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VEL Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
18.360
Open
17.970
VWAP
18.20
Vol
149.72K
Mkt Cap
710.31M
Low
17.970
Amount
2.72M
EV/EBITDA(TTM)
22.70
Total Shares
38.90M
EV
6.76B
EV/OCF(TTM)
120.90
P/S(TTM)
3.32
Velocity Financial, Inc. is a vertically integrated real estate finance company that primarily originates and manages business purpose loans secured by 1-4-unit residential rental and small commercial properties. It originates loans nationwide across an extensive network of independent mortgage brokers. The Company's portfolio provides loans held for investment. The Company’s typical investor real estate loan is secured by a first lien on the underlying property with the added protection of a personal guarantee. Its portfolio of loans held for investment totaled $5.1 billion of unpaid principal balance (UPB) on properties in 45 states and the District of Columbia. Th Company funds its portfolio primarily through a combination of committed and uncommitted secured warehouse facilities, securitized debt, corporate debt and equity.
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Events Timeline

(ET)
2026-03-11
16:20:00
Velocity Reports Q4 Revenue of $102.904M
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2026-01-26 (ET)
2026-01-26
16:30:00
Major Averages Close Broadly Higher as Investors Brace for Earnings Reports
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2026-01-26
12:11:00
Major Averages Rebound, Nasdaq Up 0.67%
select
2026-01-26
09:20:00
Sees Q4 Net Interest Margin at Least 3.55%
select
2026-01-26
09:20:00
Velocity Expects FY25 Loan Originations of $2.72B
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2025-12-16 (ET)
2025-12-16
08:41:00
Velocity Financial Announces Agreement to Sell $133.2M in Non-Performing Loans
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2025-11-06 (ET)
2025-11-06
16:14:39
Velocity Financial announces Q3 core EPS of 69 cents, surpassing consensus estimate of 60 cents.
select
2025-08-13 (ET)
2025-08-13
08:59:03
Velocity Financial announces dual listing on NYSE Texas
select

News

NASDAQ.COM
9.5
03-11NASDAQ.COM
Velocity Financial Reports Q4 Profit Increase
  • Significant Profit Growth: Velocity Financial's fourth-quarter net profit reached $34.79 million, translating to earnings per share of $0.89, marking a substantial increase from last year's $20.58 million and $0.57 per share, indicating a notable enhancement in the company's profitability.
  • Adjusted Earnings Performance: Excluding special items, Velocity Financial reported adjusted earnings of $36.32 million, or $0.93 per share, further reflecting the company's strong performance in its core business operations.
  • Substantial Revenue Increase: The company's revenue for the fourth quarter rose by 44.6% to $102.90 million, compared to $71.16 million last year, demonstrating success in market demand and sales strategies.
  • Optimistic Market Outlook: With both revenue and profit growth, Velocity Financial showcases strong market competitiveness, and is expected to continue benefiting from industry growth and rising customer demand.
seekingalpha
9.5
03-11seekingalpha
Velocity Financial Reports Strong Q4 Earnings Beat
  • Earnings Beat: Velocity Financial reported a Q4 Non-GAAP EPS of $0.93, exceeding expectations by $0.26, which highlights a significant improvement in profitability and is likely to bolster investor confidence moving forward.
  • Significant Revenue Growth: The company achieved revenue of $102.9 million in Q4, representing a 44.6% year-over-year increase, reflecting its competitive position and successful business expansion, which may attract further investor interest.
  • Positive Stock Performance: Following the earnings release, Velocity Financial's shares rose by 3.18% in after-hours trading, indicating a favorable market reaction to the company's performance, potentially driving future investment and market performance.
  • Bond Offering Announcement: The company plans to issue $500 million of senior notes due in 2031, which not only provides funding for future expansion but also enhances its capital structure and financial flexibility, positioning it for sustained growth.
Newsfilter
8.5
01-30Newsfilter
Velocity Financial Closes $500 Million Senior Notes Offering
  • Offering Size and Rate: Velocity Financial successfully closed a $500 million offering of 9.375% Senior Notes sold at 100% of principal, reflecting strong market confidence in its financing capabilities and expected to enhance the company's capital structure.
  • Use of Proceeds: The company intends to allocate approximately $222.7 million of the net proceeds to redeem its outstanding 7.125% Senior Secured Notes due 2027, aiming to reduce interest burdens and optimize its debt structure, thereby enhancing financial flexibility.
  • Interest Payment Schedule: Interest on the Notes will begin accruing from January 30, 2026, with the first payment scheduled for August 15, 2026, and the semi-annual payment structure is expected to provide stable cash flow to support operational and investment needs.
  • Compliance and Market Positioning: The offering complies with the Securities Act of 1933, targeting qualified institutional buyers, indicating the company's adherence to capital market regulations and its appeal to high-end investors, which may enhance brand image and market trust.
Businesswire
9.5
01-29Businesswire
Velocity Financial to Release Q4 and Full Year 2025 Results on March 11, 2026
  • Earnings Release Schedule: Velocity Financial will release its Q4 and full year 2025 financial results after market close on March 11, 2026, providing investors with critical financial data and business performance insights.
  • Conference Call Details: The executive management team will host a conference call at 2:00 PM Pacific Time (5:00 PM Eastern Time) on the same day to review the financial results, enhancing investor confidence in the company's future prospects.
  • Webcast Information: The conference call will be webcast live on the company's investor relations website, requiring investors to register and install necessary software at least 15 minutes prior to ensure smooth participation.
  • Replay Service: An audio replay of the call will be available on the company's website following the conference, accessible until March 27, 2026, providing convenience for investors who could not attend live.
Newsfilter
9.5
01-29Newsfilter
Velocity Financial to Release Q4 and Full Year 2025 Results
  • Earnings Release Schedule: Velocity Financial will release its Q4 and full year 2025 financial results after market close on March 11, 2026, providing investors with critical financial data and future outlook.
  • Conference Call Details: The executive management team will host a conference call at 2:00 PM Pacific Time (5:00 PM Eastern Time) on the same day to review the financial results, enhancing investor understanding and confidence in the company's performance.
  • Webcast Information: The conference call will be webcast live on the company's investor relations website, requiring investors to register and install necessary software at least 15 minutes prior to ensure smooth participation.
  • Replay Arrangement: An audio replay of the call will be available on the company's website until March 27, 2026, allowing investors who could not attend live to access the information.
Newsfilter
8.5
01-28Newsfilter
Velocity Financial Issues $500 Million Senior Notes
  • Issuance Size: Velocity Commercial Capital, LLC successfully priced $500 million of 9.375% Senior Notes at an offering price equal to 100% of the principal, expected to close on January 30, 2026, indicating strong demand in the capital markets for the company.
  • Use of Proceeds: The company plans to use approximately $222.7 million of the net proceeds to redeem its outstanding 7.125% Senior Secured Notes due 2027, with the remainder allocated for general corporate purposes, including repaying a portion of outstanding borrowings, aimed at optimizing its capital structure.
  • Interest Payment Arrangement: The notes will pay an annual interest rate of 9.375%, with the first payment scheduled for August 15, 2026, which is expected to enhance the company's cash flow management capabilities and support future business expansion.
  • Compliance Statement: The notes are not registered under the Securities Act and are offered only to individuals reasonably believed to be qualified institutional buyers, ensuring the company raises capital within a compliant framework and mitigates legal risks.
Wall Street analysts forecast VEL stock price to rise
2 Analyst Rating
Wall Street analysts forecast VEL stock price to rise
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
22.00
Averages
22.50
High
23.00
Current: 0.000
sliders
Low
22.00
Averages
22.50
High
23.00
Citizens JMP
Steven DeLaney
Outperform
maintain
$21 -> $22
AI Analysis
2025-11-07
Reason
Citizens JMP
Steven DeLaney
Price Target
$21 -> $22
AI Analysis
2025-11-07
maintain
Outperform
Reason
Citizens JMP analyst Steven DeLaney raised the firm's price target on Velocity Financial to $22 from $21 and keeps an Outperform rating on the shares. Velocity Financial's Q3 earnings report showed continued strong execution and platform growth, the analyst tells investors in a research note.

