VEL
Velocity Financial, Inc.
$17.17
-0.38
(-2.17%)
Mkt Cap
674.01M
Volume
56,026
52W Range
16.19-21.395
Sector
Financial Services
Beta
0.76
EPS (TTM)
2.83
P/E Ratio
6.07
Revenue (TTM)
688.55M
Rev Growth (5Y)
+33.9%
EPS Growth (5Y)
+19.2%
AlphaVal · Fair Value
$40.64
Undervalued · Strong
57.8% below fair value
AlphaQuality · Grade
B-
Banks, Insurers & Asset Managers
64.9 / 100 composite
Company Description
Velocity Financial, Inc. operates as a real estate finance company in the United States. It primarily originates and manages investor loans secured by 14 unit residential rental and small commercial properties. The company offers its products through a network of independent mortgage brokers. Velocity Financial, Inc. was founded 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 | N/A | N/A |
| Total Debt | 6.54B | 4.86B | 3.84B | 3.28B | 2.38B | 1.73B | 2.01B | 1.55B | 1.19B | 1.05B | N/A | N/A |
| Cash & Equiv | 92.10M | 50.11M | 40.76M | 45.42M | 36.13M | 13.91M | 22.55M | 15.01M | 15.92M | 49.98M | N/A | N/A |
| Book Value | 672.53M | 516.94M | 433.44M | 376.81M | 341.11M | 219.59M | 152.84M | 163.26M | 130.94M | 1.13B | N/A | N/A |
| Return on Equity | 0.16 | 0.13 | 0.12 | 0.09 | 0.09 | 0.08 | 0.11 | 0.05 | 0.11 | 0.01 | N/A | N/A |
| 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 | 112.05M | 92.10M | 98.96M | 79.56M | 51.68M | 50.11M | 44.09M | 47.37M | 59.05M | 40.76M | 29.39M | 33.99M |
| Book Value | 696.40M | 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 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
Velocity Financial, Inc. Announces Pricing of $500 Million of Senior Notes Due 2031
Velocity Financial, Inc. Announces Proposed Offering of $500 Million of Senior Notes Due 2031