Revenue qualityWarning
OCF/매출 3기 연속 하락. 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Velocity Financial financial statements
벨로시티 파이낸셜NYSE:VEL · New York Stock Exchange · Banks · sector #7$14.91+1.15%
2026-10-08 closeVelocity Financial's published financial data is dated 2026-10-04. 2024 revenue was $417M. 2024 operating profit was $373M.
Reported results
Financial safety
Reference indicatorAs of 2024Distress zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 0.68
Distress
Grey
Safe
- Altman Z''
- 0.68
- Beneish M-Score
- -2.17
- Sloan accrual
- 0.55%
No statistical flag
부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
5/9Moderate
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score5/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROAPass
- Accruals (OCF > net income)Not passed
Leverage & liquidity
- Lower debtNot passed
- Higher current ratioNot passed
- No new sharesPass
Efficiency
- Higher gross marginNot passed
- Higher asset turnoverPass
Calculation note: F7(신주)은 equity/asset 유지로 근사
Already-stable companies may score lower when year-over-year improvement is limited.
Factual information, not investment advice.
Forensic signals
Anomaly and structural signals observed in the financial statements.
Factual information, not investment advice.
Risk sensitivity — adverse assumptions
Metric changes under stated assumptions; not a forecast or investment advice.
Base metrics
- Operating margin
- 89.6%
- Interest coverage
- 1.4x
- Return on equity (ROE)
- 13.2%
Operating margin −5pp
Interest coverage riskInterest coverageBase 1.4x adverse case 1.3x
Return on equity (ROE)Base 13.2% adverse case 15.8%
Revenue −15%
Interest coverage riskInterest coverageBase 1.4x adverse case 1.2x
Return on equity (ROE)Base 13.2% adverse case 9%
Interest rate +2pp
Interest coverage riskInterest coverageBase 1.4x adverse case 1x
Return on equity (ROE)Base 13.2% adverse case 0.4%
Interest coverage limit
Current margin 24.6ppInterest coverage limit at an operating margin of 65%
Interest expense coverage threshold
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