks less than the business earns today.
Short interest Short interest is 3.9% of the free float (15 Oct 2026).
Next results Next results expected around 11 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $688M | $626M | $451M | $339M | $254M |
| Revenue growth | — | +39% | +33% | +34% | — |
| Gross profit | $623M | $563M | $407M | $306M | $239M |
| EBITDA | $606M | $519M | $371M | $279M | $203M |
| Net income | $106M | $104M | $67.6M | $51.5M | $31.7M |
| Free cash flow | $24.0M | $16.7M | $37.1M | $60.9M | $47.4M |
| Capital expenditure | $263,000 | $281,000 | $289,000 | $180,000 | $326,000 |
| Total debt | $7.05B | $6.54B | $4.86B | $3.84B | $3.28B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | VEL | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +18.2% | -4.3% | highest of 21 |
| 6-month return | -3.3% | -5.4% | 9th highest of 19 |
| Return on equity | 16.1% | 12.3% | 5th highest of 21 |
| Price / book | 0.96× | 1.06× | 11th cheapest of 21 |
| Trailing P/E | 6.5× | 11.9× | 4th cheapest of 17 |
| ROE the price implies | 8.5% | 8.6% | 11th least demanding of 21 |
| ROE delivered | 16.1% | 11.9% | 2nd highest of 17 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Velocity Financial VEL | United States | $696M | -3% | +32% | 16% | 0.96× | 8.5% | 16.1% |
| Green Dot GDOT | United States | $697M | -3% | +18% | -3% | 0.74× | 7.8% | -2.8% |
| Yixin 2858.HK | Hong Kong | $695M | -58% | +18% | 8% | 0.28× | 5.5% | 8.1% |
| Nishio 9699.T | Japan | $722M | -5% | -2% | 8% | 0.79× | 4.4% | 7.8% |
| World Acceptance WRLD | United States | $671M | 0% | +5% | 14% | 1.92× | 18.4% | 14.1% |
| FleetPartners FPR.AX | Australia | $723M | +78% | +4% | 12% | 1.67× | 12.7% | 12.2% |
| India Shelter Finance INDIASHLTR.NS | India | $727M | -26% | +25% | 17% | 2.12× | 21.3% | n/a |
| Judo Capital JDO.AX | Australia | $728M | -32% | +12% | 6% | 0.59× | 8.7% | 6.4% |
| Qfin 3660.HK | Hong Kong | $664M | -60% | -8% | 15% | 0.18× | 4.1% | 15.1% |
| FinVolution Group Sponsored ADR FINV | United States | $740M | -43% | -2% | 12% | 0.29× | 4.1% | 11.7% |
| RFA Financial RFA.TO | Canada | $741M | -6% | +32% | -14% | 0.74× | 5.5% | -13.8% |
| Onemi Technology Solutions KISSHT.NS | India | $652M | n/a | +63% | 24% | 2.97× | 21.9% | n/a |
| Funding Circle FCH.L | United Kingdom | $744M | +49% | +53% | 29% | 2.30× | 26.2% | 28.5% |
| Paisalo Digital PAISALO.NS | India | $752M | +52% | +24% | 15% | 3.56× | 49.6% | 14.7% |
| Rentomojo RENTOMOJO.NS | India | $638M | n/a | +45% | 44% | 18.75× | 176.8% | n/a |
| MCAN Mortgage MKP.TO | Canada | $635M | -13% | +14% | 13% | 1.33× | 8.4% | 12.8% |
| Lufax 6623.HK | Hong Kong | $773M | -59% | +5% | -3% | 0.07× | 3.8% | n/a |
| Latitude LFS.AX | Australia | $623M | -6% | +4% | 9% | 0.70× | 7.6% | 8.7% |
| Fedbank Financial Services FEDFINA.NS | India | $621M | +3% | +20% | 15% | 1.85× | 15.9% | 14.8% |
| Tourism Finance Corporation of India TFCILTD.NS | India | $787M | +92% | +28% | 12% | 5.34× | 65.6% | 12.4% |
| Navient NAVI | United States | $790M | -1% | -17% | -2% | 0.33× | 5.6% | -2.0% |