Velocity Financial [VEL] vs Mr. Cooper [COOP] Detailed Stock Comparison

Velocity Financial Inc.

NYSE

Mr. Cooper Group Inc.

NASDAQ

TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Velocity Financial Inc. wins in 8 metrics, Mr. Cooper Group Inc. wins in 9 metrics, with 0 ties. Mr. Cooper Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Velocity Financial Inc.	Mr. Cooper Group Inc.	Better
P/E Ratio (TTM)	7.78	23.63	Velocity Financial Inc.
Price-to-Book Ratio	1.14	2.65	Velocity Financial Inc.
Debt-to-Equity Ratio	964.87	238.73	Mr. Cooper Group Inc.
PEG Ratio	0.15	-10.67	Velocity Financial Inc.
EV/EBITDA	N/A	12.92	N/A
Profit Margin (TTM)	38.56%	25.38%	Velocity Financial Inc.
Operating Margin (TTM)	41.24%	48.19%	Mr. Cooper Group Inc.
EBITDA Margin (TTM)	41.24%	48.19%	Mr. Cooper Group Inc.
Return on Equity	16.18%	11.76%	Velocity Financial Inc.
Return on Assets (TTM)	1.50%	3.02%	Mr. Cooper Group Inc.
Free Cash Flow (TTM)	$32.71M	$-2.67B	Velocity Financial Inc.
Dividend Yield	N/A	0.93%	N/A
1-Year Return	-8.64%	130.67%	Mr. Cooper Group Inc.
Price-to-Sales Ratio (TTM)	3.09	6.01	Velocity Financial Inc.
Enterprise Value	$6.76B	$24.84B	Mr. Cooper Group Inc.
EV/Revenue Ratio	28.68	11.06	Mr. Cooper Group Inc.
Gross Profit Margin (TTM)	N/A	50.55%	N/A
Revenue per Share (TTM)	$7	$35	Mr. Cooper Group Inc.
Earnings per Share (Diluted)	$2.43	$8.92	Mr. Cooper Group Inc.
Beta (Stock Volatility)	N/A	1.08	N/A
Short % of Float	4.58%	6.49%	Velocity Financial Inc.

Velocity Financial Inc. vs Mr. Cooper Group Inc. Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Velocity Financial Inc.	-0.23%	1.92%	3.24%	1.68%	-10.79%	-10.34%
Mr. Cooper Group Inc.	0.00%	1.58%	15.63%	37.31%	63.29%	63.29%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Velocity Financial Inc.	-8.64%	50.73%	39.81%	29.98%	29.98%	29.98%
Mr. Cooper Group Inc.	130.67%	395.39%	771.03%	580.85%	1,851.76%	1,851.76%

Performance & Financial Health Analysis: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Metric	VEL	COOP
Market Information
Market Cap i	$726.87M	$13.49B
Market Cap Category	Small cap	Large cap
10 Day Avg. Volume i	57,750	971,749
90 Day Avg. Volume i	68,230	837,096
Last Close	$17.52	$210.79
52 Week Range	$16.19 - $21.40	$84.68 - $234.73
% from 52W High	-18.11%	-10.20%
All-Time High	$21.40 (Jan 02, 2026)	$234.73 (Sep 11, 2025)
% from All-Time High	-18.13%	-10.20%
Growth Metrics
Quarterly Revenue Growth	0.87%	0.04%
Quarterly Earnings Growth	0.61%	-0.03%
Financial Health
Profit Margin (TTM) i	0.39%	0.25%
Operating Margin (TTM) i	0.41%	0.48%
Return on Equity (TTM) i	0.16%	0.12%
Debt to Equity (MRQ) i	964.87	238.73
Cash & Liquidity
Book Value per Share (MRQ)	$16.66	$79.69
Cash per Share (MRQ)	$3.09	$12.88
Operating Cash Flow (TTM) i	$51.70M	$-63,000,000
Levered Free Cash Flow (TTM) i	$67.59M	$-2,000,499,968
Dividends
Last 12-Month Dividend Yield i	N/A	0.93%
Last 12-Month Dividend i	N/A	$2.00

Valuation & Enterprise Metrics Analysis: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Metric	VEL (Nov 10, 2025)	COOP (Oct 21, 2025)
Price Ratios
P/E Ratio (TTM) i	7.78	23.63
Forward P/E i	8.88	15.65
PEG Ratio i	0.15	-10.67
Price to Sales (TTM) i	3.09	6.01
Price to Book (MRQ) i	1.14	2.65
Market Capitalization
Market Capitalization i	$726.87M	$13.49B
Enterprise Value i	$6.76B	$24.84B
Enterprise Value Metrics
Enterprise to Revenue i	28.68	11.06
Enterprise to EBITDA i	N/A	12.92
Risk & Other Metrics
Beta i	N/A	1.08
Book Value per Share (MRQ) i	$16.66	$79.69

Financial Statements Comparison: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

Metric	VEL (2024)	COOP (2024)
Revenue/Sales i	211.74M	3.02B
Cost of Goods Sold i	N/A	1.47B
COGS % of Revenue i	0.0%	48.8%
Gross Profit i	N/A	1.54B
Gross Margin i	0.0%	51.2%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	920.00M
Operating Margin i	0.0%	30.5%
EBITDA i	N/A	964.00M
EBITDA Margin i	0.0%	32.0%
Pre-Tax Income i	96.39M	901.00M
Pre-Tax Income % of Revenue i	45.5%	29.9%
Income Tax i	27.93M	232.00M
Income Tax % of Revenue i	13.2%	7.7%
Net Income (Profit) i	68.47M	669.00M
Profit Margin i	32.3%	22.2%

