Velocity Financial, Inc. VEL R2K
Financial Services · Mortgage Finance · United States
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 its products through a network of independent mortgage brokers and direct borrower relationships. The company was founded in 2004 and is headquartered in Westlake Village, California
READ MORE ›$17.50
+4.48% 1Y
Market & Price
Market Cap
$686.97M
Current Price
$17.50
High / Low (52W)
$20.76 / $16.33
Beta
0.76
Valuation
Stock P/E
6.23
Industry PE
12.01
Forward P/E
5.12
PEG Ratio
-
Book Value
$17.26
Price to Book
1.01
P/S
2.53
EV/EBITDA
-
Dividend Yield
-
Profitability & Returns
ROCE
-
ROE
17.21%
ROA
1.60%
Profit Margin
39.96%
Op Margin
38.22%
EPS (Latest Qtr)
$0.57
EPS (TTM)
$2.81
Balance Sheet & Liquidity
Debt/Equity
9.65
Quick Ratio
27.11
Current Ratio
27.35
Debt
$6.72B
Total Assets
$7.38B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
3.02%
Chg in Prom Hold
-
FII / Inst Holding
98.89%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$7.32B
Total Revenue (TTM)
$271.59M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$26.71M
Shares Outstanding
39.26M
Gross Margin
74.86%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
50.61%
Profit 5Y
48.30%
Revenue (YoY)
132.10%
Earnings (YoY)
11.30%
PROS
- Excellent profit margin of 40.0%.
- Compounding revenue at 50.6% over 5 years.
- Profit CAGR of 48.3% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VEL Velocity Financial, Inc. R2K | 17.50 | 6.23 | $686.97M | - | - | 17.21% | 50.61% | 48.30% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 62.11M | 78.03M | 77.25M | 94.13M | 77.15M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 81.23M | 87.98M | 95.04M | 100.79M | 109.16M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 26.89M | 33.92M | 35.38M | 50.05M | 30.88M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 8.25M | 7.75M | 9.96M | 15.30M | 8.58M |
| Net Income | 4.70M | 3.54M | 3.88M | 5.18M | 2.58M | 2.14M | 3.48M | 9.58M | 3.40M | 9.45M | 8.02M | 8.35M | 3.12M | 10.64M | 9.98M | 8.46M | 10.65M | 12.18M | 12.09M | 17.36M | 17.25M | 14.78M | 15.80M | 20.59M | 18.89M | 26.00M | 25.37M | 34.80M | 22.36M |
| Diluted EPS | - | - | - | - | 0.13 | -2.33 | 0.11 | - | 0.10 | 0.28 | 0.23 | - | 0.09 | 0.31 | 0.29 | - | 0.31 | 0.36 | 0.35 | - | 0.49 | 0.42 | 0.44 | - | 0.51 | 0.69 | 0.65 | 0.89 | 0.57 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | 91.19M | 155.51M | 211.74M | 311.52M |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | 157.19M | 203.02M | 271.04M | 365.05M |
| Pretax Income | - | - | - | - | 44.55M | 71.13M | 96.39M | 146.24M |
| Tax Provision | - | - | - | - | 12.03M | 18.83M | 27.93M | 41.26M |
| Net Income | 7.63M | 17.29M | 17.78M | - | 32.21M | 52.27M | 68.42M | 105.05M |
| Diluted EPS | - | - | -1.55 | - | 0.94 | 1.52 | 1.91 | 2.75 |
Compounded Sales Growth
| 5 Years: | 50.61% |
| 1 Year: | 132.10% |
Compounded Profit Growth
| 5 Years: | 48.30% |
| 1 Year: | 11.30% |
Stock Price Performance
| 1 Year: | +4.48% |
| 6 Months: | -7.51% |
| 3 Months: | -5.86% |
| 1 Month: | -8.66% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 2.21B | 2.10B | - | 3.75B | 4.40B | 5.53B | 7.38B |
| Current Assets | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | 15.01M | 21.46M | 13.27M | - | 45.42M | 40.76M | 49.90M | 92.10M |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 20.46M | 27.03M | 35.23M | 49.68M |
| Total Liabilities | - | - | 2.06B | 1.79B | - | 3.37B | 3.97B | 5.01B | 6.71B |
| Current Liabilities | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | 2.95B | 3.51B | 4.51B | 6.23B |
| Total Debt | - | - | - | - | - | 3.28B | 3.84B | 4.86B | 6.54B |
| Total Equity | 130.94M | 136.80M | 152.84M | 219.59M | - | 376.81M | 433.44M | 516.94M | 672.53M |
| Shares Outstanding | - | - | - | - | - | 32.52M | 32.99M | 33.76M | 40.18M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -72.48M | -105.34M | 54.89M | - | 48.67M | 48.84M | 37.76M | 18.16M |
| Investing Cash Flow | -270.20M | -305.93M | 87.74M | - | -908.24M | -584.73M | -1.05B | -1.52B |
| Financing Cash Flow | 343.63M | 422.14M | -149.89M | - | 874.02M | 535.77M | 1.02B | 1.68B |
| Capital Expenditure | -1.30M | -882.00K | -726.00K | - | -326.00K | -180.00K | -5.05M | -1.57M |
| Free Cash Flow | -73.79M | -106.22M | 54.17M | - | 48.35M | 48.66M | 32.71M | 16.59M |
| Net Change in Cash | - | - | - | - | 14.45M | -129.00K | 8.90M | 178.41M |
| Share Buybacks | - | - | - | - | 458.00K | 861.00K | 1.55M | 7.33M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | 35.3% | 33.6% | 32.3% | 33.7% |
| ROE % | 5.6% | 11.3% | 8.1% | - | 8.5% | 12.1% | 13.2% | 15.6% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
3.02%
Institutions
98.89%
Public Float
101.96%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Snow Phipps Group, LLC | 34.02% | 13.35M | $233.68M |
| 2 | Allianz Asset Management GmbH | 32.19% | 12.64M | $221.16M |
| 3 | Beach Point Capital Management LP | 16.71% | 6.56M | $114.77M |
| 4 | Blackrock Inc. | 4.18% | 1.64M | $28.73M |
| 5 | Dimensional Fund Advisors LP | 1.48% | 582.55K | $10.19M |
| 6 | Adage Capital Partners GP L.L.C. | 1.23% | 482.71K | $8.45M |
| 7 | Vanguard Capital Management LLC | 1.22% | 480.65K | $8.41M |
| 8 | American Century Companies Inc | 0.73% | 285.37K | $4.99M |
| 9 | Goldman Sachs Group Inc | 0.70% | 275.12K | $4.81M |
| 10 | Geode Capital Management, LLC | 0.64% | 249.50K | $4.37M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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