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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)319.01m
- Net income in USD51.52m
- Incorporated2012
- Employees253.00
- LocationVelocity Financial Inc30699 Russell Ranch RoadBuilding 111, Suite 295WESTLAKE VILLAGE 91362United 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ares Commercial Real Estate Corp | 202.58m | -38.87m | 368.44m | 2.80k | -- | 0.5858 | -- | 1.82 | -0.7192 | -0.7192 | 3.72 | 11.56 | 0.0844 | -- | -- | 72,349.29 | -1.62 | 1.02 | -1.63 | 1.03 | 39.82 | 50.13 | -19.19 | 13.74 | -- | -- | 0.721 | 268.35 | 17.20 | 11.36 | -230.49 | -- | -- | 2.62 |
| Atlanticus Holdings Corp | 466.30m | 77.65m | 386.37m | 386.00 | 6.16 | 0.9657 | 4.78 | 0.8286 | 4.24 | 4.24 | 24.70 | 36.63 | 0.1831 | -- | -- | 1,208,029.00 | 4.00 | 6.58 | 4.24 | 7.02 | 54.97 | 67.67 | 21.86 | 23.62 | -- | -- | 0.7902 | 0.00 | -0.7545 | 19.52 | -29.74 | 58.12 | 23.62 | -- |
| Invesco Mortgage Capital Inc | 288.33m | -37.54m | 410.25m | 0.00 | -- | 0.8267 | -- | 1.42 | -0.7977 | -0.7977 | 6.54 | 16.15 | 0.0556 | -- | 11.32 | -- | -0.3055 | -3.24 | -2.00 | -17.75 | 12.97 | 42.75 | -5.50 | -102.42 | -- | 0.6586 | 0.8507 | -- | 34.60 | -14.82 | 91.00 | -- | -- | -35.59 |
| DigiAsia Corp | 0.00 | -63.56k | 413.92m | -- | -- | 13.01 | 1,095.34 | -- | -0.0059 | -0.0059 | 0.00 | 0.5242 | 0.00 | -- | -- | -- | -0.0544 | -- | -0.056 | -- | -- | -- | -- | -- | -- | -- | 0.1845 | -- | -- | -- | -100.64 | -- | -- | -- |
| Yiren Digital Ltd - ADR | 676.26m | 287.35m | 446.61m | 1.06k | 1.57 | 0.3999 | 1.55 | 0.6604 | 3.22 | 3.22 | 7.57 | 12.60 | 0.5205 | -- | 13.60 | -- | 22.11 | 10.63 | 27.36 | 16.04 | 80.06 | 83.23 | 42.49 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -- | -- |
| Lendingtree Inc | 672.50m | -122.40m | 475.15m | 860.00 | -- | 3.83 | -- | 0.7065 | -9.42 | -9.42 | 51.88 | 9.52 | 0.6718 | -- | 8.87 | 781,979.10 | -12.23 | -4.13 | -13.28 | -4.90 | 94.24 | 94.20 | -18.20 | -4.74 | -- | -- | 0.8099 | -- | -31.73 | -2.54 | 34.87 | -- | -3.42 | -- |
| Green Dot Corporation | 1.50bn | 6.72m | 479.49m | 1.20k | 66.76 | 0.5544 | 5.35 | 0.3194 | 0.1351 | 0.1351 | 28.67 | 16.27 | 0.3126 | -- | 28.84 | 1,251,107.00 | 0.14 | 1.23 | 0.7948 | 4.96 | -- | -- | 0.4477 | 3.58 | -- | 4.20 | 0.7961 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
| Runway Growth Finance Corp | 164.21m | 44.34m | 508.80m | 0.00 | 11.47 | 0.93 | 11.47 | 3.10 | 1.09 | 1.09 | 4.05 | 13.50 | 0.1479 | -- | -- | -- | 3.99 | 5.28 | 4.06 | 6.03 | 51.95 | 62.06 | 27.00 | 43.18 | -- | 2.31 | 0.4825 | 72.58 | 52.40 | 51.23 | 37.49 | 30.41 | -- | -- |
| CompoSecure Inc | 390.63m | 19.24m | 539.11m | 922.00 | 7.27 | -- | 4.46 | 1.38 | 0.9198 | 0.9198 | 12.40 | -10.11 | 2.15 | 3.83 | 10.05 | 423,675.70 | 61.83 | -- | -- | -- | 53.52 | -- | 28.80 | -- | 2.12 | 4.90 | 2.57 | -- | 3.21 | -- | 3.12 | -- | -- | -- |
