VEL PEER ANALYSIS

Velocity Financial Llc — metric-by-metric comparison with peers and the industry median

VELVelocity Financial Llc

🇺🇸 USA · NYSE · Financial Services · Mortgage Finance

Value it Duel

Overall Profile & Returns

· Mortgage Finance

Position Within Industry

0 = weak quartile, 100 = strong quartile

VELIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	VEL	NWG	TSKB	VERUS	STAN	LSEG	Ind. Median
P/E	6.77	9.16	2.96●	—	12.09	36.21	8.87
P/B	1.05	1.41	0.71●	5.68	1.20	2.29	1.06
EV/EBITDA	20.36	-8.43●	2.21	53.76	9.17	11.90	19.60
P/S	—	—	—	49.54	—	—	—

Financial Health
Metric	VEL	NWG	TSKB	VERUS	STAN	LSEG	Ind. Median
Current Ratio	0.60	0.25	—	3.82	0.13	229.64●	0.20
Debt/Equity	969.5%	17.0%	0.0%●	14.0%	155.9%	59.2%	397.7%
NetDebt/EBITDA	18.35	-14.68●	-0.47	-5.71	1.55	1.74	15.41

Profitability
Metric	VEL	NWG	TSKB	VERUS	STAN	LSEG	Ind. Median
Net Margin	15.8%	20.1%	54.9%●	-66.7%	11.8%	13.4%	5.6%
ROE	17.3%	14.9%	27.4%●	-8.3%	10.2%	5.8%	12.3%
ROA	1.6%	0.8%	3.7%●	-7.0%	0.6%	0.2%	1.3%
EBITDA Margin	—	—	—	83.3%	—	—	—

Growth + Dividend
Metric	VEL	NWG	TSKB	VERUS	STAN	LSEG	Ind. Median
Rev. Growth	—	—	—	-45.9%	—	—	—
NI Growth	56.0%	16.0%	-1.3%	—	27.4%	82.3%●	50.8%
Div. Yield	—	4.8%●	—	0.0%	2.9%	1.7%	3.2%
Payout	—	—	—	0.0%	—	57.5%	116.2%

Valuation
Metric	VEL	UWMC	WD	PFSI	Ind. Median
P/E	6.77●	6.91	26.35	8.87	8.87
P/B	1.05	2.00	1.06	1.04●	1.06
EV/EBITDA	20.36	15.77	12.97●	19.60	19.60
P/S	—	—	—	—	—

Financial Health
Metric	VEL	UWMC	WD	PFSI	Ind. Median
Current Ratio	0.60●	0.20	0.18	0.08	0.20
Debt/Equity	969.5%	7,065.1%	195.4%●	397.7%	397.7%
NetDebt/EBITDA	18.35	15.32	8.24●	15.41	15.41

Profitability
Metric	VEL	UWMC	WD	PFSI	Ind. Median
Net Margin	15.8%●	2.1%	5.6%	14.3%	5.6%
ROE	17.3%	33.7%●	4.1%	12.3%	12.3%
ROA	1.6%	0.4%	1.3%	1.8%●	1.3%
EBITDA Margin	—	—	—	—	—

Growth + Dividend
Metric	VEL	UWMC	WD	PFSI	Ind. Median
Rev. Growth	—	—	—	—	—
NI Growth	56.0%●	—	-28.1%	45.6%	50.8%
Div. Yield	—	18.0%●	4.9%	1.4%	3.2%
Payout	—	779.4%	129.9%	12.5%	116.2%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.