Velocity FinancialVEL +0.11%68 PB Ratio is 1.00 as of Jun. 25, 2026, which is 7% below its 10-year median of 1.08. GuruFocus rates VEL with a GF Score™ of 68/100 and a GF Value™ of $25.93 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,515 Banks companies, Velocity Financial ranks better than 57.56% on this metric.
Velocity Financial Inc stock PB Ratio (=1) is close to 2-year low of 0.96.
The historical rank and industry rank for Velocity Financial's PB Ratio or its related term are showing as below:
VEL'
s PB Ratio Range Over the Past 10 Years
Min: 0.2 Med: 1.08 Max: 1.79
Current: 1
During the past 10 years, Velocity Financial's highest PB Ratio was 1.79. The lowest was 0.20. And the median was 1.08.
VEL's PB Ratio is ranked better than 57.56% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs VEL: 1.00
During the past 12 months, Velocity Financial's average Book Value Per Share Growth Rate was 11.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.40% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Velocity Financial was 16.60% per year. The lowest was 6.50% per year. And the median was 13.50% per year.
Back to Basics: PB Ratio
Velocity Financial (NYSE:VEL) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Velocity Financial PB Ratio Related Terms
Velocity Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Velocity Financial's PB Ratio 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.
For the Mortgage Finance subindustry, Velocity Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Velocity Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Velocity Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Velocity Financial (VEL) has a PB Ratio of 1.00 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Velocity Financial and its competitors. This is near median its historical median of 1.08. Over the past decade, Velocity Financial's PB Ratio has ranged from 0.20 to 1.79. According to the industry distribution chart, Velocity Financial ranks #643 out of 1515 companies in the Banks industry, placing it in the top 42.4%.
Is Velocity Financial's PB Ratio too high?
Velocity Financial's current PB Ratio of 1.00 is near median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 1.79. The Banks industry median PB Ratio is 1.08. Velocity Financial's value of 1.00 is 7.4% below this industry median. Based on the distribution chart, Velocity Financial ranks #643 out of 1515 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to LDI and BETR?
According to the Banks industry distribution chart, Velocity Financial ranks #643 out of 1515 companies for PB Ratio. This puts Velocity Financial in the upper half of its industry. The industry median PB Ratio is 1.08. Velocity Financial's value of 1.00 is 7.4% below this benchmark. Historically, Velocity Financial's own PB Ratio has ranged from 0.20 to 1.79 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Velocity Financial's current PB Ratio of 1.00 is 7.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Velocity Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Velocity Financial's current PB Ratio is 1.00, which is near median its own 10-year median of 1.08. 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 $25.93, compared to a current price of $17.75 — trading 31.5% below its estimated fair value. The current PB Ratio is 1.00, which is near median its 10-year median of 1.08 and 7.4% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Velocity Financial (VEL), the current PB Ratio is 1.00 as of Jun. 25, 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 $17.75 is trading 31.5% below its estimated GF Value™ of $25.93.
GuruFocus considers Velocity Financial to be Significantly Undervalued.
Key valuation signals for VEL:
PB Ratio: 1.00 (near median its 10-year median of 1.08)
GF Value™: $25.93 vs. price of $17.75 (31.5% below fair value)
Industry Position: 7.4% below the Banks median (#643 of 1515)
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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