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About the company
Velocity Financial, Inc. is a vertically integrated real estate finance company that primarily originates and manages business purpose loans secured by 1-4-unit residential rental and small commercial properties. It originates loans nationwide across its network of independent mortgage brokers. The Company's portfolio provides loans held for investment. The Company’s typical investor real estate loan is secured by a first lien on the underlying property with the added protection of a personal guarantee. Its portfolio of loans held for investment totaled $4.1 billion of unpaid principal balance (UPB) on properties in 45 states and the District of Columbia. The Company funds its portfolio primarily through a combination of committed and uncommitted secured warehouse facilities, securitized debt, corporate debt and equity.
- Revenue in USD (TTM)388.27m
- Net income in USD64.37m
- Incorporated2012
- Employees253.00
- LocationVelocity Financial Inc2945 Townsgate Road, Suite 110WESTLAKE VILLAGE 91361United StatesUSA
- Fax+1 (302) 636-5454
- Websitehttps://www.velfinance.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Yiren Digital Ltd - ADR | 754.44m | 279.28m | 420.76m | 754.00 | 1.53 | 0.3397 | 1.50 | 0.5577 | 3.16 | 3.16 | 8.54 | 14.25 | 0.5154 | -- | 9.53 | 1,000,579.00 | 19.08 | 10.63 | 23.52 | 16.04 | 83.33 | 83.23 | 37.02 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -49.90 | -- |
| LexinFintech Holdings Ltd - ADR | 1.92bn | 112.05m | 542.56m | 4.27k | 5.06 | 0.3891 | -- | 0.2825 | 0.6518 | 0.6518 | 11.22 | 8.48 | 0.5927 | 175.11 | 2.49 | 450,064.50 | 3.46 | 7.03 | 6.62 | 15.32 | 37.11 | 38.77 | 5.83 | 12.58 | 1.77 | 1.67 | 0.3404 | 1.91 | 32.35 | 11.44 | 30.03 | -11.62 | 33.45 | -- |
| Green Dot Corporation | 1.63bn | -55.41m | 550.59m | 1.20k | -- | 0.591 | 17.94 | 0.3368 | -1.04 | -1.04 | 30.69 | 17.34 | 0.3287 | -- | 55.58 | 1,362,413.00 | -1.11 | 1.23 | -6.07 | 4.96 | -- | -- | -3.39 | 3.58 | -- | 1.19 | 0.8063 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
| Lendingtree Inc | 773.05m | -36.49m | 583.25m | 860.00 | -- | 6.19 | -- | 0.7545 | -2.71 | -2.71 | 58.30 | 7.05 | 0.9246 | -- | 6.97 | 898,895.40 | -4.36 | -4.13 | -5.49 | -4.90 | 95.54 | 94.20 | -4.72 | -4.74 | -- | 0.5569 | 0.8337 | -- | -31.73 | -2.54 | 34.87 | -- | -3.42 | -- |
| EZCORP Inc | 1.16bn | 83.10m | 661.81m | 8.00k | 10.99 | 0.8198 | 5.70 | 0.5697 | 1.10 | 1.10 | 13.76 | 14.75 | 0.7846 | 2.67 | 15.88 | 145,200.30 | 5.61 | 1.70 | 6.65 | 1.94 | 58.74 | 58.48 | 7.15 | 2.41 | 1.99 | -- | 0.2902 | 0.00 | 10.73 | 6.52 | 116.04 | 94.33 | -1.64 | -- |
| Velocity Financial Inc | 388.27m | 64.37m | 671.90m | 253.00 | 11.04 | 1.39 | 10.23 | 1.73 | 1.84 | 1.84 | 10.94 | 14.64 | 0.0833 | -- | 13.46 | 1,534,656.00 | 1.39 | 1.07 | 1.54 | 1.14 | 90.91 | 93.93 | 16.70 | 13.64 | -- | 1.39 | 0.9036 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
| World Acceptance Corp. | 557.95m | 83.80m | 688.33m | 2.87k | 7.99 | 1.62 | 7.28 | 1.23 | 14.71 | 14.71 | 98.17 | 72.36 | 0.5179 | -- | -- | 194,272.70 | 7.78 | 5.10 | 8.85 | 5.87 | 91.78 | 93.52 | 15.02 | 9.31 | -- | -- | 0.5474 | 0.00 | -7.03 | 1.03 | 264.29 | 1.15 | -21.60 | -- |
| Loandepot Inc | 1.39bn | -92.29m | 761.91m | 4.25k | -- | 2.44 | -- | 0.5471 | -0.5134 | -0.5134 | 6.36 | 0.9557 | 0.2229 | -- | -- | 327,674.80 | -3.11 | 4.67 | -6.69 | -- | 81.42 | 87.76 | -13.96 | 13.42 | -- | 0.5389 | 0.8843 | -- | -19.52 | 0.2811 | 59.66 | -- | -12.75 | -- |
| Atlanticus Holdings Corp | 533.81m | 81.04m | 800.32m | 386.00 | 12.20 | 1.75 | 9.39 | 1.50 | 4.45 | 4.45 | 28.47 | 38.86 | 0.1894 | -- | -- | 1,382,928.00 | 3.74 | 6.58 | 3.97 | 7.02 | 51.80 | 67.67 | 19.75 | 23.62 | -- | -- | 0.8006 | 0.00 | -0.7545 | 19.52 | -29.74 | 58.12 | 23.62 | -- |
| Guild Holdings Co | 1.08bn | -93.82m | 850.93m | 4.20k | -- | 0.7293 | -- | 0.7905 | -1.55 | -1.55 | 17.43 | 18.85 | 0.2645 | -- | 18.93 | 256,305.00 | -2.31 | 5.30 | -2.40 | 5.56 | -- | -- | -8.74 | 14.41 | -- | -0.3457 | 0.7186 | 15.96 | -14.41 | 1.70 | -111.87 | -- | -3.79 | -- |
Data as of Nov 22 2024. Currency figures normalised to Velocity Financial Inc's reporting currency: US Dollar USD
57.64%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Pacific Investment Management Co. LLCas of 30 Sep 2024 | 10.96m | 33.11% |
| Beach Point Capital Management LPas of 30 Sep 2024 | 5.54m | 16.72% |
| BlackRock Fund Advisorsas of 30 Sep 2024 | 720.13k | 2.18% |
| Adage Capital Management LPas of 30 Sep 2024 | 465.35k | 1.41% |
| The Vanguard Group, Inc.as of 30 Sep 2024 | 459.84k | 1.39% |
| Bridgeway Capital Management LLCas of 30 Sep 2024 | 295.37k | 0.89% |
| Geode Capital Management LLCas of 30 Sep 2024 | 195.48k | 0.59% |
| BlackRock Financial Management, Inc.as of 30 Sep 2024 | 155.77k | 0.47% |
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 153.84k | 0.47% |
| Empowered Funds LLCas of 30 Sep 2024 | 138.72k | 0.42% |
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Data from 30 Sep 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