Balance Sheet & Liquidity Metrics

Metric	VEL (2024)	COOP (2024)
Cash & Equivalents i	50.11M	753.00M
Total Current Assets i	N/A	4.53B
Total Current Assets % of Revenue i	0.0%	150.2%
Total Current Liabilities i	N/A	8.82B
Total Current Liabilities % of Revenue i	0.0%	292.4%
Long-Term Debt i	4.51B	4.89B
Long-Term Debt % of Revenue i	2,130.6%	162.2%
Total Shareholders Equity i	520.22M	4.81B
Retained Earnings i	197.33M	4.97B
Retained Earnings % of Revenue i	93.2%	164.9%
Property, Plant & Equipment i	2.50M	0

Cash Flow Statement Comparison

Metric	VEL (2024)	COOP (2024)
Operating Cash Flow i	51.70M	47.00M
Operating Cash Flow % of Revenue i	24.4%	1.6%
Capital Expenditures i	351,000	-38.00M
Free Cash Flow i	32.71M	-2.67B
FCF Margin i	15.4%	-88.5%
Debt Repayment i	-2.60B	-66.00M
Common Stock Repurchase i	N/A	-147.00M

Short Interest & Institutional Ownership Analysis

Metric	VEL	COOP
Shares Short i	354,389	2.92M
Short Ratio i	3.59	3.88
Short % of Float i	4.58%	6.49%
Shares Outstanding i	38.29M	64.00M
Float Shares i	5.57M	63.03M
% Held by Insiders i	2.66%	1.94%
% Held by Institutions i	97.67%	96.11%
% Held by Public i	-0.33%	1.95%

Dividend Analysis & Yield Comparison: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Metric	VEL	COOP
Last 12-Month Dividend i	N/A	$2.00
Last 12-Month Dividend Yield i	N/A	0.93%
3-Year Avg Annual Dividend i	N/A	$0.67
3-Year Avg Dividend Yield i	N/A	0.93%
3-Year Total Dividends i	N/A	$2.00
Ex-Dividend Date	N/A	Sep 29, 2025

Metric	VEL (Jun 30, 2025)	COOP (Jun 30, 2025)
Operating Cash Flow i	20.33M	526.00M
Operating Cash Flow % of Revenue i	26.0%	63.8%
Capital Expenditures i	-78,000	-13.00M
Free Cash Flow i	7.58M	65.00M
FCF Margin i	9.7%	7.9%
Debt Repayment i	-1.13B	-15.00M
Common Stock Repurchase i	N/A	0

Velocity Financial [VEL] vs Mr. Cooper [COOP] Detailed Stock Comparison

Velocity Financial Inc.

Mr. Cooper Group Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete Velocity Financial Inc. Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

Velocity Financial Inc. vs Mr. Cooper Group Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Valuation & Enterprise Metrics Analysis: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Financial Statements Comparison: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Financial Metrics

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

VEL (Annual)

VEL (Quarterly)

COOP (Annual)

COOP (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Metric	VEL (Jun 30, 2025)	COOP (Jun 30, 2025)
Revenue/Sales i	78.04M	825.00M
Cost of Goods Sold i	N/A	408.00M
COGS % of Revenue i	0.0%	49.5%
Gross Profit i	N/A	417.00M
Gross Margin i	0.0%	50.5%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	278.00M
Operating Margin i	0.0%	33.7%
EBITDA i	N/A	289.00M
EBITDA Margin i	0.0%	35.0%
Pre-Tax Income i	33.92M	277.00M
Pre-Tax Income % of Revenue i	43.5%	33.6%
Income Tax i	7.75M	79.00M
Income Tax % of Revenue i	9.9%	9.6%
Net Income (Profit) i	26.17M	198.00M
Profit Margin i	33.5%	24.0%

Metric	VEL (Jun 30, 2025)	COOP (Jun 30, 2025)
Cash & Equivalents i	79.56M	784.00M
Total Current Assets i	N/A	4.61B
Total Current Assets % of Revenue i	0.0%	559.3%
Total Current Liabilities i	N/A	8.26B
Total Current Liabilities % of Revenue i	0.0%	1,001.5%
Long-Term Debt i	5.38B	4.90B
Long-Term Debt % of Revenue i	6,892.1%	593.5%
Total Shareholders Equity i	601.05M	4.89B
Retained Earnings i	242.21M	5.06B
Retained Earnings % of Revenue i	310.4%	613.2%
Property, Plant & Equipment i	N/A	205.00M

Velocity Financial [VEL] vs Mr. Cooper [COOP] Detailed Stock Comparison

Velocity Financial Inc.

Mr. Cooper Group Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete Velocity Financial Inc. Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

Velocity Financial Inc. vs Mr. Cooper Group Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Valuation & Enterprise Metrics Analysis: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Financial Statements Comparison: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Financial Metrics Quarterly Annual

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

VEL (Annual)

VEL (Quarterly)

COOP (Annual)

COOP (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: Velocity Financial Inc. vs Mr. Cooper Group Inc.

Financial Metrics