Velocity Financial (VEL) Stock Overview
Operates as a real estate finance company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
VEL Community Fair Values
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Analyst Price Targets
Velocity Financial, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$17.56 |
| 52 Week High | US$21.40 |
| 52 Week Low | US$16.19 |
| Beta | 0.71 |
| 1 Month Change | 3.48% |
| 3 Month Change | -0.90% |
| 1 Year Change | -7.48% |
| 3 Year Change | 50.73% |
| 5 Year Change | 36.76% |
| Change since IPO | 29.98% |
Recent News & Updates
Recent updates
There Is A Reason Velocity Financial, Inc.'s (NYSE:VEL) Price Is Undemanding
Velocity Financial, Inc.'s ( NYSE:VEL ) price-to-earnings (or "P/E") ratio of 7.9x might make it look like a strong buy...Here's Why We Think Velocity Financial (NYSE:VEL) Is Well Worth Watching
NYSE:VEL 1 Year Share Price vs Fair Value Explore Velocity Financial's Fair Values from the Community and select yours...Velocity Financial: Another Good Performance And Potential Acquisition Target
Summary Velocity Financial continues to impress with its vertically integrated real estate finance model, though share performance has lagged expectations. The company’s main revenue streams are interest income, upfront loan origination fees, and gains on loan sales and servicing. Loan origination momentum is robust, with $640M in new loans in Q1/25—a record, up 13.7% quarter-over-quarter and 69% year-over-year. Expansion of the independent broker network and multiple securitizations highlight strong growth avenues and operational execution. VEL shares are modestly valued and Velocity Financial could be an acquisition target, given consolidation in the industry. Read the full article on Seeking AlphaVelocity Financial, Inc.'s (NYSE:VEL) Low P/E No Reason For Excitement
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 19x, you may...Velocity Financial Is Firing On All Cylinders
Summary Velocity Financial produced another strong quarter, with shares still in the same trading range, and management is optimistic about FY25. The company's business is less rate-sensitive, focusing on real estate investors needing capital for property acquisition and management. Velocity's vertically integrated model involves originating, securitizing, and managing loans secured by various real estate types. Revenue streams include net interest income, gain on sale of loans, origination fees, unrealized gains/losses, and other income from loan servicing. Read the full article on Seeking AlphaDoes Velocity Financial (NYSE:VEL) Deserve A Spot On Your Watchlist?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Velocity Financial Should Continue To Do Well
Summary Velocity Financial benefits from bank constraints, showing impressive growth by targeting smaller investors and leveraging its 19-year reputation and automated data analytics systems. The company’s growth strategy includes expanding its mortgage broker network, developing new products, and acquiring loan portfolios, supported by a robust funding structure. Despite rising operating costs, Velocity’s earnings are strong, with a significant cash flow and an adjusted book value of nearly $17 per share. Lower interest rates are a mixed bag but generally a tailwind, potentially increasing book value and demand for housing and refinancing, though economic softening poses risks. Read the full article on Seeking Alpha
Aggressive Growth And Reliance On Non-GAAP Measures Risk Overextending Resources And Margins
Aggressive growth and high origination volumes risk operational overextension and unsustainable revenue if market conditions change.Here's Why Shareholders May Want To Be Cautious With Increasing Velocity Financial, Inc.'s (NYSE:VEL) CEO Pay Packet
Key Insights Velocity Financial will host its Annual General Meeting on 17th of May Salary of US$630.0k is part of CEO...Benign Growth For Velocity Financial, Inc. (NYSE:VEL) Underpins Its Share Price
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...Is Now The Time To Put Velocity Financial (NYSE:VEL) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Is Now The Time To Put Velocity Financial (NYSE:VEL) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Velocity Financial, Inc.'s (NYSE:VEL) Subdued P/E Might Signal An Opportunity
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 15x, you may...Velocity Financial GAAP EPS of $0.29 in-line, revenue of $26.78M misses by $0.86M
Velocity Financial press release (NYSE:VEL): Q3 GAAP EPS of $0.29 in-line. Revenue of $26.78M (+20.5% Y/Y) misses by $0.86M.Velocity Financial, Inc. Just Missed Earnings - But Analysts Have Updated Their Models
Velocity Financial, Inc. ( NYSE:VEL ) missed earnings with its latest quarterly results, disappointing...Shareholder Returns
| VEL | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | 2.2% | 1.1% | 0.5% |
| 1Y | -7.5% | -9.5% | 23.5% |
Return vs Industry: VEL exceeded the US Diversified Financial industry which returned -8.6% over the past year.
Return vs Market: VEL underperformed the US Market which returned 24.5% over the past year.
Price Volatility
| VEL volatility | |
|---|---|
| VEL Average Weekly Movement | 4.0% |
| Diversified Financial Industry Average Movement | 5.9% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: VEL has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: VEL's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2004 | 368 | Chris Farrar | www.velfinance.com |
Velocity Financial, Inc. operates as a real estate finance company in the United States. The company originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor loans unit residential rental properties; residential rental properties office; and loans for multi-family, mixed use, and commercial properties. The company also provides warehouse and other properties.
Velocity Financial, Inc. Fundamentals Summary
| VEL fundamental statistics | |
|---|---|
| Market cap | US$689.32m |
| Earnings (TTM) | US$107.10m |
| Revenue (TTM) | US$271.59m |
Is VEL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| VEL income statement (TTM) | |
|---|---|
| Revenue | US$271.59m |
| Cost of Revenue | US$68.28m |
| Gross Profit | US$203.31m |
| Other Expenses | US$96.21m |
| Earnings | US$107.10m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.73 |
| Gross Margin | 74.86% |
| Net Profit Margin | 39.44% |
| Debt/Equity Ratio | 965.2% |
How did VEL perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 12:47 |
| End of Day Share Price | 2026/06/12 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Velocity Financial, Inc. is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Eric Hagen | BTIG |
| Arren Cyganovich | Citigroup Inc |
| Steven Delaney | Citizens JMP Securities, LLC |