Last 32 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.53 | 7.33 | 8.08 | 5.77 | 6.98 | 6.82 | 9.17 | 8.73 | 11.40 | 10.93 | 9.38 | 8.79 | 8.31 | 8.01 | 7.28 | 10.05 | 9.34 | 8.86 | 30.39 | 14.27 | 14.30 |
| — | +7.5% | -11.9% | -34.0% | -38.8% | -37.7% | -2.2% | -0.6% | +37.2% | +36.5% | +28.7% | -12.6% | -11.1% | -9.7% | -76.0% | -29.6% | -34.7% | -20.5% | +37.0% | +165.7% | +25.4% | |
| P/S Ratio | 1.71 | 2.72 | 3.02 | 2.43 | 2.28 | 2.24 | 3.90 | 3.51 | 3.18 | 2.39 | 4.25 | 3.17 | 2.48 | 2.82 | 2.30 | 2.89 | 3.81 | 3.73 | 6.57 | 5.49 | 5.51 |
| — | +21.2% | -22.6% | -30.8% | -28.3% | -6.1% | -8.2% | +11.0% | +28.0% | -15.1% | +84.6% | +9.5% | -34.8% | -24.5% | -65.0% | -47.3% | -30.9% | -27.6% | +19.3% | +125.0% | +120.5% | |
| P/B Ratio | 0.86 | 1.00 | 1.02 | 1.17 | 1.10 | 1.17 | 1.22 | 1.36 | 1.44 | 1.34 | 1.40 | 1.38 | 0.93 | 0.97 | 0.79 | 0.86 | 1.00 | 1.04 | 1.08 | 1.36 | 1.86 |
| — | -14.2% | -16.3% | -13.6% | -23.5% | -13.3% | -13.0% | -1.6% | +54.5% | +38.4% | +77.8% | +59.7% | -6.6% | -6.7% | -26.9% | -36.6% | -46.2% | -42.7% | -18.9% | +46.4% | +139.5% | |
| P/FCF | 33.39 | 49.20 | 14.76 | — | 15.56 | 23.10 | 50.10 | 5.32 | — | 14.01 | 15.13 | 7.53 | — | 2.22 | — | 2.06 | — | 84.07 | 7.95 | 7.29 | 6.04 |
| — | +113.0% | -70.5% | — | — | +64.8% | +231.1% | -29.4% | — | +531.6% | — | +266.4% | — | -97.4% | — | -71.8% | — | +724.5% | +11.2% | +146.5% | +97.9% | |
| EV / EBITDA | 13.72 | 12.20 | 12.47 | 11.29 | 47.31 | 46.19 | — | 12.82 | 59.84 | 59.36 | 13.10 | 47.74 | 55.78 | 54.93 | 59.44 | 72.81 | 60.85 | 52.60 | 164.94 | 58.42 | 53.36 |
| — | -73.6% | — | -11.9% | -20.9% | -22.2% | — | -73.1% | +7.3% | +8.1% | -78.0% | -34.4% | -8.3% | +4.4% | -64.0% | +24.6% | +14.0% | +24.0% | +68.7% | +50.5% | -36.9% | |
| EV / EBIT | 13.77 | 12.78 | 13.11 | 12.00 | 47.74 | 46.65 | 14.43 | 12.89 | 61.58 | 61.03 | 13.33 | 49.35 | 57.46 | 56.62 | 61.48 | 76.13 | 63.10 | 54.48 | 186.93 | 61.73 | 56.29 |
| — | -72.6% | -9.2% | -7.0% | -22.5% | -23.6% | +8.2% | -73.9% | +7.2% | +7.8% | -78.3% | -35.2% | -8.9% | +3.9% | -67.1% | +23.3% | +12.1% | +23.7% | +66.9% | +51.1% | -40.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.3% | 88.2% | 91.6% | 90.5% | 44.6% | 46.0% | 31.9% | 85.8% | 41.4% | 42.7% | 91.7% | 45.3% | 43.2% | 41.0% | 41.2% | 39.3% | 37.8% | 42.8% | 24.6% | 42.4% | 44.7% |
| — | +91.6% | +187.1% | +5.5% | +7.9% | +7.8% | -65.2% | +89.3% | -4.2% | +4.2% | +122.5% | +15.3% | +14.3% | -4.2% | +67.5% | -7.3% | -15.4% | -10.0% | -23.3% | -8.5% | +23.0% | |
| Operating Margin | 71.6% | 86.2% | 87.5% | 87.5% | 20.5% | 20.4% | -5.1% | 85.9% | 17.8% | 17.4% | 89.0% | 21.6% | 18.9% | 19.9% | 18.5% | 15.9% | 22.3% | 25.5% | 7.3% | 23.0% | 24.1% |
| — | +321.8% | +1829.7% | +1.9% | +15.3% | +17.6% | -105.7% | +297.0% | -5.7% | -12.7% | +379.9% | +35.8% | -15.4% | -21.9% | +153.3% | -30.7% | -7.5% | -10.0% | -33.8% | -13.4% | +94.9% | |
| Net Margin | 14.7% | 14.1% | 13.3% | 19.1% | 14.7% | 15.7% | 15.4% | 16.5% | 13.2% | 12.9% | 17.5% | 16.8% | 13.2% | 14.4% | 13.4% | 11.5% | 15.9% | 18.3% | 5.7% | 16.9% | 17.7% |
