Velocity Financial, Inc. VEL

15.35 (0.05) (0.32%) as of 25 Sep
Market cap
$608.0M
P/E
5.6×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 1.28
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 1 4 2 2 2 2 1 1 4 5 2
Insider Ownership 36.82%

Capital & Financial Ratios

Market Cap 608.01
Revenue 313.78
Net Income 108.20
Free Cash Flow 90.21
Net Debt (818.42)
Current Ratio 42.53
Debt/Equity 9.29
P/E ratio 5.56
P/S ratio 1.89
P/B ratio 0.82
Past 5Y EPS Growth 17.03%
This Y EPS Growth (3.52%)
Next Y EPS Growth 7.98%
Next 5Y EPS Growth 5.32%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 4,214 5,258 7,007 7,559
Receivables 94 125 153 158
Inventory — — — —
Other 71 103 168 195
4,379 5,486 7,328 7,912
2023 2024 2025 Q'26
Payables 122 148 168 186
ST’ Debt — — — —
Other — — — —
122 148 168 186
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 20.68% 17.48%
Cash Flow — (19.85%) (28.01%)
Earnings — 0.00% 48.42%
Book Value — 25.21% 21.10%

Revenue

Mar Jun Sep Dec Year
’26 46 38 42 18 —
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 12 4 — — —
’25 4 8 11 (4) 18
’24 11 11 (18) 33 38
’23 (12) 44 (10) 26 49
’22 12 1 (4) 40 49
’21 10 10 19 18 58
’20 1 22 14 18 55
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 30 21 — — —
’25 11 22 23 15 72
’24 17 18 (15) 46 66
’23 (10) 52 0 29 70
’22 16 6 5 44 71
’21 13 12 22 20 67
’20 2 24 16 19 61
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.57 0.64 — — —
’25 0.51 0.69 0.65 0.89 2.75
’24 0.49 0.42 0.44 0.57 1.91
’23 0.31 0.36 0.35 0.50 1.52
’22 0.09 0.31 0.29 0.25 0.94
’21 0.10 0.28 0.23 0.24 0.86
’20 0.13 (2.33) 0.11 0.54 (1.55)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — 2.24 6.12 8.15 7.81 13.78 16.12

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — 14.90 14.00 13.82 18.05 20.85 21.04
High Price
— — 259 262 175 215 194 253 309 371
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
79 — — — — — — — — —
Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% — — —
Gross Margin
7 14 19 25 23 40 45 71 96 146
EBT
8.61% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBT Margin
7 14 8 17 18 29 33 52 68 105
Net Income
— 8 9 13 19 23 30 21 14 12
Depreciation
3.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Revenue/Sh
0.34 0.70 0.38 0.91 (1.55) 0.90 0.99 1.60 2.07 2.81
Earnings/Sh
1.48 1.87 (3.61) (5.24) 2.73 2.53 1.53 1.52 1.16 0.49
Cash Flow/Sh
0.00 (0.03) 0.22 0.17 0.29 0.41 0.69 0.67 0.88 1.47
Capex/Sh
1.48 1.85 (3.39) (5.07) 3.03 2.93 2.22 2.19 2.03 1.96
Free CF/Sh
7.37 0.00 8.13 7.61 10.93 15.10 11.92 13.57 15.93 18.34
Book Value/Sh
20 20 20 20 20 23 32 32 33 37
Shares
0.03 0.05 51.96 51.96 0.00 15.05 9.50 — — —
PE Ratio
0.00 0.00 0.00 0.00 0.72 1.65 1.19 — — —
PS Ratio
1.04 1.04 1.04 1.04 0.57 0.91 0.80 — — —
PB Ratio
0.00 0.00 0.00 0.00 (0.65) 0.60 (0.11) — — —
EV/Sales
0.00 0.00 (2.63) (2.63) (1.86) 1.70 (0.41) — — —
EV/FCF
30 38 (72) (105) 55 58 49 49 38 18
Op' Cash Flow
(3) (1) 4 3 6 9 22 22 29 54
Capex
30 37 (68) (102) 61 67 71 70 66 72
FCF
— — 1,698 2,133 2,022 2,679 3,620 4,257 5,338 7,160
Working Cap'
972 1,194 1,329 1,584 1,654 2,075 2,946 3,507 4,511 6,229
Total Debt
920 1,178 (258) (310) (316) (502) (664) (706) (747) (778)
Net Debt
148 0 163 153 220 344 381 437 520 676
Sh' Equity
0.54% 2.47% 0.88% 0.88% (1.44%) 0.84% 0.97% 1.26% 1.36% 1.61%
ROA
0.00% (1.20%) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC
5.31% 10.93% 5.70% 11.94% (16.74%) 7.32% 8.75% 12.61% 14.12% 17.34%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2016 · latest quarter Sep 2023

