Velocity Financial, Inc. (VEL)

NYSE: VEL · USD

$15.6

+0.15 (+0.9%)· Recorded snapshot

Market cap	615.7M
Revenue (ttm)	284.1M
Net income (ttm)	106.2M
EPS (ttm)	$2.75
Shares out	39.5M
P/E (trailing)	5.7x
P/E (forward)	5.7x
Volume	118,031
Beta	0.75

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 284.1M
Net income (ttm): 106.2M
EPS (ttm): $2.75
P/E (trailing): 5.7x
P/E (forward): 5.7x
Market cap: 615.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E5.7

P25 n/aP50 n/aP75 n/a

Trailing P/E5.7

P25 n/aP50 n/aP75 n/a

ROE16.3

P25 n/aP50 n/aP75 n/a

ROIC1.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All VEL indicators

Market & fundamental data

Available fields

242

Groups with data

Currency

USD

Showing 242 of 242 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001692376
Company name	Velocity Financial, Inc.
Country	United States
Country code	US
CUSIP number	92262D101
Earnings date	2026-11-04
Earnings time	amc
Employees	371
Employees change	62
Employees growth	20.06%
Enterprise value	$7.6B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2004
In index	RUSSELL2000
Industry	Mortgage Finance
IPO date	2020-01-17
Is primary listing	Yes
Is SPAC	No
ISIN number	US92262D1019
Last 10-K release date	2026-03-12
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$615.7M
Market cap category	Small-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$15.60
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	VEL
U.S. state	California
Website	https://www.velfinance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	5.18x
Average P/E ratio (3Y)	8.82x
Average P/E ratio (5Y)	10.37x
Earnings yield	17.64%
EV/Earnings	71.46x
EV/FCF	336.83x
EV/Sales	26.71x
FCF / EV yield	0.3%
FCF yield	3.68%
Forward EV/Sales	33.06x
Forward P/E	5.73x
Forward P/S	2.67x
Graham number	33.71569
Graham upside	117.52%
Industry forward P/E	14.05x
Industry P/E	57.49x
Lynch fair value	$68.78
Lynch upside	343.77%
P/(FCF - SBC) ratio	49.08x
P/(OCF - SBC) ratio	48.07x
P/B ratio	0.84x
P/E ratio	5.67x
P/FCF ratio	27.17x
P/OCF ratio	26.85x
P/S ratio	2.15x
Price / tangible book value	0.86x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	28.6%
FCF margin	7.93%
Gross margin	75.67%
Operating margin	53.34%
Pretax margin	53.34%
Profit margin	37.91%
Profit per employee	$286,191
Profitable quarters	24
Profitable years	5
Revenue per employee	$765,790
ROA	1.5%
ROA (5Y)	1.29%
ROE	16.32%
ROE (5Y)	12.51%
ROIC	1.42%
ROIC (5Y)	1.33%
SBC / revenue	3.54%
Tax / revenue	15.25%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	24.09%
EPS growth (Q)	-6.94%
EPS growth (QoQ)	12.15%
EPS growth 3Y	31.5%
EPS growth 5Y	23.35%
EPS growth years	5
FCF growth	-15.24%
FCF growth (Q)	-51.97%
FCF growth (QoQ)	-69.75%
FCF growth 3Y	-30.75%
FCF growth 5Y	-15.37%
Net income growth	32.51%
Net income growth (Q)	-3.21%
Net income growth (QoQ)	12.57%
Net income growth 3Y	37.72%
Net income growth 5Y	38.21%
Net income growth years	5
OCF growth	-15.28%
OCF growth (Q)	-51.18%
OCF growth (QoQ)	-69.05%
OCF growth 3Y	-30.54%
OCF growth 5Y	-15.22%
Operating income growth	32.81%
Operating income growth (Q)	3.87%
Operating income growth 3Y	38.27%
Operating income growth 5Y	34.16%
Revenue growth	45.26%
Revenue growth (Q)	22.71%
Revenue growth (QoQ)	-16.26%
Revenue growth 3Y	35.29%
Revenue growth 5Y	29.87%
Revenue growth quarters	21
Revenue growth years	9

