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Velocity FinancialVEL -0.38%68 Cash-to-Debt is 0.01 as of Jun. 2026, which is at its 10-year median of 0.01. GuruFocus rates VEL with a GF Score™ of 68/100 and a GF Value™ of $27.17 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,489 Banks companies, Velocity Financial ranks worse than 99.13% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Velocity Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.01.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Velocity Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Velocity Financial's Cash-to-Debt or its related term are showing as below:
VEL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: 0.01 Max: 0.02
Current: 0.01
During the past 10 years, Velocity Financial's highest Cash to Debt Ratio was 0.02. The lowest was 0.00. And the median was 0.01.
VEL's Cash-to-Debt is ranked worse than 99.13% of 1489
companies
in the Banks industry
Industry Median: 1.37
vs VEL: 0.01
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Velocity Financial Cash-to-Debt Related Terms
Velocity Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Velocity Financial's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Mortgage Finance subindustry, Velocity Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Velocity Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Velocity Financial's Cash-to-Debt falls into.
* 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 (VEL) has a Cash-to-Debt of 0.01 as of Jun. 2026. This is near median its historical median of 0.01. According to the industry distribution chart, Velocity Financial ranks #1476 out of 1489 companies in the Banks industry, placing it in the top 99.1%.
Is Velocity Financial's Cash-to-Debt too high?
Velocity Financial's current Cash-to-Debt of 0.01 is near median its 10-year median of 0.01. The Banks industry median Cash-to-Debt is 1.37. Velocity Financial's value of 0.01 is 99.3% below this industry median. Based on the distribution chart, Velocity Financial ranks #1476 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Velocity Financial has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Velocity Financial's Cash-to-Debt compare to UWMC and LDI?
According to the Banks industry distribution chart, Velocity Financial ranks #1476 out of 1489 companies for Cash-to-Debt. This places Velocity Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Velocity Financial's value of 0.01 is 99.3% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 1.37, Velocity Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Velocity Financial's current Cash-to-Debt of 0.01 is 99.3% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Velocity Financial's current Cash-to-Debt is 0.01, which is near median its own 10-year median of 0.01. 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 Significantly Undervalued. The stock's GF Value™ is $27.17, compared to a current price of $18.24 — trading 32.9% below its estimated fair value. The current Cash-to-Debt is 0.01, which is near median its 10-year median of 0.01 and 99.3% below the Banks industry median of 1.37. Velocity Financial's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Velocity Financial (VEL), the current Cash-to-Debt is 0.01 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 $18.24 is trading 32.9% below its estimated GF Value™ of $27.17.
GuruFocus considers Velocity Financial to be Significantly Undervalued.
Key valuation signals for VEL:
Cash-to-Debt: 0.01 (near median its 10-year median of 0.01)
GF Value™: $27.17 vs. price of $18.24 (32.9% below fair value)
Industry Position: 99.3% below the Banks median (#1476 of 1489)
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.
68GF Score
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