Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/fe7e11ee-69bc-458d-a317-79d080757d7f/
VEL
Velocity Financial LlcSnapshot 2026-07-19 · 0.6w · Fresh
Strategy Eligibility
5 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
P/S 1.0
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 67%
🛡
Low Volatility
Vol 25%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.78
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
67.0%ile
P/E
6.3×
P/S
1.0×
P/B
1.0×
E/P
0.0491
FCF Yield
0.004
EBITDA/EV
0.049
SH Yield
-0.004
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
28.00000000
/100 — 1=cheapest
VC2 (Trending Value)
66.00000000
/100
VC3 (Buyback)
66.00000000
/100
P/E of 6.3x places this firmly in deep value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
18.0%ile
ROE
0.157
ROA
0.014
Net Margin
0.158
Op Margin
0.523
GPA
0.062
D/E
9.94
Current
0.60
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.441
Earn Growth
0.560
Stability
0.292
lower=better
Accruals
0.011
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 9.94 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
25.0%ile
6M Return
-10.0%
12M Return
0.2%
12-1 Mom
0.5%
Risk-Adj
0.02
Vol 252d
25.0%
Vol 60d
52.2%
↑ Expanding
Max DD 12M
-17.2%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (52%) is expanding vs long-term (25%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.41
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
22.2%
Sector Quality %ile
2.6%
P/E z-score
-0.38
P/B z-score
-0.06
Sector Avg OS
85.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Cheap for a Reason?
Looks cheap (67th value) but weak quality (18th). Classic value trap risk.
Growth at Reasonable Price
Revenue growing 44% with P/E of 6×. Growth isn't fully priced in.
Leveraged Returns
Strong ROE (16%) boosted by high leverage (D/E 9.9). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (52%) significantly exceeds 252-day (25%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
52.5% avg (7 factors)
Quality
D
36.6% avg (8 factors)
Momentum
F
29.5% avg (4 factors)
Risk
A
75.1% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.410 | —0 | — | |
| Value %ile | 0.670 | —0 | — | |
| Quality %ile | 0.180 | —7 | — | |
| Momentum %ile | 0.250 | —6 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.940 | —2 | — | |
| Volatility | 0.250 | —0 | — |
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
6.33
Earnings Yield (E/P)
0.0491
Price / Sales
1.00
Price / Book
0.99
Price / Cash Flow
25.76
FCF Yield
0.4%
EBITDA / EV
4.9%
Sales Yield (1/P·S)
0.0940
Shareholder Yield
Div + net buyback / mktcap
-0.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
15.7%
Return on Assets
1.4%
Net Margin
15.8%
Operating Margin
52.3%
Gross Profit / Assets
Novy-Marx GPA
6.2%
Debt / Equity
9.94
Current Ratio
0.60
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.011
External Financing
Net issuance — lower=better
0.003
MomentumPrice trend strength over different horizons
6M Return
-10.0%
12M Return
0.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
0.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.02
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
44.1%
Earnings Growth (YoY)
56.0%
Earnings Stability (CV)
Lower = more stable
0.292
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Buyback Yield
-0.4%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
28
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
66
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
66
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity