Velocity Financial, Inc. (VEL)

NYQ – Real Time Price. Currency in USD

18.15

-0.07 (-0.36%)

Market open: Aug 12, 2026, 1:14 PM EDT

18.24

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 18.16$
Day's range: 17.92 - 18.42$
52-week range: 16.65 - 21.4$
Volume: 29 478
Average volume: 94 033
Beta: 0.46
EPS (TTM): 2.76
PE ratio (TTM): 6.69
Forward P/E: 6.58
Market cap: 716 983 219
Shares outstanding: 39 481 455
Dividend yield: N/A
Next earnings date: 2026-10-29
Sector: Financials
Industry: Mortgage Finance

About the company

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. It offers i... read more

CEO: Christopher Farrar
Country: United States
IPO Date: 2020-01-17
Employees: 371
Fiscal Year End: January - December
Website: https://www.velfinance.com

Revenue Breakdown

Investment and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: VEL

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Overall Score

4.4 / 1044%

Octagon View

Strength & Weakness

Total debt $7.1B significantly exceeds cash reserves ($245.2M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $497.7M, indicating tight liquidity

Debt-to-equity ratio (9.7) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $5.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.20	14.38	7.0
Quick ratio	0.92	11.52	6.0
Debt to Equity	9.77	5.24	2.0
Debt to Assets	0.89	7.44	2.0
Interest coverage	N/A	-15.59	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	254M	339M	451M	626M	688M
Gross Profit	239M	306M	407M	563M	623M
Operating Income	200M	275M	367M	511M	599M
Net Income	32M	52M	68M	104M	106M
EBITDA	203M	279M	371M	519M	606M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	88.42	73.21	10
Operating margin %	86.18	-0.54	10
Net margin %	13.89	-15.89	10
EBITDA margin %	86.92	-169.03	10
Cash flow margin %	3.01	0.50	2.0
Weighted average score			8.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.53	-10.20	3.0
ROE	16.66	-4.30	8.0
ROIC	1.66	-12.49	4.0
ROCE	2.15	0.30	5.0
Weighted average score			5.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	1.63	0.97	2.5
Next quarter	-15.23	-24.73	1.0
Current year	-22.14	-5.15	1.0
Next year	11.29	8.7	6.5
Weighted average score			2.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	6.45	12.57	4.41	-56.03	4.5
Y/Y	17.92	-3.45	-2.73	239.67	5.3
3y average	35.22	49.02	33.12	-21.94	7.8
5y average	29.76	43.37	27.57	-14.31	7.8
Weighted average score					6.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	6.69	6.46	7.4
PEG (5yr expected)	N/A	0.13	1.0
P/S	2.21	7.97	6.4
P/B	1.01	0.82	5.8
Weighted average score			5.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.59%

FCF 5 year CAGR4

Fair value16.39$

Stock price18.24$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$16.39

UndervaluedStock priceOvervalued

$18.24

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Christopher Farrar

Country

United States

IPO Date

2020-01-17

Employees

371

Fiscal Year End

January - December

Website

https://www.velfinance.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.20

14.38

7.0

Quick ratio

0.92

11.52

6.0

Debt to Equity

9.77

5.24

2.0

Debt to Assets

0.89

7.44

2.0

Interest coverage

N/A

-15.59

Weighted average score

5.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

254M

339M

451M

626M

688M

Gross Profit

239M

306M

407M

563M

623M

Operating Income

200M

275M

367M

511M

599M

Net Income

32M

52M

68M

104M

106M

EBITDA

203M

279M

371M

519M

606M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

88.42

73.21

Operating margin %

86.18

-0.54

Net margin %

13.89

-15.89

EBITDA margin %

86.92

-169.03

Cash flow margin %

3.01

0.50

2.0

Weighted average score

8.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.53

-10.20

3.0

ROE

16.66

-4.30

8.0

ROIC

1.66

-12.49

4.0

ROCE

2.15

0.30

5.0

Weighted average score

5.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

1.63

0.97

2.5

Next quarter

-15.23

-24.73

1.0

Current year

-22.14

-5.15

1.0

Next year

11.29

8.7

6.5

Weighted average score

2.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

6.45

12.57

4.41

-56.03

4.5

Y/Y

17.92

-3.45

-2.73

239.67

5.3

3y average

35.22

49.02

33.12

-21.94

7.8

5y average

29.76

43.37

27.57

-14.31

7.8

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

6.69

6.46

7.4

PEG (5yr expected)

N/A

0.13

1.0

P/S

2.21

7.97

6.4

P/B

1.01

0.82

5.8

Weighted average score

5.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Velocity Financial, Inc. (VEL)

Stock details

About the company

Revenue Breakdown

News

Chart: VEL

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$16.39

$18.24

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: VEL

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$16.39

$18.24

Economic Moat