Velocity Financial, Inc. (NYSE: VEL) Stock Analysis & Fundamentals

VELVelocity Financial, Inc.

NYSE · US · Financial Services · Mortgage Finance · velfinance.com

18.29USD+0.66%Mkt Cap: 717.38M $P/E: 6.58Today

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 u…

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Key Statistics

Company

Market Cap717.38M $

Enterprise Value7.70B $

Revenue (TTM)284.11M $

Gross Profit214.99M $

Net Income (TTM)105.05M $

Revenue/Share7.386 USD

Last Price18.29 USD

Fiscal Year EndDec 2025

MR QuarterJun 2026

Employees364

CountryUS

SectorFinancial Services

IndustryMortgage Finance

ISIN—

Valuation

P/E (Trailing)6.58

P/E (Forward)6.04

PEG—

EV/EBITDA—

EV/Revenue27.11

P/S2.55

P/B1.04

EPS (TTM)2.78

EPS (Forward)3.03

52W Range

16.6535% of range21.39

52W High21.39 USD

52W Low16.65 USD

Profitability

Gross Margin75.67%

Oper. Margin52.09%

EBITDA Margin0.00%

Profit Margin33.72%

ROE15.62%

ROA1.42%

Growth

Revenue Growth22.70%

Earnings Growth-6.90%

Cash Flow & Leverage

Operating CF18.16M $

CapEx (TTM)1.57M $

FCF Margin—

FCF Yield—

Net Debt6.98B $

Net Debt/EBITDA—

Balance Sheet

Debt/Equity9.72

Current Ratio15.55

Quick Ratio15.14

Book Value/Sh17.67 USD

Cash/Share1.931 USD

Dividends

Fwd Div Rate—

Trail. Div Rate0.0000 USD

Div. Yield—

5Y Avg Yield—

Payout Ratio0.00%

Ex-Div Date—

Pay Date—

Analyst Consensus

Rating2.7 (Hold)

Strong BuyBuyHoldSellStr. Sell

Target (Mean)21.50 USD

Upside (mean)+17.6%

Target Range19.00 USD – 23.50 USD

$19.00+17.6% to mean$23.50

# Analysts3

Ownership

Shares Out.39.48M

Float5.25M

Insiders2.97%

Institutions99.14%

Short Interest

Short Ratio15.8d

Short % Float30.41%

Short % Out.4.08%

Shares Short1.61M

Short (prev mo.)1.39M

Technical

SMA 5017.77 (+2.9%)

SMA 20018.52 (-1.2%)

Beta0.70

S&P 52W Chg18.16%

Avg Vol (30d)85.58K

Avg Vol (10d)116.97K

Technical Indicators

RSI (14)56.0

MACD0.1367

MACD Signal0.1118

MACD Hist.+0.0249

BB Upper18.57 USD

BB Middle17.83 USD

BB Lower17.10 USD

BB Width8.25%

ATR (14)0.4946 USD

Vol Ratio (20d)0.82x