Velocity Financial, Inc. (VEL) key facts

  • Velocity Financial, Inc. (VEL) is a Mortgage Finance company in the Financial sector, listed on the New York Stock Exchange.
  • As of September 25, 2026, VEL traded at $15.35, a market capitalization of $608.0 million.
  • Return on equity was 17.3% and debt-to-equity 9.29.

Source: company filings (standardised) and stockrow calculations.

Velocity Financial, Inc. (VEL) Latest News

News by impact score

Fine-tune

1 Sep

4

Velocity Financial, Inc. (VEL) expands its lending operations via a $3.2B deal with Toorak. $3.2B Toorak deal constitutes major strategic expansion that scales lending capacity and shifts competitive position.

27 Aug

4

Velocity Financial enters agreements to acquire Toorak’s operating platform and manage Toorak’s $3 billion business-purpose loan portfolio. Acquisition of operating platform plus oversight of $3B portfolio marks major strategic expansion for Velocity.

12 Aug

3 transcript

Velocity Financial (VEL) released Q2 2026 earnings call transcript detailing quarterly results and outlook. Earnings details and outlook may moderately influence near-term financial performance views and sentiment.

6 Aug

4

Velocity Financial Inc (VEL) highlighted strong core earnings in its Q2 2026 earnings call. Strong core earnings signal improved financial performance that can drive notable gains in stock price and investor outlook.

5 Aug

3

Velocity Financial, Inc. reported its second quarter 2026 financial results. Quarterly earnings releases typically drive moderate short-term stock movements based on reported metrics.

3 Jul

3

Kroll Bond Rating Agency affirmed and upgraded Velocity Commercial Capital securitization ratings. Upgraded securitization ratings improve credit perception and support capital access.

7 May

3

Velocity Financial, Inc. (VEL) released Q1 2026 earnings call summary detailing quarterly financial results, performance highlights, and forward-looking guidance. Q1 earnings call summary provides insights into financial performance and outlook, moderately influencing investor sentiment and stock trajectory.

6 May

4

Velocity Financial, Inc. (VEL) reported first quarter 2026 results. Quarterly earnings reports like Q1 2026 results significantly influence stock performance and future outlook for Velocity Financial.

11 Mar

4

Velocity Financial Inc (VEL) Q4 2025 earnings call highlights record growth and strategic initiatives. Record growth and strategic initiatives indicate significant positive impact on VEL's future performance and investor sentiment.

4

Velocity Financial, Inc. (VEL) Q4 2025 earnings call summary details quarterly financial results, performance highlights, and forward-looking guidance. Q4 2025 earnings results and guidance directly shape VEL's financial trajectory and investor expectations.

4

Velocity Financial Inc. (VEL) reported Q4 net income of $13 million, or 40 cents per share, versus $11.8 million, or 39 cents, last year. Revenue climbed to $80.6 million from $74.3 million. Q4 earnings beat on EPS and revenue significantly boosts investor sentiment and stock trajectory.

