Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Velocity Financial's operating cash flow per share for the
three
months ended in Jun. 2026 was $0.10.
Velocity Financial's operating cash flow per share for the trailing twelve months (TTM) ended in Jun. 2026 was $0.59.
During the past 12 months, the average Operating Cash Flow per Share Growth Rate of Velocity Financial was -20.00% per year.
During the past 3 years, the average Operating Cash Flow per Share Growth Rate was -30.60% per year.
During the past 5 years, the average Operating Cash Flow per Share Growth Rate was -25.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the OCF Growth Rate using Operating Cash Flow per Share data.
The historical rank and industry rank for Velocity Financial's Operating Cash Flow per Share or its related term are showing as below:
VEL'
s 3-Year OCF Growth Rate Range Over the Past 10 Years
Min: -30.6 Med: -17.15 Max: -5.2
Current: -30.6
During the past 10 years, Velocity Financial's highest 3-Year average Operating Cash Flow per Share Growth Rate was -5.20% per year. The lowest was -30.60% per year. And the median was -17.15% per year.
VEL's 3-Year OCF Growth Rate is ranked worse than 86.02% of 1066
companies
in the Banks industry
Industry Median: 0.4
vs VEL: -30.60
Velocity Financial Operating Cash Flow per Share Related Terms
Velocity Financial Operating Cash Flow per Share Historical Data
* Premium members only.
The historical data trend for Velocity Financial's Operating Cash Flow per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Velocity Financial Operating Cash Flow per Share Chart
VEL vs LDI, ONIT, BETR: Operating Cash Flow per Share Comparison
For the Mortgage Finance subindustry, Velocity Financial's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Velocity Financial Price-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, Velocity Financial's Price-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Velocity Financial's Price-to-Operating-Cash-Flow falls into.
Operating Cash Flow per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.59
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Operating Cash Flow per Share of $0.59 mean?
Velocity Financial (VEL) has a Operating Cash Flow per Share of $0.59 as of Jun. 2026. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on Velocity Financial and its competitors. According to the industry distribution chart, Velocity Financial ranks #917 out of 1066 companies in the Banks industry, placing it in the top 86%.
Is Velocity Financial's Operating Cash Flow per Share too high?
Velocity Financial's current Operating Cash Flow per Share is $0.59. The Banks industry median Operating Cash Flow per Share is 0.40. Velocity Financial's value of $0.59 is 47.5% above this industry median. Based on the distribution chart, Velocity Financial ranks #917 out of 1066 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Velocity Financial has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Velocity Financial's Operating Cash Flow per Share compare to LDI and ONIT?
According to the Banks industry distribution chart, Velocity Financial ranks #917 out of 1066 companies for Operating Cash Flow per Share. This places Velocity Financial in the lower half of its industry. The industry median Operating Cash Flow per Share is 0.40. Velocity Financial's value of $0.59 is 47.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Cash Flow per Share for a Banks company?
The median Operating Cash Flow per Share among Banks companies is 0.40, based on 1,066 companies in the industry. Companies in the top quartile (top 25%) have a Operating Cash Flow per Share significantly above this median, while those in the bottom quartile fall well below. However, Operating Cash Flow per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Velocity Financial's current Operating Cash Flow per Share of $0.59 is 47.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Operating Cash Flow per Share mean?
A high Operating Cash Flow per Share can signal that a stock is expensive relative to its fundamentals. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on Velocity Financial and its competitors. For the Banks industry, the median Operating Cash Flow per Share is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Velocity Financial's current Operating Cash Flow per Share is $0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Velocity Financial stock overvalued right now?
Based on GuruFocus' analysis, Velocity Financial (VEL) is currently considered Modestly Undervalued. The stock's GF Value™ is $24.03, compared to a current price of $18.43 — trading 23.3% below its estimated fair value. The current Operating Cash Flow per Share is $0.59 and 47.5% above the Banks industry median of 0.40. Velocity Financial's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Cash Flow per Share calculated?
Operating Cash Flow per Share is calculated from a company's financial statements. For Velocity Financial (VEL), the current Operating Cash Flow per Share is $0.59 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Velocity Financial (VEL) Overvalued in 2026?
Based on GuruFocus' analysis, Velocity Financial stock appears to be undervalued.
The current stock price of $18.43 is trading 23.3% below its estimated GF Value™ of $24.03.
GuruFocus considers Velocity Financial to be Modestly Undervalued.
Key valuation signals for VEL:
Operating Cash Flow per Share: $0.59
GF Value™: $24.03 vs. price of $18.43 (23.3% below fair value)
Industry Position: 47.5% above the Banks median (#917 of 1066)
No single metric tells the full story. See the VEL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Velocity Financial Inc is a United States-based real estate finance company. Company operates in a large fragmented market with substantial demand for financing and limited supply of institutional financing alternative The company originates and manages investor loans secured by residential rental and small commercial properties. The company earns revenue in the form of interest income. It operates in New York, California, Florida, New Jersey, and other states.
67GF Score
Get the complete analysis for VEL
Operating Cash Flow per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
VEL has been successfully added to your 
