Velocity Financial, Inc. VEL R2K
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 17.2%, 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 6.1, below the sector median of 13.5.
Maintains a net profit margin of 40.0%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +132.1%, earnings +11.3%.
- 5-Year Trend Long-term compounding — profit CAGR 45.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 132.10% |
Compounded Profit Growth
| 5 Years: | 45.44% |
| 1 Year: | 11.30% |
Stock Price Performance
| 1 Year: | -5.12% |
| 6 Months: | -8.59% |
| 3 Months: | -11.58% |
| 1 Month: | -1.77% |
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)41.55 · Neutral
P/E of 6.14 is below the sector median of 13.52 — 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 40.0%.
- 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. R2K | 17.25 | 6.14 | $677.15M | 0.00% | - | 17.21% | - | 45.44% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | - | 0.57 |
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 | 2.81B | 3.75B | 4.40B | 5.53B | 7.38B |
| Total Equity | 130.94M | 136.80M | 152.84M | 219.59M | 341.11M | 376.81M | 433.44M | 516.94M | 672.53M |
| Cash & Equivalents | - | 15.01M | 21.46M | 13.27M | 35.97M | 45.25M | 40.57M | 49.90M | 92.10M |
| Total Liabilities | - | - | 2.06B | 1.79B | 2.47B | 3.37B | 3.97B | 5.01B | 6.71B |
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% | 8.6% | 8.5% | 12.1% | 13.2% | 15.6% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Snow Phipps Group, LLC | 34.02% | 13.35M | $230.88M |
| 2 | Allianz Asset Management GmbH | 32.19% | 12.64M | $218.51M |
| 3 | Beach Point Capital Management LP | 16.71% | 6.56M | $113.40M |
| 4 | Blackrock Inc. | 4.18% | 1.64M | $28.39M |
| 5 | Dimensional Fund Advisors LP | 1.48% | 582.55K | $10.07M |
| 6 | Adage Capital Partners GP L.L.C. | 1.23% | 482.71K | $8.35M |
| 7 | Vanguard Capital Management LLC | 1.22% | 480.65K | $8.31M |
| 8 | American Century Companies Inc | 0.73% | 285.37K | $4.93M |
| 9 | Goldman Sachs Group Inc | 0.70% | 275.12K | $4.76M |
| 10 | Geode Capital Management, LLC | 0.64% | 249.50K | $4.31M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for VEL
Insiders At Velocity Financial Sold US$1.2m In Stock, Alluding To Potential Weakness - Moomoo
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Velocity Financial (NYSE: VEL) CAO sells 68 shares under 10b5-1 plan - Stock Titan
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Insider Sale: Chief Accounting Officer of $VEL Sells 68 Shares - Quiver Quantitative
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Do Velocity Financial's (NYSE:VEL) Earnings Warrant Your Attention? - simplywall.st
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How (VEL) Movements Inform Risk Allocation Models - Stock Traders Daily
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Velocity Composites Stock Price Forecast. Should You Buy VEL.L? - StockInvest.us
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VEL — Frequently Asked Questions
What is the current share price of Velocity Financial, Inc. (VEL)?
As of 2026-07-15 16:51 PDT, Velocity Financial, Inc. (VEL) trades at $17.25 on NYSE. Its 52-week range is $16.33 to $20.76.
What is the market capitalisation of VEL?
Velocity Financial, Inc. (VEL) has a market capitalisation of $677.15M on NYSE.
What is the P/E ratio of VEL?
VEL trades at a trailing price-to-earnings (P/E) ratio of 6.14. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 0.98.
What is the return on equity (ROE) of VEL?
VEL has a return on equity (ROE) of 17.21%.
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.