Velocity Financial, Inc. VEL NYSE

Velocity Financial, Inc. (VEL) reported total assets of $7.38B and total liabilities of $6.71B for quarter ending 2025-12-31, resulting in total equity of $675.69M.

The company held $92.1M in cash and short-term investments. Total debt stood at $6.54B, with net debt of $6.45B. The Debt-to-Equity (D/E) ratio was 9.68 (leveraged).

Current ratio is 0.46, which may signal tight short-term liquidity. Interest coverage is 1.5x (weak).

Criteria supported by this page:

• HEALTH (0/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (64/100) — Total assets $7.38B and equity $675.69M support the company's competitive scale
• VALUE (94/100) — Debt-to-Equity 9.68 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 70/100 with 4/7 criteria passed.