VEL
Velocity Financial, Inc.
Price Chart
No historical data available
Latest Quote
$17.95
-0.06 (-0.33%)
Current Price
| Previous Close | $18.01 |
| Open | $17.84 |
| Day High | $18.08 |
| Day Low | $17.71 |
| Volume | 141,284 |
Stock Information
| Shares Outstanding | 39.48M |
| Total Debt | $7.05B |
| Cash Equivalents | $76.23M |
| Revenue | $284.11M |
| Net Income | $106.18M |
| Sector | Financial Services |
| Industry | Mortgage Finance |
| Market Cap | $708.69M |
| P/E Ratio | 6.53 |
| EPS (TTM) | $2.75 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $7.69B |
| Sales | $284.11M |
| Income | $106.18M |
| Book/sh | $17.67 |
| Cash/sh | $1.93 |
| Employees | 364 |
Financial Ratios
| Quick Ratio | 15.14 |
| Current Ratio | 15.55 |
| Debt/Eq | 972.46 |
| EPS Growth TTM | -3.20% |
Returns & Margins
| ROA | 1.50% |
| ROE | 16.32% |
| Gross Margin | 75.67% |
| Operating Margin | 52.09% |
| Profit Margin | 37.91% |
Ownership
| Insider Ownership | 2.97% |
| Institutional Ownership | 99.14% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 5.92 |
| P/S | 2.49 |
| P/B | 1.02 |
Analyst Data
| Recommendation | hold |
| Target Price | $21.50 |
Technical Indicators
| SMA20 | $18.08 |
| SMA50 | $17.84 |
| SMA200 | $18.50 |
| RSI | 42.86 |
| ATR | 0.5014 |
| Shares Float | 5.25M |
| Short Float | 29.54% |
| Short Ratio | 14.14 |
| Volatility | 0.70 |
| Rel Volume | 1.24 |
Performance History
| Week | -2.13% |
| Month | +2.51% |
| Quarter | +2.57% |
| 6 Months | -3.44% |
| YTD | -8.14% |
| Year | -5.77% |
| 3 Years | +42.23% |
| 5 Years | +38.61% |
| 10 Years | +32.86% |
Stock Score:
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Recent Price History
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About Velocity Financial, Inc.
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
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $311,525,000 | $211,737,000 | $155,512,000 | $91,185,000 |
| Operating Revenue | $311,525,000 | $211,737,000 | $155,512,000 | $91,185,000 |
| Expenses | ||||
| Interest Expense | $365,048,000 | $271,039,000 | $203,024,000 | $157,195,000 |
| Rent Expense Supplemental | $1,122,000 | $1,929,000 | $1,927,000 | $1,748,000 |
| Selling And Marketing Expense | $1,429,000 | $1,237,000 | $872,000 | $1,421,000 |
| General And Administrative Expense | $93,521,000 | $73,311,000 | $52,122,000 | $34,507,000 |
| Professional Expense And Contract Services Expense | $6,098,000 | $7,616,000 | $4,599,000 | $4,179,000 |
| Other Non Interest Expense | $58,432,000 | $32,009,000 | $24,877,000 | $5,374,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $105,054,000 | $68,419,000 | $52,273,000 | $32,211,000 |
| Net Interest Income | $191,637,000 | $142,294,000 | $112,945,000 | $83,148,000 |
| Interest Income | $556,685,000 | $413,333,000 | $315,969,000 | $240,343,000 |
| Normalized Income | $105,054,000 | $68,419,000 | $52,273,000 | $32,211,000 |
| Net Income From Continuing And Discontinued Operation | $105,054,000 | $68,419,000 | $52,273,000 | $32,211,000 |
| Net Income Common Stockholders | $103,706,000 | $67,585,000 | $51,520,000 | $31,720,000 |
| Net Income | $105,054,000 | $68,419,000 | $52,273,000 | $32,211,000 |
| Net Income Including Noncontrolling Interests | $104,983,000 | $68,466,000 | $52,293,000 | $32,519,000 |
