Velocity Financial, Inc. VEL R2KR3KFINANCIAL
Company Overview
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
Why Investors Should Care
Generates a return on equity of 16.3%, reflecting efficient use of shareholder capital.
Net profit has compounded at 45.4% per year over the last five years.
Trades at a P/E of 6.7, below the sector median of 14.5.
Maintains a net profit margin of 38.6%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +13.1%, earnings -6.9%.
- 5-Year Trend Long-term compounding — profit CAGR 45.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 13.10% |
Compounded Profit Growth
| 5 Years: | 45.44% |
| 1 Year: | -6.90% |
Stock Price Performance
| 1 Year: | -3.17% |
| 6 Months: | +2.00% |
| 3 Months: | +5.10% |
| 1 Month: | +0.77% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)56.94 · Neutral
P/E of 6.65 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 38.6%.
- Profit CAGR of 45.4% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KR3KFINANCIAL | 18.35 | 6.65 | $724.48M | 0.00% | - | 16.32% | - | 45.44% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 25.16M |
| 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 | - | 0.57 | 0.64 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Net Income | 7.63M | 17.29M | 17.78M | 29.22M | 32.21M | 52.27M | 68.42M | 105.05M |
| Diluted EPS | - | - | -1.55 | 0.86 | 0.94 | 1.52 | 1.91 | 2.75 |
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 | 57.62M | 48.67M | 48.84M | 37.76M | 18.16M |
| Investing Cash Flow | -270.20M | -305.93M | 87.74M | -656.48M | -908.24M | -584.73M | -1.05B | -1.52B |
| Financing Cash Flow | 343.63M | 422.14M | -149.89M | 626.17M | 874.02M | 535.77M | 1.02B | 1.68B |
| Capital Expenditure | -1.30M | -882.00K | -726.00K | -135.00K | -326.00K | -180.00K | -289.00K | -281.00K |
| Free Cash Flow | -73.79M | -106.22M | 54.17M | 57.49M | 48.35M | 48.66M | 37.47M | 17.88M |
| 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 % | - | - | - | - | - | - | - | - |
| ROE % | 5.6% | 11.3% | 8.1% | - | 8.5% | 12.1% | 13.2% | 15.6% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Snow Phipps Group, LLC | 33.82% | 13.35M | $240.49M |
| 2 | Allianz Asset Management GmbH | 32.01% | 12.64M | $227.61M |
| 3 | Beach Point Capital Management LP | 16.67% | 6.58M | $118.55M |
| 4 | Blackrock Inc. | 3.77% | 1.49M | $26.83M |
| 5 | Dimensional Fund Advisors LP | 1.66% | 656.73K | $11.83M |
| 6 | Adage Capital Partners GP L.L.C. | 1.28% | 505.50K | $9.10M |
| 7 | Vanguard Capital Management LLC | 1.23% | 487.01K | $8.77M |
| 8 | American Century Companies Inc | 0.90% | 357.20K | $6.43M |
| 9 | Geode Capital Management, LLC | 0.69% | 272.54K | $4.91M |
| 10 | State Street Corporation | 0.63% | 249.73K | $4.50M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for VEL
Velocity Financial (VEL) legal chief sells shares under 10b5-1 plan - Stock Titan
<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxPU1FEcEVvZ2JvXzVlbGgyMC1PbVBkQ3hpSlFyN1RDR2tmcmNQbHA0SEJNTkxyZlE3LUw0Mjg2cjVIVmdEYV9DY3hYYTRsV3RabXRKVlZMd0VpUmhfSjRPUVoxYVlGX09QUm56QWpzYW91YWw1ejdqNXVuM0VlX2NHWFhTRUUyRTJydkViWD…
Technical Reactions to VEL Trends in Macro Strategies - Stock Traders Daily
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VEL stock holds steady as insider sells shares at 18 dollars - ad-hoc-news.de
<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPN25ra2loWlpVUlVGdTRGcW1CeW9Qb082MXpiRnBRTUp1TjFBT2MwSmVsU1Jzb2hxeHhSOHMzN0VETWlVSFBmdlU3bkNuaU5qQzhtdXpSbGJGVFhNc1kyVmIwRHRXT2ZyOWc3SGprVGxuQ3FQbjNwZEtKcXp6RlRkX2VNN0kyMWJHc3pUZ2…
VEL - Finviz
<a href="https://news.google.com/rss/articles/CBMiREFVX3lxTE1QMVYzYkdaS1BvbkRrWnpSQUNOaUhxT1RsZmE1ZEFMY1VZdEJiNUJNQjczSVFRMXQ4NWZwVUlCazAxMUdp?oc=5" target="_blank">VEL</a> <font color="#6f6f6f">Finviz</font>…
Velocity Financial to Acquire Toorak Capital Operating Platform - The Globe and Mail
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Velocity financial CLO Roland Kelly sells $28,800 in shares By Investing.com - Investing.com Nigeria
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxQa29HT0xZa210cjd2SmdYVThBTnYxekZQdTZzQ05XU1h2V0V0WGZOY0RLemtsN2hGZ0ZqSE1SOWMyMmxvNHlDanpRbXNNVmJMV0Q1RkgzbGxVOFAyaWhzU2FhNUdweUgwbHRYeV9UcmkwaXpiREtGeHRZQjN5bm5YR3REWlFOMlZ2c19KMG…
VEL — Frequently Asked Questions
What is the current share price of Velocity Financial, Inc. (VEL)?
As of 2026-09-07 16:24 PDT, Velocity Financial, Inc. (VEL) trades at $18.35 on NYSE. Its 52-week range is $16.97 to $20.76.
What is the market capitalisation of VEL?
Velocity Financial, Inc. (VEL) has a market capitalisation of $724.48M on NYSE.
What is the P/E ratio of VEL?
VEL trades at a trailing price-to-earnings (P/E) ratio of 6.65. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.04.
What is the return on equity (ROE) of VEL?
VEL has a return on equity (ROE) of 16.32%.
Is VEL a good stock to buy?
This page provides a data-driven analysis of Velocity Financial, Inc. (VEL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.