4

Velocity Financial, Inc. (VEL) reported fourth quarter and full-year 2025 financial results. Quarterly and annual earnings reports drive significant shifts in stock performance and investor sentiment.

30 Jan

3

Velocity Financial, Inc. has successfully closed an offering of $500 million in senior notes due in 2031. The proceeds from this offering are intended to be used for general corporate purposes, which may include refinancing existing debt and funding future growth initiatives. The offering of senior notes may provide additional capital for growth and refinancing, impacting financial performance moderately.

28 Jan

3

Velocity Financial, Inc. has announced the pricing of $500 million in senior notes due in 2031. The notes will bear interest at a rate of 6.125% per annum and are expected to close on November 1, 2023. The proceeds from this offering will be used for general corporate purposes, including the repayment of existing debt. Issuing senior notes may provide liquidity and impact financial performance, but the overall effect is expected to be limited.

26 Jan

4

Velocity Financial, Inc. (VEL) has announced its preliminary expected results for the fourth quarter and full-year 2025, indicating a positive outlook for the company's financial performance. The report highlights key metrics that suggest growth and stability, reflecting the company's strategic initiatives and market positioning. Investors and stakeholders are likely to take note of these developments as they assess the company's future prospects. The preliminary results indicate significant growth potential and strategic initiatives that could alter the company's trajectory.

3

Velocity Financial, Inc. has announced a proposed offering of $500 million in senior notes due in 2031. The company intends to use the proceeds for general corporate purposes, which may include refinancing existing debt. This move is part of Velocity's strategy to enhance its financial flexibility and support its growth initiatives. The offering of senior notes is expected to provide financial flexibility and may influence the company's capital structure.

7 Jan

3

Velocity Financial, Inc. (VEL) is being considered for addition to investment watchlists due to its recent performance and market positioning. Analysts are evaluating its growth potential and financial health, particularly in the context of current market trends and economic conditions. Investors are encouraged to assess whether VEL aligns with their investment strategies and risk tolerance. Current market trends and financial health may moderately influence Velocity Financial's performance and investor sentiment.

2 Jan

4

Velocity Financial, Inc. (VEL) has reached a new high and identified two buy points, indicating strong market performance and investor interest. The company's recent developments suggest a positive trajectory in the competitive landscape of chipmaking, potentially enhancing its market position and financial outlook. The identification of buy points and reaching a new high indicates significant market momentum that could influence investor sentiment and future performance.

16 Dec

4

Velocity Financial, Inc. has announced the sale of nonperforming loans, which is expected to enhance its financial position. Additionally, the company has entered into a new servicing partnership aimed at improving operational efficiency and customer service. These strategic moves are part of Velocity's ongoing efforts to strengthen its portfolio and enhance overall performance. The sale of nonperforming loans and the new servicing partnership are significant strategic moves that could positively impact the company's financial health and operational efficiency.

26 Nov

4

Velocity Financial, Inc. (NYSE:VEL) has seen a remarkable increase in its stock value, with investors who bought shares five years ago enjoying a 206% return. This significant growth reflects the company's strong performance and strategic positioning in the financial sector, attracting attention from both current and potential investors. The substantial increase in stock value indicates a significant positive shift in investor sentiment and market positioning.

7 Nov

4

Velocity Financial, Inc. (VEL) reported record growth in Q3 2025, highlighting strong financial performance despite challenging market conditions. Key metrics showed significant increases in revenue and profitability, driven by strategic initiatives and robust demand for their products. The company remains optimistic about future growth prospects and plans to continue investing in innovation and market expansion. Record growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

6 Nov

4

Velocity Financial, Inc. reported its Q3 earnings, highlighting key financial metrics and performance indicators. The company showed growth in revenue and net income compared to the previous quarter, driven by increased loan originations and improved operational efficiency. Management provided insights into future strategies and market conditions, indicating a positive outlook despite potential challenges in the economic landscape. The earnings report reflects significant growth and strategic insights that could influence investor sentiment and the company's future trajectory.