| Net Income Continuous Operations | $104,983,000 | $68,466,000 | $52,293,000 | $32,519,000 |
| Pretax Income | $146,240,000 | $96,391,000 | $71,127,000 | $44,552,000 |
| Per Share | ||||
| Diluted EPS | $2.75 | $1.91 | $1.52 | $0.94 |
| Basic EPS | $2.81 | $2.07 | $1.60 | $0.99 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,020,000 | $2,000,000 | $2,297,000 | $2,116,000 |
| Diluted Average Shares | $38,178,000 | $35,760,000 | $34,484,000 | $34,131,000 |
| Basic Average Shares | $36,850,000 | $32,653,000 | $32,206,000 | $31,913,000 |
| Diluted NI Availto Com Stockholders | $103,706,000 | $67,585,000 | $51,520,000 | $31,720,000 |
| Otherunder Preferred Stock Dividend | $1,348,000 | $834,000 | $753,000 | $491,000 |
| Minority Interests | $71,000 | $-47,000 | $-20,000 | $-308,000 |
| Tax Provision | $41,257,000 | $27,925,000 | $18,834,000 | $12,033,000 |
| Gain On Sale Of Security | $-30,454,000 | $2,581,000 | $-9,002,000 | $0 |
| Selling General And Administration | $94,950,000 | $74,548,000 | $52,994,000 | $35,928,000 |
| Insurance And Claims | $2,182,000 | $1,793,000 | $1,851,000 | $2,301,000 |
| Rent And Landing Fees | $1,122,000 | $1,929,000 | $1,927,000 | $1,748,000 |
| Salaries And Wages | $90,217,000 | $69,589,000 | $48,344,000 | $30,458,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-08-28
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $652,797,000 | $496,457,000 | $418,091,000 | $360,798,000 |
| Total Assets | $7,381,513,000 | $5,527,408,000 | $4,404,573,000 | $3,748,975,000 |
| Goodwill And Other Intangible Assets | $19,738,000 | $20,487,000 | $15,353,000 | $16,013,000 |
| Other Intangible Assets | $12,963,000 | $13,712,000 | $8,578,000 | $9,238,000 |
| Prepaid Assets | $2,706,000 | $2,145,000 | $2,026,000 | $1,843,000 |
| Receivables | $204,045,000 | $160,088,000 | $120,868,000 | $95,483,000 |
| Other Receivables | $154,367,000 | $124,853,000 | $93,840,000 | $75,020,000 |
| Accounts Receivable | $49,678,000 | $35,235,000 | $27,028,000 | $20,463,000 |
| Cash And Cash Equivalents | $92,103,000 | $49,901,000 | $40,756,000 | $45,424,000 |
| Cash Financial | $92,103,000 | $49,901,000 | $40,566,000 | $45,248,000 |
| Cash Cash Equivalents And Federal Funds Sold | $249,237,000 | $70,830,000 | $62,117,000 | $62,232,000 |
| Debt | ||||
| Net Debt | $6,445,408,000 | $4,809,478,000 | $3,801,310,000 | $3,231,526,000 |
| Total Debt | $6,537,511,000 | $4,859,379,000 | $3,842,066,000 | $3,276,950,000 |
| Long Term Debt And Capital Lease Obligation | $6,229,005,000 | $4,511,297,000 | $3,507,311,000 | $2,946,136,000 |
| Long Term Debt | $6,229,005,000 | $4,511,297,000 | $3,507,311,000 | $2,946,136,000 |
| Current Debt And Capital Lease Obligation | $308,506,000 | $348,082,000 | $334,755,000 | $330,814,000 |
| Current Debt | $308,506,000 | $348,082,000 | $334,755,000 | $330,814,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $6,705,825,000 | $5,007,193,000 | $3,967,700,000 | $3,368,475,000 |
| Payables And Accrued Expenses | $168,314,000 | $147,814,000 | $121,969,000 | $91,525,000 |
| Payables | $168,314,000 | $147,814,000 | $121,969,000 | $91,525,000 |
| Accounts Payable | $168,314,000 | $147,814,000 | $121,969,000 | $91,525,000 |
| Derivative Product Liabilities | - | $0 | $3,665,000 | $0 |
| Equity | ||||
