Velocity Financial - Public Comps and Valuation Multiples

Velocity Financial Overview

About Velocity Financial

Velocity Financial Inc is a United States-based real estate finance company. The company originates and manages investor loans secured by residential rental and small commercial properties. The company earns revenue in the form of interest income. It operates in New York, California, Florida, New Jersey, and other states.

Founded

2012

HQ

Employees

309

Website

velfinance.com

Sectors

Lending Solutions

Financials

LTM Revenue $194M

LTM EBITDA $120M

EV

$6.4B

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Velocity Financial Financials

As of September 2025, Velocity Financial reported last 12-month revenue of $194M and EBITDA of $120M.

In the same period, Velocity Financial achieved $85.0M in LTM net income.

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Velocity Financial P&L

In the most recent fiscal year, Velocity Financial reported revenue of $212M.

Velocity Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$194M	XXX	$212M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	$120M	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	62%	XXX	n/a	XXX	XXX	XXX
EBIT	$141M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	73%	XXX	n/a	XXX	XXX	XXX
Net Profit	$85.0M	XXX	$68.4M	XXX	XXX	XXX
Net Margin	44%	XXX	32%	XXX	XXX	XXX
Net Debt	XXX	XXX	$4.8B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Velocity Financial including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $194M. EBITDA for the last twelve months was $120M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$194M	Analyst estimates available to subscribers	$212M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$120M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	62.1% EBITDA margin	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$141M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	73.0% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$85.0M	Analyst estimates available to subscribers	$68.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	43.9% net profit margin	Analyst estimates available to subscribers	32.3% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$4.8B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Velocity Financial

This financial data table provides comprehensive performance metrics for Velocity Financial, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Velocity Financial generated $194M in revenue over the last twelve months.
The company achieved $120M in EBITDA over the last twelve months.
Net income over the last twelve months reached $85.0M.

Fiscal Year Performance

In the most recent fiscal year, Velocity Financial reported $212M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 32.3% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Velocity Financial. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Velocity Financial Stock Performance

Velocity Financial has current market cap of $690M, and EV of $6.4B.

Market Cap Evolution

Velocity Financial Stock Data

As of October 17, 2025, Velocity Financial's stock price is $18.

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$6.4B	$690M	XXX	XXX	XXX	XXX	$2.36

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Velocity Financial Valuation Multiples

Velocity Financial's trades at 30.2x EV/Revenue multiple, and n/a EV/EBITDA.

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Velocity Financial Financial Valuation Multiples

As of October 17, 2025, Velocity Financial has market cap of $690M and EV of $6.4B.

Equity research analysts estimate Velocity Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Velocity Financial has a P/E ratio of 8.1x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$690M	XXX	$690M	XXX	XXX	XXX
EV (current)	$6.4B	XXX	$6.4B	XXX	XXX	XXX
EV/Revenue	33.1x	XXX	30.2x	XXX	XXX	XXX
EV/EBITDA	53.2x	XXX	n/a	XXX	XXX	XXX
EV/EBIT	45.3x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	8.1x	XXX	10.1x	XXX	XXX	XXX
EV/FCF	87.8x	XXX	195.7x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Velocity Financial Margins & Growth Rates

Velocity Financial's last 12 month revenue growth is 17%

Velocity Financial's revenue per employee in the last FY averaged $0.7M, while opex per employee averaged n/a for the same period.

Velocity Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Velocity Financial's rule of X is 105% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Velocity Financial Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	17%	XXX	6%	XXX	XXX	XXX
EBITDA Margin	62%	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	105%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.7M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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