VEL
Velocity Financial, Inc.
Financial - Mortgages
Market Cap$718M
5Y Perf.+370.2%
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Stock Comparison
VEL vs TPVG
Revenue, margins, valuation, and 5-year total return — side by side.
TPVG
TriplePoint Venture Growth BDC Corp.
Asset Management
Market Cap$243M
5Y Perf.-40.2%
VEL vs TPVG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | VEL | TPVG |
|---|---|---|
| Industry | Financial - Mortgages | Asset Management |
| Market Cap | $718M | $243M |
| Revenue (TTM) | $714M | $97M |
| Net Income (TTM) | $108M | $-12M |
| Gross Margin | 95.3% | 83.5% |
| Operating Margin | 71.6% | 77.9% |
| Forward P/E | 6.6x | 6.5x |
| Total Debt | $6.54B | $469M |
| Cash & Equiv. | $92M | $20M |
VEL vs TPVG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
VEL
TPVG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Velocity Financial,… (VEL) | 100 | 470.2 | +370.2% |
| TriplePoint Venture… (TPVG) | 100 | 59.8 | -40.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: VEL vs TPVG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TPVG leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Velocity Financial, Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
VEL
Velocity Financial, Inc.
The Banking Pick
VEL is the clearest fit if your priority is income & stability and growth exposure.
- beta 0.42
- Rev growth 48.0%, EPS growth 44.0%
- Lower volatility, beta 0.42, current ratio 0.63x
Best for: income & stability and growth exposure
TPVG
TriplePoint Venture Growth BDC Corp.
The Banking Pick
TPVG carries the broadest edge in this set and is the clearest fit for long-term compounding and bank quality.
- 93.3% 10Y total return vs VEL's 35.4%
- NIM 7.4% vs VEL's 2.5%
- Lower P/E (6.5x vs 6.6x)
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | VEL | 48.0% NII/revenue growth vs TPVG's 36.6% |
| Value | TPVG | Lower P/E (6.5x vs 6.6x) |
| Quality / Margins | TPVG | Efficiency ratio 0.1% vs VEL's 0.2% (lower = leaner) |
| Stability / Safety | VEL | Beta 0.42 vs TPVG's 0.83 |
| Dividends | TPVG | 17.1% yield; the other pay no meaningful dividend |
| Momentum (1Y) | TPVG | +19.3% vs VEL's +9.4% |
| Efficiency (ROA) | TPVG | Efficiency ratio 0.1% vs VEL's 0.2% |
VEL vs TPVG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVELLAGGINGTPVG
TPVGTriplePoint Venture G…
2leads
VELVelocity Financial, I…
2leads
6 Total Categories
CATEGORYLEADERvs TPVGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
VEL3/5
Valuation MetricsMultiples, price ratios, and targets
TPVG4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TPVG5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
VEL2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
VEL leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
VEL is the larger business by revenue, generating $714M annually — 7.3x TPVG's $97M. TPVG is the more profitable business, keeping 50.6% of every revenue dollar as net income compared to VEL's 14.7%.
| Metric | VELVelocity Financia… | TPVGTriplePoint Ventu… |
|---|---|---|
| RevenueTrailing 12 months | $714M | $97M |
| EBITDAEarnings before interest/tax | $273M | -$22M |
| Net IncomeAfter-tax profit | $108M | -$12M |
| Free Cash FlowCash after capex | $26M | $35M |
| Gross MarginGross profit ÷ Revenue | +95.3% | +83.5% |
| Operating MarginEBIT ÷ Revenue | +71.6% | +77.9% |
| Net MarginNet income ÷ Revenue | +14.7% | +50.6% |
| FCF MarginFCF ÷ Revenue | +2.5% | -58.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +11.8% | -2.3% |
VEL leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
TPVG leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, TPVG trades at a 26% valuation discount to VEL's 6.7x P/E. On an enterprise value basis, TPVG's 9.1x EV/EBITDA is more attractive than VEL's 14.0x.
| Metric | VELVelocity Financia… | TPVGTriplePoint Ventu… |
|---|---|---|
| Market CapShares × price | $718M | $243M |
| Enterprise ValueMkt cap + debt − cash | $7.2B | $691M |
| Trailing P/EPrice ÷ TTM EPS | 6.65x | 4.91x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.60x | 6.50x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.84x |
| EV / EBITDAEnterprise value multiple | 13.95x | 9.13x |
| Price / SalesMarket cap ÷ Revenue | 1.00x | 2.50x |
| Price / BookPrice ÷ Book value/share | 1.03x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 40.13x | — |
TPVG leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
TPVG leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
VEL delivers a 16.6% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $-3 for TPVG. TPVG carries lower financial leverage with a 1.33x debt-to-equity ratio, signaling a more conservative balance sheet compared to VEL's 9.68x. On the Piotroski fundamental quality scale (0–9), VEL scores 6/9 vs TPVG's 5/9, reflecting solid financial health.
| Metric | VELVelocity Financia… | TPVGTriplePoint Ventu… |
|---|---|---|
| ROE (TTM)Return on equity | +16.6% | -3.4% |
| ROA (TTM)Return on assets | +1.5% | -1.5% |
| ROICReturn on invested capital | +6.1% | +7.2% |
| ROCEReturn on capital employed | +8.6% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 9.68x | 1.33x |
| Net DebtTotal debt minus cash | $6.4B | $449M |
| Cash & Equiv.Liquid assets | $92M | $20M |
| Total DebtShort + long-term debt | $6.5B | $469M |
| Interest CoverageEBIT ÷ Interest expense | 1.07x | -1.02x |
TPVG leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — VEL and TPVG each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in VEL five years ago would be worth $14,632 today (with dividends reinvested), compared to $8,649 for TPVG. Over the past 12 months, TPVG leads with a +19.3% total return vs VEL's +9.4%. The 3-year compound annual growth rate (CAGR) favors VEL at 27.2% vs TPVG's -1.2% — a key indicator of consistent wealth creation.
