VEL
Velocity Financial, Inc.
$17.27
-0.33
(-1.88%)
Mkt Cap
677.94M
Volume
65,069
52W Range
16.19-21.395
Sector
Financial Services
Beta
0.69
EPS (TTM)
2.83
P/E Ratio
6.10
Revenue (TTM)
688.55M
Rev Growth (5Y)
+33.9%
EPS Growth (5Y)
+19.2%
AlphaVal · Fair Value
What we estimate one share is worth
$43.42
Undervalued
strong signal
60.2% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
B-
Banks, Insurers & Asset Managers
64.9 / 100 composite
A bank, insurer or asset manager — graded A–F vs. similar companies.
Company Description
Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 714.45M | 482.78M | 131.72M | 248.38M | 181.31M | 165.84M | 152.78M | 121.52M | 94.93M | 75.47M | 56.50M | 26.49M |
| Net Income | 105.05M | 68.42M | 52.27M | 32.21M | 29.22M | 17.78M | 17.29M | 7.63M | 13.99M | 6.80M | 7.15M | (6.30M) |
| EPS | 2.81 | 2.07 | 1.60 | 0.99 | 0.90 | -1.55 | 0.86 | 0.65 | 1.19 | 0.58 | 0.36 | -0.31 |
| Free Cash Flow | 17.88M | 37.47M | 60.87M | 48.35M | 57.29M | 53.32M | (107.34M) | (74.19M) | 34.56M | 26.85M | N/A | N/A |
| FCF / Share | 0.49 | 1.15 | 1.89 | 1.51 | 2.51 | 2.65 | -0.95 | -6.31 | 2.94 | 2.29 | N/A | N/A |
| Operating CF | 18.16M | 37.76M | 61.05M | 48.67M | 57.62M | 54.89M | (105.34M) | (72.48M) | 37.64M | 29.77M | N/A | N/A |
| Total Assets | 7.38B | 5.53B | 4.40B | 3.75B | 2.81B | 2.10B | 2.21B | 1.74B | 1.37B | 1.13B | 912.65M | 448.53M |
| Total Debt | 6.54B | 4.86B | 3.84B | 3.28B | 2.38B | 1.73B | 2.01B | 1.55B | 1.19B | 1.05B | 817.65M | 365.55M |
| Cash & Equiv | 92.10M | 50.11M | 40.76M | 45.42M | 36.13M | 13.91M | 22.55M | 15.01M | 15.92M | 49.98M | 12.29M | 5.64M |
| Book Value | 672.53M | 516.94M | 433.44M | 376.81M | 341.11M | 219.59M | 152.84M | 163.26M | 130.94M | 1.13B | 86.43M | 79.28M |
| Return on Equity | 0.16 | 0.13 | 0.12 | 0.09 | 0.09 | 0.08 | 0.11 | 0.05 | 0.11 | 0.01 | 0.08 | -0.08 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 167.92M | 182.32M | 172.29M | 166.02M | 119.26M | 124.89M | 119.28M | 114.41M | 98.61M | 103.13M | 91.27M | 84.54M |
| Net Income | 22.36M | 34.80M | 25.37M | 26.00M | 18.41M | 20.59M | 15.80M | 14.78M | 17.25M | 17.36M | 12.09M | 12.18M |
| EPS | 0.57 | 0.91 | 0.66 | 0.69 | 0.55 | 0.62 | 0.48 | 0.45 | 0.52 | 0.53 | 0.37 | 0.37 |
| Free Cash Flow | 12.00M | (4.57M) | 11.31M | 7.58M | 3.44M | 33.17M | (17.64M) | 11.39M | 10.54M | 19.99M | (9.78M) | 44.36M |
| FCF / Share | 0.31 | -0.12 | 0.30 | 0.20 | 0.10 | 1.02 | -0.54 | 0.35 | 0.32 | 0.62 | -0.30 | 1.38 |
| Operating CF | 12.04M | (4.49M) | 11.45M | 7.66M | 3.54M | 33.27M | (17.57M) | 11.47M | 10.58M | 20.10M | (9.75M) | 44.36M |
| Total Assets | 7.59B | 7.38B | 6.96B | 6.48B | 5.97B | 5.53B | 5.20B | 4.87B | 4.63B | 4.40B | 4.12B | 3.95B |
| Total Debt | 6.72B | 6.54B | 6.15B | 5.71B | 5.25B | 4.86B | 4.57B | 4.26B | 4.05B | 3.84B | 3.60B | 3.45B |
| Cash & Equiv | 87.05M | 92.10M | 98.96M | 79.56M | 51.68M | 50.11M | 44.09M | 47.37M | 59.05M | 40.76M | 29.39M | 33.99M |
| Book Value | 693.35M | 672.53M | 634.26M | 597.89M | 563.19M | 516.94M | 484.64M | 471.32M | 452.94M | 433.44M | 416.40M | 401.71M |
| Return on Equity | 0.03 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 |
VEL News
Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency
Velocity Appoints Dean Thevaos as Chief Technology Officer
Velocity Financial, Inc. (VEL) Q1 2026 Earnings Call Transcript
Velocity Financial, Inc. Reports First Quarter 2026 Results
OSE Immunotherapeutics Welcomes FDA Orphan Drug Designation Granted to Pegrizeprument (VEL-101) for Prevention of Organ Rejection in Heart Transplant Patients
Velocity Financial, Inc. Announces Date of First Quarter 2026 Financial Results Webcast and Conference Call
Velocity Financial, Inc. (VEL) Q4 2025 Earnings Call Transcript
Velocity Financial, Inc. Reports Fourth Quarter and Full-Year 2025 Results
Velocity Financial, Inc. Announces Closing of Offering of $500 Million of Senior Notes Due 2031
Velocity Financial, Inc. Announces Date of Fourth Quarter and Full Year 2025 Financial Results Webcast and Conference Call