| Common Stock Equity | $672,535,000 | $516,944,000 | $433,444,000 | $376,811,000 |
| Total Equity Gross Minority Interest | $675,688,000 | $520,215,000 | $436,873,000 | $380,500,000 |
| Stockholders Equity | $672,535,000 | $516,944,000 | $433,444,000 | $376,811,000 |
| Gains Losses Not Affecting Retained Earnings | $-2,602,000 | $-805,000 | $-1,210,000 | $0 |
| Other Equity Adjustments | $-2,602,000 | $-805,000 | $-1,210,000 | - |
| Retained Earnings | $302,379,000 | $197,325,000 | $128,906,000 | $76,633,000 |
| Preferred Securities Outside Stock Equity | - | - | - | - |
| Other | ||||
| Treasury Shares Number | $608,340 | $215,562 | $121,412 | $33,647 |
| Ordinary Shares Number | $39,573,657 | $33,545,585 | $32,865,836 | $32,489,869 |
| Share Issued | $40,181,997 | $33,761,147 | $32,987,248 | $32,523,516 |
| Tangible Book Value | $652,797,000 | $496,457,000 | $418,091,000 | $360,798,000 |
| Invested Capital | $7,210,046,000 | $5,376,323,000 | $4,275,510,000 | $3,653,761,000 |
| Total Capitalization | $6,901,540,000 | $5,028,241,000 | $3,940,755,000 | $3,322,947,000 |
| Minority Interest | $3,153,000 | $3,271,000 | $3,429,000 | $3,689,000 |
| Treasury Stock | $10,204,000 | $2,869,000 | $1,319,000 | $458,000 |
| Additional Paid In Capital | $382,564,000 | $322,954,000 | $306,736,000 | $300,310,000 |
| Capital Stock | $398,000 | $339,000 | $331,000 | $326,000 |
| Common Stock | $398,000 | $339,000 | $331,000 | $326,000 |
| Line Of Credit | $308,506,000 | $348,082,000 | $334,755,000 | $330,814,000 |
| Goodwill | $6,775,000 | $6,775,000 | $6,775,000 | $6,775,000 |
| Net PPE | $4,240,000 | $4,151,000 | $5,329,000 | $5,780,000 |
| Accumulated Depreciation | $-7,842,000 | $-7,982,000 | $-7,618,000 | $-6,900,000 |
| Gross PPE | $12,082,000 | $12,133,000 | $12,947,000 | $12,680,000 |
| Leases | $85,000 | $577,000 | $609,000 | $578,000 |
| Other Properties | $2,825,000 | $2,501,000 | $2,544,000 | $2,424,000 |
| Machinery Furniture Equipment | $9,172,000 | $9,055,000 | $9,109,000 | $8,993,000 |
| Buildings And Improvements | - | $0 | $685,000 | $685,000 |
| Preferred Stock | - | - | - | - |
Fetched: 2026-08-28
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $16,595,000 | $32,707,000 | $48,655,000 | $48,348,000 |
| Operating Activities | ||||
| Operating Cash Flow | $18,161,000 | $37,755,000 | $48,835,000 | $48,674,000 |
| Cash Flow From Continuing Operating Activities | $18,161,000 | $37,755,000 | $48,835,000 | $48,674,000 |
| Operating Gains Losses | $-140,352,000 | $-56,027,000 | $-50,814,000 | $-11,964,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,566,000 | $-5,048,000 | $-180,000 | $-326,000 |
| Investing Cash Flow | $-1,521,782,000 | $-1,045,082,000 | $-584,732,000 | $-908,238,000 |
| Cash Flow From Continuing Investing Activities | $-1,521,782,000 | $-1,045,082,000 | $-584,732,000 | $-908,238,000 |
| Net Other Investing Changes | $52,853,000 | $20,406,000 | $27,916,000 | $15,743,000 |
| Capital Expenditure Reported | $-1,285,000 | $0 | $0 | $0 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-7,335,000 | $-1,550,000 | $-861,000 | $-458,000 |
| Issuance Of Capital Stock | $40,969,000 | $10,145,000 | $2,305,000 | $607,000 |
| Financing Cash Flow | $1,682,028,000 | $1,016,230,000 | $535,768,000 | $874,016,000 |
