VEL
Velocity Financial, Inc.
$18.01
-0.07
(-0.39%)
Mkt Cap
706.99M
Volume
109,463
52W Range
16.65-21.395
Sector
Financial Services
Beta
0.70
EPS (TTM)
2.78 USD
P/E Ratio
6.48
Revenue (TTM)
701.29M USD
Rev Growth (5Y)
+33.9%
EPS Growth (5Y)
+19.2%
AlphaVal · Fair Value
What we estimate one share is worth
$48.39
Undervalued
strong signal
62.8% below fair value
Modeled from cash flows & growth.
AlphaQuality · Ungradable
AlphaQuality does not grade financial companies — their quality is dominated by balance-sheet and capital-structure factors outside the scope of this model.
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 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 178.75M | 167.92M | 182.32M | 172.29M | 166.02M | 119.26M | 124.89M | 119.28M | 114.41M | 98.61M | 103.13M | 91.27M |
| Net Income | 25.16M | 22.36M | 34.80M | 25.37M | 26.00M | 18.41M | 20.59M | 15.80M | 14.78M | 17.25M | 17.36M | 12.09M |
| EPS | 0.64 | 0.57 | 0.91 | 0.66 | 0.69 | 0.55 | 0.62 | 0.48 | 0.45 | 0.52 | 0.53 | 0.37 |
| Free Cash Flow | 3.69M | 12.00M | (4.57M) | 11.31M | 7.58M | 3.44M | 33.17M | (17.64M) | 11.39M | 10.54M | 19.99M | (9.78M) |
| FCF / Share | 0.10 | 0.31 | -0.12 | 0.30 | 0.20 | 0.10 | 1.02 | -0.54 | 0.35 | 0.32 | 0.62 | -0.30 |
| Operating CF | 3.79M | 12.04M | (4.49M) | 11.45M | 7.66M | 3.54M | 33.27M | (17.57M) | 11.47M | 10.58M | 20.10M | (9.75M) |
| Total Assets | 7.96B | 7.59B | 7.38B | 6.96B | 6.48B | 5.97B | 5.53B | 5.20B | 4.87B | 4.63B | 4.40B | 4.12B |
| Total Debt | 7.05B | 6.72B | 6.54B | 6.15B | 5.71B | 5.25B | 4.86B | 4.57B | 4.26B | 4.05B | 3.84B | 3.60B |
| Cash & Equiv | 245.20M | 87.05M | 92.10M | 98.96M | 79.56M | 51.68M | 50.11M | 44.09M | 47.37M | 59.05M | 40.76M | 29.39M |
| Book Value | 721.54M | 693.35M | 672.53M | 634.26M | 597.89M | 563.19M | 516.94M | 484.64M | 471.32M | 452.94M | 433.44M | 416.40M |
| Return on Equity | 0.03 | 0.03 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 |
VEL News
Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript
Velocity Enters into Agreements to Acquire Toorak's Operating Platform and Manage Toorak's $3 Billion Business-Purpose Loan Portfolio
Velocity Financial, Inc. (VEL) Q2 2026 Earnings Call Transcript
Velocity Financial, Inc. Reports Second Quarter 2026 Results
Velocity Financial, Inc. Announces Date of Second Quarter 2026 Financial Results Webcast and Conference Call
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