| — | -10.1% | -13.7% | +15.8% | +11.2% | +21.2% | -11.8% | -2.0% | +0.1% | -10.4% | +30.7% | +46.0% | -16.5% | -21.4% | +135.5% | -31.7% | -10.5% | -11.7% | -30.3% | -22.0% | +106.5% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.6% | 3.5% | 3.3% | 5.3% | 4.1% | 4.5% | 3.4% | 4.1% | 3.3% | 3.2% | 3.9% | 4.1% | 2.9% | 3.1% | 2.8% | 2.3% | 2.7% | 3.0% | 0.9% | 2.8% | 3.4% |
| — | -20.5% | -3.8% | +29.7% | +24.8% | +40.3% | -12.3% | +0.8% | +12.1% | +3.8% | +39.9% | +79.8% | +7.1% | +1.7% | +206.1% | -20.9% | -18.9% | -27.3% | -41.2% | -36.2% | +101.4% | |
| ROA | 1.6% | 0.3% | 0.3% | 0.5% | 0.4% | 0.4% | 0.3% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.1% | 0.3% | 0.3% |
| — | -22.6% | -6.7% | +26.5% | +20.4% | +34.3% | -16.2% | -5.8% | +4.7% | -0.6% | +36.0% | +78.0% | +4.8% | -5.3% | +166.4% | -27.8% | -15.8% | -22.5% | -33.8% | -30.0% | +110.4% | |
| ROIC | 6.1% | 1.5% | 1.5% | 1.7% | 0.4% | 0.4% | -0.1% | 1.5% | 0.3% | 0.3% | 1.5% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.1% | 0.3% | 0.4% |
| — | +262.4% | +1963.9% | +10.9% | +24.5% | +30.1% | -105.4% | +282.1% | -0.9% | -2.7% | +401.7% | +66.2% | +6.4% | -6.2% | +184.2% | -28.8% | -17.2% | -24.6% | -39.7% | -24.1% | +98.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 9.68 | 9.72 | 9.65 | 9.68 | 9.65 | 9.50 | 9.27 | 9.34 | 9.38 | 8.97 | 8.87 | 8.79 | 8.57 | 8.51 | 8.59 | 8.61 | 8.64 | 8.05 | 7.67 | 6.90 | 8.45 |
| — | +2.4% | +4.1% | +3.6% | +2.9% | +5.9% | +4.6% | +6.2% | +9.4% | +5.4% | +3.2% | +2.1% | -0.8% | +5.7% | +12.0% | +24.9% | +2.2% | +0.3% | -4.0% | -12.5% | +0.4% | |
| Debt / EBITDA | 12.74 | 45.68 | 45.66 | 40.80 | 172.30 | 166.65 | — | 45.19 | 209.19 | 208.53 | 45.85 | 166.59 | 202.69 | 198.97 | 220.21 | 268.08 | 219.76 | 188.97 | 585.70 | 197.65 | 177.46 |
| — | -72.6% | — | -9.7% | -17.6% | -20.1% | — | -72.9% | +3.2% | +4.8% | -79.2% | -37.9% | -7.8% | +5.3% | -62.4% | +35.6% | +23.8% | +35.0% | +72.9% | +41.3% | -43.3% | |
| Current Ratio | 0.63 | 0.94 | 0.60 | 0.46 | 0.33 | 0.54 | 0.30 | 0.43 | 0.30 | 0.45 | 0.37 | 0.36 | 0.40 | 0.37 | — | 0.34 | 0.27 | 0.48 | 0.26 | 0.32 | 0.31 |
| — | +75.1% | +103.9% | +8.4% | +7.3% | +20.2% | -19.7% | +19.5% | -23.4% | +21.2% | — | +6.0% | +45.3% | -24.2% | — | +4.6% | -12.3% | -12.2% | -38.8% | -55.7% | -67.1% | |
| Quick Ratio | 0.63 | 0.94 | 0.60 | 0.46 | 0.33 | 0.54 | 0.30 | 0.43 | 0.30 | 0.45 | 0.37 | 0.36 | 0.40 | 0.37 | — | 0.34 | 0.27 | 0.48 | 0.26 | 0.32 | 0.31 |
| — | +75.1% | +103.9% | +8.4% | +7.3% | +20.2% | -19.7% | +19.5% | -23.4% | +21.2% | — | +6.0% | +45.3% | -24.2% | — | +4.6% | -12.3% | -12.2% | -38.8% | -55.7% | -67.1% | |
| Interest Coverage | 1.40 | 1.31 | 1.28 | 1.50 | 0.37 | 0.39 | 1.36 | 1.43 | 0.33 | 0.42 | 1.42 | 0.40 | 0.33 | 0.34 | 0.32 | 0.26 | 0.36 | 0.45 | 0.10 | 0.40 | 0.44 |
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Includes 30+ ratios · 32 years · Updated daily
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Quick answers to the most common questions about buying VEL stock.
Velocity Financial, Inc.'s current P/E is 5.5x. The average P/E over the last 4 quarters is 7.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Velocity Financial, Inc.'s current operating margin is 71.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Velocity Financial, Inc.'s business trajectory between earnings reports.