| Metric | VELVelocity Financia… | TPVGTriplePoint Ventu… |
|---|---|---|
| YTD ReturnYear-to-date | -6.4% | -6.3% |
| 1-Year ReturnPast 12 months | +9.4% | +19.3% |
| 3-Year ReturnCumulative with dividends | +105.7% | -3.4% |
| 5-Year ReturnCumulative with dividends | +46.3% | -13.5% |
| 10-Year ReturnCumulative with dividends | +35.4% | +93.3% |
| CAGR (3Y)Annualised 3-year return | +27.2% | -1.2% |
Evenly matched — VEL and TPVG each lead in 3 of 6 comparable metrics.
Risk & Volatility
VEL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
VEL is the less volatile stock with a 0.42 beta — it tends to amplify market swings less than TPVG's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. VEL currently trades 85.5% from its 52-week high vs TPVG's 79.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | VELVelocity Financia… | TPVGTriplePoint Ventu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.42x | 0.83x |
| 52-Week HighHighest price in past year | $21.39 | $7.53 |
| 52-Week LowLowest price in past year | $16.18 | $4.48 |
| % of 52W HighCurrent price vs 52-week peak | +85.5% | +79.5% |
| RSI (14)Momentum oscillator 0–100 | 57.1 | 58.3 |
| Avg Volume (50D)Average daily shares traded | 99K | 504K |
VEL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates VEL as "Buy" and TPVG as "Hold". Consensus price targets imply 49.4% upside for TPVG (target: $9) vs 25.8% for VEL (target: $23). TPVG is the only dividend payer here at 17.11% yield — a key consideration for income-focused portfolios.
| Metric | VELVelocity Financia… | TPVGTriplePoint Ventu… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $23.00 | $8.95 |
| # AnalystsCovering analysts | 7 | 12 |
| Dividend YieldAnnual dividend ÷ price | — | +17.1% |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | $1.02 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
VEL leads in 2 of 6 categories (Income & Cash Flow, Risk & Volatility). TPVG leads in 2 (Valuation Metrics, Profitability & Efficiency). 1 tied.
Best OverallVelocity Financial, Inc. (VEL)Leads 2 of 6 categories
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VEL vs TPVG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is VEL or TPVG a better buy right now?
For growth investors, Velocity Financial, Inc.
(VEL) is the stronger pick with 48. 0% revenue growth year-over-year, versus 36. 6% for TriplePoint Venture Growth BDC Corp. (TPVG). TriplePoint Venture Growth BDC Corp. (TPVG) offers the better valuation at 4. 9x trailing P/E (6. 5x forward), making it the more compelling value choice. Analysts rate Velocity Financial, Inc. (VEL) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — VEL or TPVG?
On trailing P/E, TriplePoint Venture Growth BDC Corp.
(TPVG) is the cheapest at 4. 9x versus Velocity Financial, Inc. at 6. 7x. On forward P/E, TriplePoint Venture Growth BDC Corp. is actually cheaper at 6. 5x.
03Which is the better long-term investment — VEL or TPVG?
Over the past 5 years, Velocity Financial, Inc.
(VEL) delivered a total return of +46. 3%, compared to -13. 5% for TriplePoint Venture Growth BDC Corp. (TPVG). Over 10 years, the gap is even starker: TPVG returned +93. 3% versus VEL's +35. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — VEL or TPVG?
By beta (market sensitivity over 5 years), Velocity Financial, Inc.
(VEL) is the lower-risk stock at 0. 42β versus TriplePoint Venture Growth BDC Corp. 's 0. 83β — meaning TPVG is approximately 98% more volatile than VEL relative to the S&P 500. On balance sheet safety, TriplePoint Venture Growth BDC Corp. (TPVG) carries a lower debt/equity ratio of 133% versus 10% for Velocity Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — VEL or TPVG?
By revenue growth (latest reported year), Velocity Financial, Inc.
(VEL) is pulling ahead at 48. 0% versus 36. 6% for TriplePoint Venture Growth BDC Corp. (TPVG). On earnings-per-share growth, the picture is similar: TriplePoint Venture Growth BDC Corp. grew EPS 48. 8% year-over-year, compared to 44. 0% for Velocity Financial, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — VEL or TPVG?
TriplePoint Venture Growth BDC Corp.
(TPVG) is the more profitable company, earning 50. 6% net margin versus 14. 7% for Velocity Financial, Inc. — meaning it keeps 50. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TPVG leads at 77. 9% versus 71. 6% for VEL. At the gross margin level — before operating expenses — VEL leads at 95. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is VEL or TPVG more undervalued right now?
On forward earnings alone, TriplePoint Venture Growth BDC Corp.
(TPVG) trades at 6. 5x forward P/E versus 6. 6x for Velocity Financial, Inc. — 0. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TPVG: 49. 4% to $8. 95.
08Which pays a better dividend — VEL or TPVG?
In this comparison, TPVG (17.
1% yield) pays a dividend. VEL does not pay a meaningful dividend and should not be held primarily for income.
09Is VEL or TPVG better for a retirement portfolio?
For long-horizon retirement investors, TriplePoint Venture Growth BDC Corp.
(TPVG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 17. 1% yield). Both have compounded well over 10 years (TPVG: +93. 3%, VEL: +35. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between VEL and TPVG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
TPVG pays a dividend while VEL does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(VEL: 48.0% · TPVG: 36.6%)Net Margin>
%
(VEL: 14.7% · TPVG: 50.6%)P/E Ratio<
x
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