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-263,000
Depreciation and amortization	$1.7M
EPS	$2.75
FCF per share	$0.57
Financing cash flow	$1.4B
Free cash flow	$22.5M
Free cash flow minus SBC	$12.5M
Gross profit	$215M
Income taxes	$43.3M
Investing cash flow	$-1.2B
Net borrowing	$1.4B
Net cash flow	$148M
Net income	$106.2M
Operating cash flow minus SBC	$12.7M
Operating income	$151.5M
Revenue	$284.1M
Stock-based compensation	$10.1M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$18.36
Debt / equity	9.72
Debt / FCF	313.04
Goodwill	$6.8M
Net cash (debt)	$-7B
Net cash / market cap	-1,139.89%
Net debt / equity	9.62
Net debt / FCF	309.66
Piotroski F-Score	5
Property, plant and equipment	$1.3M
Shareholders' equity	$725.2M
Tangible book value	$714.8M
Tangible book value per share	$18.19
Total assets	$8B
Total cash	$76.2M
Total debt	$7.1B
Total liabilities	$7.2B
WACC	0.67%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.04
Current ratio	15.55
Quick ratio	15.14
Working capital	$7.2B
Working capital turnover	0.04

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-6.79%
Dividend yield	0%
Shareholder yield	-6.79%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$17.45
1D price change	0.94%
1M price change	0.78%
1M total return	0.78%
1W price change	4.46%
1W total return	4.46%
1Y price change	-17.27%
1Y return CAGR	-17.28%
1Y total return	-17.27%
20-day SMA	$14.87
200-day SMA	$17.83
3M price change	-12.3%
3M total return	-12.3%
3Y price change	35.7%
3Y return CAGR	10.71%
3Y total return	35.7%
50-day SMA	$16.26
50-day SMA vs 200-day SMA	50under200
52-week high	$21.40
52-week high date	2026-01-02
52-week low	$14.18
52-week low date	2026-10-01
5Y price change	28.38%
5Y return CAGR	5.12%
5Y total return	28.38%
6M price change	-20.71%
6M total return	-20.71%
All-time high	$21.40
All-time high date	2026-01-02
All-time low	$2.24
All-time low date	2020-04-03
Average true range (ATR)	$0.47
Average volume	177.8K
Beta (1Y)	0.37
Beta (2Y)	0.24
Beta (5Y)	0.75
Change from 52-week high	-27.11%
Change from 52-week low	9.98%
Change from all-time high	-27.69%
Change from all-time low	590.63%
Change from open	0.74%
Day's gap	0.19%
Dollar volume	$1.8M
High price	$15.60
Low price	$15.47
Monthly RSI	42.93
Open price	$15.48
Position in 52-week range	96.15%
Premarket change	0.84%
Premarket close	$15.45
Premarket price	$15.58
Previous close	$15.45
Price vs 150-day SMA	-11.33%
Price vs 20-day SMA	4.04%
Price vs 200-day SMA	-13.25%
Price vs 50-day SMA	-4.88%
Relative volume	0.66
Return from IPO open	11.91%
Return from IPO price	19.23%
RSI	52.78
Sharpe ratio	-0.78
Sharpe ratio (3Y)	0.36
Sharpe ratio (5Y)	0.21
Sortino ratio	-0.83
Sortino ratio (3Y)	0.78
Sortino ratio (5Y)	0.51
Volume	118K
Weekly RSI	38.42
YTD price change	-25.48%
YTD total return	-25.48%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	5M
Float percentage	12.54%
Shares change (QoQ)	0.33%
Shares change (YoY)	6.79%
Shares held by insiders	4.21%
Shares held by institutions	48.26%
Shares outstanding	39.5M
Short % of float	32.79%
Short % of shares	4.11%
Short ratio	9.1 days

Deeper analysis on VEL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this VEL report

Is a complete VEL research report available?

No complete published report is available for Velocity Financial, Inc. (VEL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Velocity Financial, Inc. (VEL)

Price

Financial snapshot

Fair-value bridge

Latest news · VEL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VEL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on VEL

Frequently asked questions