Profitability
Weight: 25%
B
75
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.8%
- Operating Margin Trend +10.13 pp/yr
VEL
Velocity Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C-
48
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.8%
- 5yr Share-Count CAGR 3.0%
Growth Quality
Weight: 10%
A+
100
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 16.9%
- 5yr EPS CAGR 33.7%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
92
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.08x
Balance Sheet
Weight: 30%
C
57
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 9.1%
- Interest Coverage (EBIT/Int) 1.40x
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.60
- Piotroski F-Score 6
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 added.
- Holders
- 1
- Avg Δ position
- +488.5%
- New buys
- 0
- Full exits
- 0
- Cooperman increased +489%