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 5.5, below the sector median of 13.6.
Maintains a net profit margin of 37.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +22.7%, earnings -6.9%.
- 5-Year Trend Long-term compounding — profit CAGR 45.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 22.70% |
Compounded Profit Growth
| 5 Years: | 45.44% |
| 1 Year: | -6.90% |
Stock Price Performance
| 1 Year: | -19.26% |
| 6 Months: | -21.42% |
| 3 Months: | -13.27% |
| 1 Month: | -0.65% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)49.32 · Neutral
P/E of 5.54 is below the sector median of 13.55 — 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 37.9%.
- Profit CAGR of 45.4% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 26.3% below its 52-week high.
- 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 | 15.30 | 5.54 | $604.07M | 0.00% | - | 16.32% | - | 45.44% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 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 | $196.69M |
| 2 | Allianz Asset Management GmbH | 32.01% | 12.64M | $186.15M |
| 3 | Beach Point Capital Management LP | 16.67% | 6.58M | $96.96M |
| 4 | Blackrock Inc. | 3.77% | 1.49M | $21.95M |
| 5 | Dimensional Fund Advisors LP | 1.66% | 656.73K | $9.67M |
| 6 | Adage Capital Partners GP L.L.C. | 1.28% | 505.50K | $7.45M |
| 7 | Vanguard Capital Management LLC | 1.23% | 487.01K | $7.17M |
| 8 | American Century Companies Inc | 0.90% | 357.20K | $5.26M |
| 9 | Geode Capital Management, LLC | 0.69% | 272.54K | $4.01M |
| 10 | State Street Corporation | 0.63% | 249.73K | $3.68M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for VEL
VEL Nov 2026 17.500 call (VEL261120C00017500) stock price, news, quote and history - Yahoo Finance UK
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VEL Nov 2026 15.000 call (VEL261120C00015000) interactive stock chart - Yahoo Finance UK
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Velocity Composites (AIM:VEL) - Stock Analysis - Simply Wall Street
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Velocity Financial, Inc. Announces Date of Third Quarter 2026 Financial Results Webcast and Conference Call - www.marketscreener.com
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BTIG Keeps Their Buy Rating on Velocity Financial (VEL) - The Globe and Mail
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Precision Trading with Velocity Financial Inc - Ordinary Shares (VEL) Risk Zones - Stock Traders Daily
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VEL — Frequently Asked Questions
What is the current share price of Velocity Financial, Inc. (VEL)?
As of 2026-10-23 16:27 PDT, Velocity Financial, Inc. (VEL) trades at $15.30 on NYSE. Its 52-week range is $14.51 to $20.76.
What is the market capitalisation of VEL?
Velocity Financial, Inc. (VEL) has a market capitalisation of $604.07M on NYSE.
What is the P/E ratio of VEL?
VEL trades at a trailing price-to-earnings (P/E) ratio of 5.54. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.87.
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.