Velocity Financial [VEL] vs Onity [ONIT] Detailed Stock Comparison
Velocity Financial
NYSE
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Onity
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Velocity Financial wins in 8 metrics, Onity wins in 9 metrics, with 0 ties. Onity appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Velocity Financial | Onity | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.96 | 12.85 | Velocity Financial |
| Price-to-Book Ratio | 1.21 | 0.65 | Onity |
| Debt-to-Equity Ratio | 927.53 | 2,942.76 | Velocity Financial |
| PEG Ratio | 9.02 | 5.33 | Onity |
| EV/EBITDA | N/A | 27.99 | N/A |
| Profit Margin (TTM) | 39.36% | 2.63% | Velocity Financial |
| Operating Margin (TTM) | 77.26% | 52.04% | Velocity Financial |
| EBITDA Margin (TTM) | 77.26% | 52.04% | Velocity Financial |
| Return on Equity | 13.65% | 5.50% | Velocity Financial |
| Return on Assets (TTM) | 1.32% | 2.28% | Onity |
| Free Cash Flow (TTM) | $32.71M | $-807.00M | Velocity Financial |
| 1-Year Return | -9.98% | 51.10% | Onity |
| Price-to-Sales Ratio (TTM) | 3.94 | 0.30 | Onity |
| Enterprise Value | $5.90B | $15.18B | Onity |
| EV/Revenue Ratio | 33.17 | 15.38 | Onity |
| Gross Profit Margin (TTM) | N/A | 50.22% | N/A |
| Revenue per Share (TTM) | $5 | $126 | Onity |
| Earnings per Share (Diluted) | $1.93 | $2.92 | Onity |
| Beta (Stock Volatility) | 1.21 | 1.42 | Velocity Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Velocity Financial vs Onity Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Velocity Financial | 7.69% | -1.63% | -11.11% | -2.33% | -12.30% | -14.59% |
| Onity | -0.67% | 2.57% | 2.52% | 4.37% | -0.44% | 28.58% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Velocity Financial | -9.98% | 34.15% | 302.44% | 22.13% | 22.13% | 22.13% |
| Onity | 51.10% | 59.17% | 59.17% | 59.17% | 59.17% | 59.17% |
Performance & Financial Health Analysis: Velocity Financial vs Onity
| Metric | VEL | ONIT |
|---|---|---|
| Market Information | ||
| Market Cap | $701.37M | $300.56M |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 270,250 | 50,600 |
| 90 Day Avg. Volume | 188,197 | 44,503 |
| Last Close | $17.58 | $38.43 |
| 52 Week Range | $16.12 - $20.98 | $24.55 - $41.93 |
| % from 52W High | -16.18% | -8.35% |
| All-Time High | $20.98 (Mar 03, 2025) | $41.93 (Aug 06, 2025) |
| % from All-Time High | -16.21% | -8.35% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.01% | 0.05% |
| Quarterly Earnings Growth | 0.10% | -0.27% |
| Financial Health | ||
| Profit Margin (TTM) | 0.39% | 0.03% |
| Operating Margin (TTM) | 0.77% | 0.52% |
| Return on Equity (TTM) | 0.14% | 0.06% |
| Debt to Equity (MRQ) | 927.53 | 2,942.76 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $15.92 | $57.66 |
| Cash per Share (MRQ) | $1.42 | $22.76 |
| Operating Cash Flow (TTM) | $30.71M | $-424,800,000 |
| Levered Free Cash Flow (TTM) | $67.59M | $-222,100,000 |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Velocity Financial vs Onity
| Metric | VEL | ONIT |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.96 | 12.85 |
| Forward P/E | 9.02 | 5.33 |
| PEG Ratio | 9.02 | 5.33 |
| Price to Sales (TTM) | 3.94 | 0.30 |
| Price to Book (MRQ) | 1.21 | 0.65 |
| Market Capitalization | ||
| Market Capitalization | $701.37M | $300.56M |
| Enterprise Value | $5.90B | $15.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 33.17 | 15.38 |
| Enterprise to EBITDA | N/A | 27.99 |
| Risk & Other Metrics | ||
| Beta | 1.21 | 1.42 |
| Book Value per Share (MRQ) | $15.92 | $57.66 |
Financial Statements Comparison: Velocity Financial vs Onity
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | VEL | ONIT |
|---|---|---|
| Revenue/Sales | $63.62M | $276.00M |
| Cost of Goods Sold | N/A | $137.40M |
| Gross Profit | N/A | $138.60M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $50.30M |
| EBITDA | N/A | $51.80M |
| Pre-Tax Income | $32.04M | $9.10M |
| Income Tax | $11.23M | $-13.00M |
| Net Income (Profit) | $20.81M | $22.10M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | VEL | ONIT |
|---|---|---|
| Cash & Equivalents | $50.11M | $178.00M |
| Total Current Assets | N/A | $13.22B |
| Total Current Liabilities | N/A | $215.60M |
| Long-Term Debt | $4.51B | $14.58B |
| Total Shareholders Equity | $520.22M | $510.10M |
| Retained Earnings | $197.33M | $-95.50M |
| Property, Plant & Equipment | $2.50M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | VEL | ONIT |
|---|---|---|
| Operating Cash Flow | $35.20M | $-207.50M |
| Capital Expenditures | $-99,000 | $-300,000 |
| Free Cash Flow | $33.18M | $-246.50M |
| Debt Repayment | $-847.26M | $-1.16B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | VEL | ONIT |
|---|---|---|
| Shares Short | 288,767 | 95,393 |
| Short Ratio | 2.07 | 2.24 |
| Short % of Float | 0.05% | 0.01% |
| Average Daily Volume (10 Day) | 270,250 | 50,600 |
| Average Daily Volume (90 Day) | 188,197 | 44,503 |
| Shares Outstanding | 33.55M | 7.87M |
| Float Shares | 3.84M | 6.05M |
| % Held by Insiders | 0.03% | 0.18% |
| % Held by Institutions | 0.96% | 0.55% |
Dividend Analysis & Yield Comparison: Velocity Financial vs Onity
| Metric | VEL | ONIT |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |