VELVelocity Financial, Inc.
Finance Services
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired17% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear40% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $29M | $32M | $52M | $68M | $105M | 54% |
| Operating cash flow | $58M | $49M | $49M | $38M | $18M | 52% |
| Capex | $135K | $326K | $180K | $289K | $281K | 2.8% |
| Stock-based comp | $2M | $3M | $4M | $6M | $8M | 35% |
| Buybacks | — | $458K | $861K | $2M | $7M | 373% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $36K · 1
- Net
- −$36K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $7M | $7M | 215 | — |
| FY2024 | $5M | $6M | 203 | — |
| FY2023 | $4M | $6M | 178 | — |