Valuation Metrics

The current forward P/E ratio for Velocity Financial Inc (VEL.N) is 7.65, compared to its 5-year average forward P/E of 9.22. For a more detailed relative valuation and DCF analysis to assess Velocity Financial Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
9.22
Current PE
7.65
Overvalued PE
11.31
Undervalued PE
7.13

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.20
Current PS
3.38
Overvalued PS
3.74
Undervalued PS
2.67

Financials

AI Analysis
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Quarterly

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Whales Holding VEL

P
Pacific Investment Management Company LLC
Holding
VEL
+16.21%
3M Return

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Frequently Asked Questions

What is Velocity Financial Inc (VEL) stock price today?

The current price of VEL is 18.26 USD — it has increased 0.55

What is Velocity Financial Inc (VEL)'s business?

Velocity Financial, Inc. is a vertically integrated real estate finance company that primarily originates and manages business purpose loans secured by 1-4-unit residential rental and small commercial properties. It originates loans nationwide across an extensive network of independent mortgage brokers. The Company's portfolio provides loans held for investment. The Company’s typical investor real estate loan is secured by a first lien on the underlying property with the added protection of a personal guarantee. Its portfolio of loans held for investment totaled $5.1 billion of unpaid principal balance (UPB) on properties in 45 states and the District of Columbia. Th Company funds its portfolio primarily through a combination of committed and uncommitted secured warehouse facilities, securitized debt, corporate debt and equity.

What is the price predicton of VEL Stock?

Wall Street analysts forecast VEL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for VEL is22.50 USD with a low forecast of 22.00 USD and a high forecast of 23.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Velocity Financial Inc (VEL)'s revenue for the last quarter?

Velocity Financial Inc revenue for the last quarter amounts to 42.16M USD, decreased -58.83

What is Velocity Financial Inc (VEL)'s earnings per share (EPS) for the last quarter?

Velocity Financial Inc. EPS for the last quarter amounts to 0.87 USD, increased 52.63

How many employees does Velocity Financial Inc (VEL). have?

Velocity Financial Inc (VEL) has 309 emplpoyees as of March 12 2026.

What is Velocity Financial Inc (VEL) market cap?

Today VEL has the market capitalization of 710.31M USD.