| Qudian Inc (ADR) | 17.45m | 5.41m | 546.50m | 215.00 | 399.63 | 0.3385 | -- | 31.32 | 0.0061 | 0.0061 | 0.0801 | 7.18 | 0.01 | -- | 9.76 | -- | 0.3102 | 6.15 | 0.3276 | 6.94 | -26.73 | 89.41 | 30.97 | 30.14 | -- | -- | 0.00 | -- | -78.12 | -56.04 | 110.81 | -56.43 | -- | -- |
| Velocity Financial Inc | 319.01m | 51.52m | 556.57m | 253.00 | 11.15 | 1.28 | 10.49 | 1.74 | 1.51 | 1.51 | 9.25 | 13.19 | 0.0783 | -- | 13.43 | 1,260,921.00 | 1.28 | 1.07 | 1.44 | 1.14 | 90.42 | 93.93 | 16.39 | 13.64 | -- | 1.39 | 0.8979 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
| Open Lending Corp | 117.46m | 22.07m | 586.22m | 210.00 | 27.44 | 2.84 | 25.24 | 4.99 | 0.1793 | 0.1793 | 0.9675 | 1.73 | 0.3117 | -- | 2.51 | 559,333.30 | 5.86 | 15.71 | 6.15 | 16.62 | 81.03 | 89.02 | 18.79 | 27.96 | -- | 89.19 | 0.412 | 422.19 | -34.60 | 17.61 | -66.87 | -- | 3.02 | -- |
| Cass Information Systems Inc | 215.93m | 30.09m | 592.16m | 1.06k | 19.91 | 2.58 | 22.12 | 2.74 | 2.18 | 2.18 | 15.65 | 16.83 | 0.0915 | -- | 6.16 | 203,514.60 | 1.27 | 1.33 | 11.57 | 10.70 | 91.57 | 96.71 | 13.94 | 17.21 | -- | -- | 0.7438 | 52.08 | 13.84 | 7.00 | -13.88 | -0.0896 | 26.63 | 6.60 |
| EZCORP Inc | 1.08bn | 50.16m | 610.55m | 7.50k | 17.67 | 0.7892 | 7.37 | 0.5629 | 0.6266 | 0.6266 | 13.81 | 14.03 | 0.7524 | 2.83 | 16.47 | 144,627.30 | 3.48 | 0.4886 | 3.91 | 0.5558 | 58.07 | 58.39 | 4.62 | 0.7045 | 3.08 | 2.60 | 0.3189 | 0.00 | 18.37 | 5.25 | -23.32 | -2.13 | -0.0138 | -- |
| International Money Express Inc | 658.73m | 59.52m | 714.79m | 1.11k | 12.93 | 4.81 | 9.88 | 1.09 | 1.64 | 1.64 | 18.08 | 4.41 | 1.21 | -- | 4.62 | 593,454.10 | 10.93 | 12.47 | 17.49 | 19.28 | -- | -- | 9.03 | 9.27 | -- | 9.51 | 0.5581 | 0.00 | 20.47 | 19.19 | 3.81 | -- | 18.62 | -- |
| Loandepot Inc | 1.29bn | -110.14m | 756.03m | 4.25k | -- | 2.14 | -- | 0.5867 | -0.6323 | -0.6323 | 7.37 | 1.10 | 0.202 | -- | -- | 303,196.00 | -3.69 | 4.67 | -6.88 | -- | 82.54 | 87.76 | -18.28 | 13.42 | -- | 0.262 | 0.857 | -- | -19.52 | 0.2811 | 59.66 | -- | -12.75 | -- |
Data as of Apr 26 2024. Currency figures normalised to Velocity Financial Inc's reporting currency: US Dollar USD
59.48%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Pacific Investment Management Co. LLCas of 31 Dec 2023 | 10.96m | 33.84% |
| Beach Point Capital Management LPas of 31 Dec 2023 | 5.31m | 16.39% |
| Adage Capital Management LPas of 31 Dec 2023 | 1.18m | 3.64% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 543.61k | 1.68% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 411.11k | 1.27% |
| Bridgeway Capital Management LLCas of 31 Dec 2023 | 269.80k | 0.83% |
| Geode Capital Management LLCas of 31 Dec 2023 | 192.74k | 0.60% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 171.88k | 0.53% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 117.09k | 0.36% |
| Empowered Funds LLCas of 31 Dec 2023 | 113.15k | 0.35% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
