Velocity FinancialVEL +0.11%68 PS Ratio is 2.10 as of Jun. 26, 2026, which is 39% below its 10-year median of 3.44. GuruFocus rates VEL with a GF Score™ of 68/100 and a GF Value™ of $25.97 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,515 Banks companies, Velocity Financial ranks better than 72.41% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Velocity Financial's share price is $17.75.
Velocity Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $8.45. Hence, Velocity Financial's PS Ratio for today is 2.10.
Good Sign:
Velocity Financial Inc stock PS Ratio (=2.1) is close to 5-year low of 2.01.
The historical rank and industry rank for Velocity Financial's PS Ratio or its related term are showing as below:
VEL'
s PS Ratio Range Over the Past 10 Years
Min: 0.75 Med: 3.44 Max: 6.19
Current: 2.1
During the past 10 years, Velocity Financial's highest PS Ratio was 6.19. The lowest was 0.75. And the median was 3.44.
VEL's PS Ratio is ranked better than 72.41% of 1515
companies
in the Banks industry
Industry Median: 2.98
vs VEL: 2.10
During the past 12 months, the average Revenue per Share Growth Rate of Velocity Financial was 36.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 45.10% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 25.80% per year.
During the past 10 years, Velocity Financial's highest 3-Year average Revenue per Share Growth Rate was 45.10% per year. The lowest was -17.00% per year. And the median was 10.80% per year.
Back to Basics: PS Ratio
Velocity Financial (NYSE:VEL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Velocity Financial PS Ratio Related Terms
Velocity Financial PS Ratio Historical Data
* Premium members only.
The historical data trend for Velocity Financial's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Velocity Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where Velocity Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Velocity Financial's Share Price of today is $17.75. Velocity Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.45.
* 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:
Velocity Financial (VEL) has a PS Ratio of 2.10 as of Jun. 26, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Velocity Financial and its competitors. This is 39% below median its historical median of 3.44. Over the past decade, Velocity Financial's PS Ratio has ranged from 0.75 to 6.19. According to the industry distribution chart, Velocity Financial ranks #418 out of 1515 companies in the Banks industry, placing it in the top 27.6%.
Is Velocity Financial's PS Ratio too high?
Velocity Financial's current PS Ratio of 2.10 is 39% below median its 10-year median of 3.44. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 6.19. The Banks industry median PS Ratio is 2.98. Velocity Financial's value of 2.10 is 29.5% below this industry median. Based on the distribution chart, Velocity Financial ranks #418 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 PS Ratio compare to LDI and BETR?
According to the Banks industry distribution chart, Velocity Financial ranks #418 out of 1515 companies for PS Ratio. This puts Velocity Financial in the upper half of its industry. The industry median PS Ratio is 2.98. Velocity Financial's value of 2.10 is 29.5% below this benchmark. Historically, Velocity Financial's own PS Ratio has ranged from 0.75 to 6.19 over the past decade. While the company's 10-year median is 3.44 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Velocity Financial's current PS Ratio of 2.10 is 29.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Velocity Financial and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Velocity Financial's current PS Ratio is 2.10, which is 39% below median its own 10-year median of 3.44. 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 $25.97, compared to a current price of $17.75 — trading 31.7% below its estimated fair value. The current PS Ratio is 2.10, which is 39% below median its 10-year median of 3.44 and 29.5% below the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Velocity Financial (VEL), the current PS Ratio is 2.10 as of Jun. 26, 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 31.7% below its estimated GF Value™ of $25.97.
GuruFocus considers Velocity Financial to be Significantly Undervalued.
Key valuation signals for VEL:
PS Ratio: 2.10 (39% below median its 10-year median of 3.44)
GF Value™: $25.97 vs. price of $17.75 (31.7% below fair value)
Industry Position: 29.5% below the Banks median (#418 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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