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VEL US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings
Logo
  • Home
  • AI Agent
  • Annotations
  • Files
  • Pricing and plans
  • BlogAboutContact us
    APIMCP
    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

VEL US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

Velocity Financial, Inc.(VEL US)

$17.28-0.372.10%(Market Open · 16:14:41 UTC)
ProfileFinancialsChartingShort InterestEmployees

Overview

Profile

Financials & Metrics

FinancialsChartingShort InterestEmployees

Velocity Financial, Inc.(VEL US)

$17.28-0.372.10%(Market Open · 16:14:41 UTC)
ProfileFinancialsChartingShort InterestEmployees

Overview

Profile

Financials & Metrics

FinancialsChartingShort InterestEmployees
Ask AI
Ask AI

Velocity Financial, Inc. — Company Profile

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

Sector
Financials
Industry
Financial Services
Exchange
UN
CEO
Christopher D. Farrar
Headquarters
Westlake Village, CA, US
IPO Date
Jan 17, 2020
Employees
368
Website
www.velfinance.com

Key Metrics

Price
$14.59
Market Cap
$572.73M
Revenue (TTM)
$167.92M
Net Income (TTM)
$22.36M
EPS (TTM)
0.57
P/E (TTM)
5.28
P/B (TTM)
0.82
Dividend Yield
0.00%
ROE (TTM)
3.21%
ROA (TTM)
0.29%
Operating Margin
87.48%
Beta
0.18

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

Website
www.velfinance.com
Location
Westlake Village, CA, US
Phone818 532 3700
Employees368
CEOChristopher D. Farrar
Sector
Financials
Industry
Financial Services
IPO DateJan 17, 2020

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

News

  • Velocity Financial, Inc. (VEL) Q3 2026 Earnings Call Transcript6 Nov
  • Velocity Financial, Inc. Reports Third Quarter 2026 Results4 Nov
  • Velocity Financial, Inc. Announces Date of Third Quarter 2026 Financial Results Webcast and Conference Call22 Oct
  • Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript27 Aug
  • Velocity Enters into Agreements to Acquire Toorak's Operating Platform and Manage Toorak's $3 Billion Business-Purpose Loan Portfolio27 Aug

Key Stats

Trading

Px/Chg 1D$14.59 / -0.14%
Avg Volume98.70K
Beta0.18
Mkt Cap572.73M
FD Mkt Cap702.08M

Float

Shrs Out/Float39.26M / 24.23M
Short Float0.06%
Days to Cover11.44
Stock Repurchased$4.54M

Current Valuation

EV7.19B
EV/EBITDA19.87
EV/Sales10.44
P/B0.82
P/S0.83
FCF Yield2.10%
ROE3.21%
ROA0.29%
Current Ratio0.64

Estimates

P/E5.28
Est P/E0.00
Est EPS0.64
Est PEG0.00

Valuation

Metric5Yr AvgMay '23May '24Apr '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings14.808.4710.688.5320.7225.61
Price / Sales2.781.104.241.213.963.41
Price / Book Value1.010.721.291.131.070.82
Price / Free Cash Flow-15.975.649.1715.57-157.9747.73
ENTERPRISE VALUE METRICS
Enterprise Value5,524.53,508.14,363.25,396.07,169.77,185.7
Enterprise Value / Sales28.1114.1233.1311.1839.3242.79
Enterprise Value / EBITDA45.7275.170.0054.8447.3051.31
Enterprise Value / EBIT-333.1978.74-1,899.5255.9847.5351.31

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue40.9%181.3248.4131.7482.8714.4
Gross Income73.2%75.690.0131.7210.6681.0
EBITDA86.6%42.246.7-98.4511.3
EBIT89.3%39.844.6-2.396.4511.3
Net Income37.7%29.232.252.368.4105.1
EPS (Diluted)33.7%0.860.931.521.912.75
BALANCE SHEET
Cash & ST Inv26.4%36.145.440.850.192.1
Total Assets27.3%2,812.53,749.04,404.65,527.47,381.5
Total Liabilities28.4%2,468.03,368.53,967.75,007.26,705.8
Total Shareholder Equity18.5%341.1376.8433.4516.9672.5
CASH FLOW
Net Operating Cash Flow-25.1%57.648.761.137.818.2
Cap Ex20.1%-0.1-0.3-0.2-0.3-0.3
Free Cash Flow-25.3%57.348.360.937.517.9

Enterprise Value Bridge

Millions USD10 Nov '26
Price (As of 10 Nov '26)17.35
Basic Shares39.26
Market Cap680.9
Diluted Shares39.46
Fully Diluted Shares Outstanding39.46
Fully Diluted Market Cap684.4
+Consolidated Debt486.9
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-86.8
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest4.4
+Pension Liabilities—
Enterprise Value1,085.5

Related companies

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BAJAJHFL IS

Federal National Mortgage Association Fannie Mae

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PennyMac Financial Services, Inc.

PFSI US

Federal Home Loan Mortgage Corp

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Aadhar Housing Finance Ltd.