| Cash Flow From Continuing Financing Activities | $1,682,028,000 | $1,016,230,000 | $535,768,000 | $874,016,000 |
| Net Other Financing Charges | $-2,062,000 | $-4,294,000 | $-3,342,000 | $-26,052,000 |
| Net Common Stock Issuance | $33,634,000 | $8,595,000 | $1,444,000 | $607,000 |
| Common Stock Issuance | $40,969,000 | $10,145,000 | $2,305,000 | $607,000 |
| Net Preferred Stock Issuance | - | - | - | $0 |
| Preferred Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-3,645,162,000 | $-2,599,376,000 | $-1,630,405,000 | $-2,372,529,000 |
| Issuance Of Debt | $5,284,710,000 | $3,611,305,000 | $2,168,071,000 | $3,271,990,000 |
| Interest Paid Supplemental Data | $344,882,000 | $251,259,000 | $180,364,000 | $118,711,000 |
| Income Tax Paid Supplemental Data | $50,736,000 | $41,549,000 | $7,648,000 | $23,039,000 |
| End Cash Position | $249,237,000 | $70,830,000 | $61,927,000 | $62,056,000 |
| Beginning Cash Position | $70,830,000 | $61,927,000 | $62,056,000 | $47,604,000 |
| Changes In Cash | $178,407,000 | $8,903,000 | $-129,000 | $14,452,000 |
| Proceeds From Stock Option Exercised | $10,908,000 | $0 | $0 | $0 |
| Common Stock Payments | $-7,335,000 | $-1,550,000 | $-861,000 | $-458,000 |
| Net Issuance Payments Of Debt | $1,639,548,000 | $1,011,929,000 | $537,666,000 | $899,461,000 |
| Net Long Term Debt Issuance | $1,639,548,000 | $1,011,929,000 | $537,666,000 | $899,461,000 |
| Long Term Debt Payments | $-3,645,162,000 | $-2,599,376,000 | $-1,630,405,000 | $-2,372,529,000 |
| Long Term Debt Issuance | $5,284,710,000 | $3,611,305,000 | $2,168,071,000 | $3,271,990,000 |
| Net Intangibles Purchase And Sale | $0 | $-4,759,000 | $0 | $0 |
| Purchase Of Intangibles | $0 | $-4,759,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-281,000 | $351,000 | $-180,000 | $-326,000 |
| Sale Of PPE | $0 | $640,000 | $0 | $0 |
| Purchase Of PPE | $-281,000 | $-289,000 | $-180,000 | $-326,000 |
| Change In Working Capital | $-1,307,000 | $19,622,000 | $18,798,000 | $-18,023,000 |
| Change In Other Current Assets | $-3,650,000 | $-284,000 | $8,361,000 | $-8,040,000 |
| Change In Payables And Accrued Expense | $19,558,000 | $26,280,000 | $19,664,000 | $-2,562,000 |
| Change In Receivables | $-17,215,000 | $-6,374,000 | $-9,227,000 | $-7,421,000 |
| Other Non Cash Items | $2,643,000 | $-6,831,000 | $-15,636,000 | $-7,168,000 |
| Stock Based Compensation | $8,284,000 | $6,155,000 | $4,128,000 | $3,343,000 |
| Unrealized Gain Loss On Investment Securities | $30,454,000 | $-2,581,000 | $9,002,000 | $0 |
| Deferred Tax | $-8,134,000 | $-11,431,000 | $2,694,000 | $11,571,000 |
| Deferred Income Tax | $-8,134,000 | $-11,431,000 | $2,694,000 | $11,571,000 |
| Depreciation Amortization Depletion | $2,020,000 | $2,000,000 | $2,297,000 | $2,116,000 |
| Depreciation And Amortization | $2,020,000 | $2,000,000 | $2,297,000 | $2,116,000 |
| Depreciation | $2,020,000 | $2,000,000 | $2,297,000 | $2,116,000 |
| Net Income From Continuing Operations | $104,983,000 | $68,466,000 | $52,293,000 | $32,519,000 |
| Net Investment Purchase And Sale | - | - | $0 | $0 |
| Sale Of Investment | - | - | $0 | $0 |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Purchase Of Business | - | - | $0 | $0 |
| Gain Loss On Sale Of PPE | - | - | $0 | $3,000 |
| Preferred Stock Payments | - | - | - | - |
Fetched: 2026-08-28