4

Velocity Financial, Inc. reported its third quarter 2025 results, highlighting a significant increase in revenue and net income compared to the previous year. The company attributed this growth to strong demand for its financial products and effective cost management strategies. Additionally, Velocity Financial announced plans for future expansion and investment in technology to enhance customer experience. Overall, the results exceeded market expectations, leading to positive investor sentiment. Significant revenue growth and strategic expansion plans are likely to influence future performance and investor sentiment.

13 Aug

4

Velocity Financial, Inc. (VEL) has announced its dual listing on NYSE Texas, expanding its market presence and accessibility to investors. This strategic move aims to enhance liquidity and attract a broader investor base, positioning the company for future growth opportunities. The dual listing is a significant strategic move that could enhance liquidity and investor interest, impacting the company's future performance.

8 Aug

4

Velocity Financial, Inc. (VEL) reported record growth in Q2 2025, highlighting significant strategic expansion efforts. The company achieved impressive revenue increases and outlined plans for future initiatives aimed at enhancing market presence and operational efficiency. Management emphasized a commitment to innovation and customer service, positioning VEL for sustained success in a competitive landscape. Record growth and strategic expansion initiatives are likely to significantly impact future performance and investor sentiment.

7 Aug

4

Velocity Financial, Inc. reported its Q2 earnings, showcasing a notable increase in revenue and net income compared to the previous quarter. The company's performance was driven by strong demand for its mortgage products and effective cost management strategies. Additionally, Velocity Financial highlighted its commitment to expanding its market presence and enhancing customer service. The outlook for the upcoming quarters remains positive, with expectations for continued growth and profitability. Strong revenue growth and positive outlook indicate significant potential for future performance.

4

Velocity Financial, Inc. reported its second quarter 2025 results, highlighting significant growth in revenue and net income compared to the previous year. The company attributed this success to increased demand for its financial products and effective cost management strategies. Additionally, Velocity Financial announced plans for future expansion and investment in technology to enhance customer experience. Overall, the results reflect a positive trajectory for the company amidst a competitive market. Significant growth in revenue and net income indicates a strong performance that could influence investor sentiment and market positioning.

30 Jul

3

Velocity Financial, Inc. (VEL) is being considered for watchlisting as analysts evaluate its market position and potential growth opportunities. The company has shown resilience in a challenging economic environment, with strategic initiatives aimed at enhancing its competitive edge. Investors are encouraged to assess the company's financial health and market trends to determine if it aligns with their investment strategies. The company's strategic initiatives and market resilience may moderately influence its financial performance and competitive positioning.

9 Jul

4

Velocity Financial, Inc. announced that Kroll Bond Rating Agency affirmed ratings on 26 securitizations issued by its subsidiary, Velocity Commercial Capital, LLC, resulting in 344 affirmations and 14 upgrades. The affirmations reflect stable collateral performance and minimal losses, while upgrades were based on increased credit support and positive loan pool trends. Cumulative losses in outstanding securitizations ranged from 0.00% to 0.58%, with 13 experiencing no losses. Jeff Taylor, Executive VP of Capital Markets, highlighted the company's commitment to investor alignment and strong underwriting discipline. The rating upgrades and affirmations indicate significant positive momentum in Velocity's securitizations, likely enhancing investor sentiment and financial performance.

19 Jun

4

Velocity Financial, Inc. (NYSE: VEL) has seen a remarkable 353% increase in stock value over the past five years, significantly outperforming the broader market. This impressive growth reflects the company's strong performance and strategic initiatives that have resonated well with investors. As a result, those who invested in VEL five years ago have reaped substantial rewards, highlighting the company's successful trajectory in the financial sector. The significant stock increase indicates strong investor confidence and potential for continued growth in Velocity Financial's market position.

stockrow.com/VEL · Data as of Sep 30, 2023 · For information only; not investment advice. · © 2026 stockrow.com