VEL vs CTO

Comparison between Velocity Financial Inc (VEL, Company) and CTO Realty Growth Inc - New - New (CTO, Company).

VEL is from the Financial Services sector, while CTO is from the Real Estate sector.

5-Year PerformanceCTO has outperformed VEL, delivering a return of +12.2% compared to +6.9%

VEL vs CTO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	VEL(COMPANY)	CTO(COMPANY)
Market Cap	$688M	$686M
Max Drawdown	83.13%	75.42%
Sharpe Ratio	-0.20	1.00
5Y Beta	0.34	0.38
Industry	Mortgage Finance	Reit - Diversified
P/E Ratio	17.70	46.84
Forward P/E	N/A	121.95
PEG Ratio	0.33	N/A
Dividend Yield	N/A	7.27%
5Y Dividends CAGR	N/A	-16.41%
5Y EPS CAGR	11.42%	-39.49%
Debt to Equity	0.00%	112.89%
Free Cash Flow Yield	3.85%	10.04%

Market Cap

Winner

VEL

$688M

CTO

$686M

Max Drawdown

VEL

83.13%

Winner

CTO

75.42%

Sharpe Ratio

VEL

-0.20

Winner

CTO

1.00

5Y Beta

Winner

VEL

0.34

CTO

0.38

Industry

VEL

Mortgage Finance

CTO

Reit - Diversified

P/E Ratio

Winner

VEL

17.70

CTO

46.84

Forward P/E

VEL

N/A

CTO

121.95

PEG Ratio

VEL

0.33

CTO

N/A

Dividend Yield

VEL

N/A

CTO

7.27%

5Y Dividends CAGR

VEL

N/A

CTO

-16.41%

5Y EPS CAGR

Winner

VEL

11.42%

CTO

-39.49%

Debt to Equity

Winner

VEL

0.00%

CTO

112.89%

Free Cash Flow Yield

VEL

3.85%

Winner

CTO

10.04%

VEL vs CTO - Historical Returns

Returns include dividend reinvestment.

Period	VEL	CTO
1 month	+2.27%	+2.62%
3 months	+1.74%	+11.22%
6 months	-10.96%	+15.54%
1 year	-5.34%	+23.74%
5 years(CAGR)	+6.91%	+12.22%
10 years(CAGR)	N/A	+12.92%
Max(CAGR)	+4.15%	+10.45%

VEL

+2.27%

Winner

CTO

+2.62%

VEL

+1.74%

Winner

CTO

+11.22%

VEL

-10.96%

Winner

CTO

+15.54%

VEL

-5.34%

Winner

CTO

+23.74%

5Y(CAGR)

VEL

+6.91%

Winner

CTO

+12.22%

10Y(CAGR)

VEL

N/A

CTO

+12.92%

Max(CAGR)

VEL

+4.15%

Winner

CTO

+10.45%

VEL vs CTO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	VEL	CTO
2026	-10.24%	+16.61%
2025	+8.58%	+3.49%
2024	+20.22%	+22.90%
2023	+81.26%	+2.44%
2022	-28.94%	-6.38%
2021	+123.56%	+58.69%
2020	-53.89%	+12.80%
2019	N/A	+13.93%
2018	N/A	-17.61%
2017	N/A	+20.39%
2016	N/A	+2.49%
2015	N/A	-5.56%
2014	N/A	+54.55%
2013	N/A	+12.26%
2012	N/A	+7.40%
2011	N/A	-8.85%
2010	N/A	-19.55%
2009	N/A	-7.80%
2008	N/A	-36.31%
2007	N/A	-11.76%
2006	N/A	+2.11%
2005	N/A	+68.84%
2004	N/A	+32.67%
2003	N/A	+72.38%
2002	N/A	-1.29%
2001	N/A	+67.64%
2000	N/A	-3.37%
1999	N/A	+2.00%

VEL vs CTO Drawdown Comparison

The maximum drawdown for VEL was -83.13%, occurring on Apr 3, 2020. Recovery took 941 trading sessions.

The maximum drawdown for CTO was -74.78%, occurring on Mar 9, 2009. Recovery took 3919 trading sessions.

The current VEL drawdown is -15.51%. The current CTO drawdown is -1.58%.

Rank	VEL	CTO
#1	-83.13% Feb 20, 2020 - Nov 14, 2023	-74.78% Jul 29, 2005 - Feb 24, 2021
#2	-22.09% Nov 14, 2023 - Mar 18, 2024	-40.46% Aug 29, 2001 - May 12, 2003
#3	-21.48% Dec 16, 2024 - May 9, 2025	-25.46% Aug 12, 2022 - Jul 22, 2024
#4	-13.14% Mar 21, 2024 - May 31, 2024	-21.34% Feb 13, 2025 - Feb 17, 2026
#5	-6.83% Jul 16, 2024 - Sep 5, 2024	-17.39% Apr 5, 2004 - Nov 15, 2004
#6	-5.08% Sep 19, 2024 - Nov 12, 2024	-15.02% Nov 18, 1999 - Aug 25, 2000
#7	-4.07% Jun 5, 2024 - Jul 11, 2024	-13.84% Feb 1, 2005 - Mar 4, 2005
#8	-3.51% Mar 18, 2024 - Mar 21, 2024	-12.82% Apr 1, 2022 - Jul 28, 2022
#9	-3.33% Jan 21, 2020 - Jan 29, 2020	-10.78% Sep 10, 2024 - Dec 16, 2024
#10	-3.30% Jan 30, 2020 - Feb 12, 2020	-10.71% Aug 25, 2000 - Jan 25, 2001
#11	-2.21% Nov 12, 2024 - Nov 25, 2024	-10.66% Mar 17, 2021 - Jun 8, 2021
#12	-0.97% Dec 4, 2024 - Dec 11, 2024	-10.34% May 23, 2005 - Jun 28, 2005
#13	-0.97% Dec 11, 2024 - Dec 16, 2024	-10.28% Jan 13, 2022 - Mar 2, 2022
#14	-0.69% Feb 13, 2020 - Feb 20, 2020	-9.92% Sep 19, 2003 - Oct 7, 2003
#15	-0.54% May 31, 2024 - Jun 4, 2024	-9.20% Jul 9, 2003 - Aug 21, 2003