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Velocity FinancialVEL +2.72%67 Equity-to-Asset is 0.09 as of Mar. 2026, which is 10% below its 10-year median of 0.10. GuruFocus rates VEL with a GF Score™ of 67/100 and a GF Value™ of $25.28 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Velocity Financial ranks worse than 55.11% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Velocity Financial's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $693.3 Mil. Velocity Financial's Total Assets for the quarter that ended in Mar. 2026 was $7,591.4 Mil.
Therefore, Velocity Financial's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.09.
The historical rank and industry rank for Velocity Financial's Equity-to-Asset or its related term are showing as below:
VEL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.1 Max: 0.12
Current: 0.09
During the past 10 years, the highest Equity to Asset Ratio of Velocity Financial was 0.12. The lowest was 0.07. And the median was 0.10.
VEL's Equity-to-Asset is ranked worse than 55.11% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs VEL: 0.09
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Velocity Financial Equity-to-Asset Related Terms
Velocity Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Velocity Financial's Equity-to-Asset 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.
VEL vs UWMC, LDI, BETR: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, Velocity Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Velocity Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Velocity Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Velocity Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.09 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Velocity Financial and its competitors. This is 10% below median its historical median of 0.10. Over the past decade, Velocity Financial's Equity-to-Asset has ranged from 0.07 to 0.12. According to the industry distribution chart, Velocity Financial ranks #841 out of 1526 companies in the Banks industry, placing it in the top 55.1%.
Is Velocity Financial's Equity-to-Asset too high?
Velocity Financial's current Equity-to-Asset of 0.09 is 10% below median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Velocity Financial's value of 0.09 is 10% below this industry median. Based on the distribution chart, Velocity Financial ranks #841 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Velocity Financial has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Velocity Financial's Equity-to-Asset compare to UWMC and LDI?
According to the Banks industry distribution chart, Velocity Financial ranks #841 out of 1526 companies for Equity-to-Asset. This places Velocity Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Velocity Financial's value of 0.09 is 10% below this benchmark. Historically, Velocity Financial's own Equity-to-Asset has ranged from 0.07 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Velocity Financial's current Equity-to-Asset of 0.09 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Velocity Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Velocity Financial's current Equity-to-Asset is 0.09, which is 10% below median its own 10-year median of 0.10. 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 $25.28, compared to a current price of $17.72 — trading 29.9% below its estimated fair value. The current Equity-to-Asset is 0.09, which is 10% below median its 10-year median of 0.10 and 10% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Velocity Financial (VEL), the current Equity-to-Asset is 0.09 as of Mar. 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 $17.72 is trading 29.9% below its estimated GF Value™ of $25.28.
GuruFocus considers Velocity Financial to be Significantly Undervalued.
Key valuation signals for VEL:
Equity-to-Asset: 0.09 (10% below median its 10-year median of 0.10)
GF Value™: $25.28 vs. price of $17.72 (29.9% below fair value)
Industry Position: 10% below the Banks median (#841 of 1526)
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
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