AADHARHF IS

Federal Agricultural Mortgage Corp

AGM/A US

Paragon Banking Group PLC

PAG LN

Walker & Dunlop, Inc.

WD US

FinVolution Group

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MCAN Mortgage Corporation

MAMTF US

Velocity Financial, Inc. — Company Profile

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

Sector
Financials
Industry
Financial Services
Exchange
UN
CEO
Christopher D. Farrar
Headquarters
Westlake Village, CA, US
IPO Date
Jan 17, 2020
Employees
368
Website
www.velfinance.com

Key Metrics

Price
$14.59
Market Cap
$572.73M
Revenue (TTM)
$167.92M
Net Income (TTM)
$22.36M
EPS (TTM)
0.57
P/E (TTM)
5.28
P/B (TTM)
0.82
Dividend Yield
0.00%
ROE (TTM)
3.21%
ROA (TTM)
0.29%
Operating Margin
87.48%
Beta
0.18

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

Website
www.velfinance.com
Location
Westlake Village, CA, US
Phone818 532 3700
Employees368
CEOChristopher D. Farrar
Sector
Financials
Industry
Financial Services
IPO DateJan 17, 2020

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

News

  • Velocity Financial, Inc. (VEL) Q3 2026 Earnings Call Transcript6 Nov
  • Velocity Financial, Inc. Reports Third Quarter 2026 Results4 Nov
  • Velocity Financial, Inc. Announces Date of Third Quarter 2026 Financial Results Webcast and Conference Call22 Oct
  • Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript27 Aug
  • Velocity Enters into Agreements to Acquire Toorak's Operating Platform and Manage Toorak's $3 Billion Business-Purpose Loan Portfolio27 Aug

Key Stats

Trading

Px/Chg 1D$14.59 / -0.14%
Avg Volume98.70K
Beta0.18
Mkt Cap572.73M
FD Mkt Cap702.08M

Float

Shrs Out/Float39.26M / 24.23M
Short Float0.06%
Days to Cover11.44
Stock Repurchased$4.54M

Current Valuation

EV7.19B
EV/EBITDA19.87
EV/Sales10.44
P/B0.82
P/S0.83
FCF Yield2.10%
ROE3.21%
ROA0.29%
Current Ratio0.64

Estimates

P/E5.28
Est P/E0.00
Est EPS0.64
Est PEG0.00

Valuation

Metric5Yr AvgMay '23May '24Apr '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings14.808.4710.688.5320.7225.61
Price / Sales2.781.104.241.213.963.41
Price / Book Value1.010.721.291.131.070.82
Price / Free Cash Flow-15.975.649.1715.57-157.9747.73
ENTERPRISE VALUE METRICS
Enterprise Value5,524.53,508.14,363.25,396.07,169.77,185.7
Enterprise Value / Sales28.1114.1233.1311.1839.3242.79
Enterprise Value / EBITDA45.7275.170.0054.8447.3051.31
Enterprise Value / EBIT-333.1978.74-1,899.5255.9847.5351.31

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue40.9%181.3248.4131.7482.8714.4
Gross Income73.2%75.690.0131.7210.6681.0
EBITDA86.6%42.246.7-98.4511.3
EBIT89.3%39.844.6-2.396.4511.3
Net Income37.7%29.232.252.368.4105.1
EPS (Diluted)33.7%0.860.931.521.912.75
BALANCE SHEET
Cash & ST Inv26.4%36.145.440.850.192.1
Total Assets27.3%2,812.53,749.04,404.65,527.47,381.5
Total Liabilities28.4%2,468.03,368.53,967.75,007.26,705.8
Total Shareholder Equity18.5%341.1376.8433.4516.9672.5
CASH FLOW
Net Operating Cash Flow-25.1%57.648.761.137.818.2
Cap Ex20.1%-0.1-0.3-0.2-0.3-0.3
Free Cash Flow-25.3%57.348.360.937.517.9

Enterprise Value Bridge

Millions USD10 Nov '26
Price (As of 10 Nov '26)17.35
Basic Shares39.26
Market Cap680.9
Diluted Shares39.46
Fully Diluted Shares Outstanding39.46
Fully Diluted Market Cap684.4
+Consolidated Debt486.9
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-86.8
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest4.4
+Pension Liabilities—
Enterprise Value1,085.5

Related companies

Orix Corp

IX US

Rocket Companies, Inc.

RKT US

Bajaj Housing Finance Limited

BAJAJHFL IS

Federal National Mortgage Association Fannie Mae

FNMA US

PennyMac Financial Services, Inc.

PFSI US

Federal Home Loan Mortgage Corp

FMCC US

Aadhar Housing Finance Ltd.

AADHARHF IS

Federal Agricultural Mortgage Corp

AGM/A US

Paragon Banking Group PLC

PAG LN

Walker & Dunlop, Inc.

WD US

FinVolution Group

FINV US

MCAN Mortgage Corporation

MAMTF US