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Velocity Financial, Inc. (VEL)

Profile

Full Name

Velocity Financial, Inc.

Ticker

NYSE: VEL

Exchange

NYSE

Sector

Financial Services

Industry

Mortgage Finance

Country

United States

IPO

January 17, 2020

Indexes

Not included

Website

http://www.velfinance.com

Employees

309

Key Details

Price

$18.05(-1.26%)

Market cap

$658.67M(Small cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$211.74M(+36.15% YoY)

Annual EPS

$1.91(+25.66% YoY)

PE ratio

9.30

Next earnings date

Aug 1, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $18.05
    VEL price is $18.05

    30-Day Relative Volume

    0.45
    VEL 30-day relative volume is 0.45

    Price Performance

    Price Most recent change

    -1.26%
    VEL price was down -1.26% on Jul 11, 2025

    Price YTD change

    -7.72%
    VEL price is down -7.72% since January 1st

    Price 1-year change

    -3.48%
    VEL price is down -3.48% year-on-year

    Price 3-year change

    +74.4%
    VEL price is up +74.4% over the past 3 years

    Price Range

    Price All-time high

    $20.98
    VEL price is currently -13.97% below its historical high of $20.98

    Price 3-year low

    $7.81
    VEL price is currently +131.11% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $658.67M
    VEL market capitalization is $658.67 million

    Market cap 3-year change

    +96.32%
    VEL market capitalization is up +96.32% over the past 3 years

    Market cap All-time high

    $701.37M
    VEL market capitalization is currently -6.09% below its historical high of $701.37 million

    Market cap sector rank

    52.27%
    VEL market capitalization is higher than 52.27% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +10.25%
    VEL shares outstanding is up +10.25% year-on-year

    Shares Outstanding 3-Year Change

    +12.57%
    VEL shares outstanding is up +12.57% over the past 3 years

    Technical Indicators

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    Beta

    0.33
    VEL beta is 0.33

    200-day SMA

    $18.76
    VEL price is currently -3.80% below its 200-day simple moving average

    50-day SMA

    $17.63
    VEL price is currently +2.41% above its 50-day simple moving average

    RSI

    46.08
    VEL 14-day relative strength index is 46.08

    Volume

    0.45
    VEL 30-day relative volume is 0.45

    ATR

    $0.41
    VEL average true range is $0.41

    10-day Historical Volatility

    17.85%
    VEL 10-day historical volatility is 17.85%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $211.74M
    VEL annual revenue is $211.74 million

    Revenue Analysts estimate

    $167.81M
    VEL annual revenue is currently +26.18% higher than the consensus analysts' forecast

    Revenue 1-year change

    +36.15%
    VEL annual revenue is up +36.15% year-on-year

    Revenue Sector rank

    57.64%
    VEL annual revenue is higher than 57.64% of companies in Financial Services sector

    EPS

    EPS

    $1.91
    VEL annual earnings per share is $1.91

    EPS Analysts estimate

    $2.22
    VEL annual earnings per share is currently -14.09% lower than the consensus analysts' forecast

    EPS 1-year change

    +25.66%
    VEL annual earnings per share is up +25.66% year-on-year

    EPS Sector rank

    57.93%
    VEL annual earnings per share is higher than 57.93% of companies in Financial Services sector

    Profit

    Gross profit

    -
    VEL annual gross profit value is unknown

    Gross margin

    -
    VEL annual gross profit margin value is unknown

    Operating profit

    -
    VEL annual operating income value is unknown

    Operating margin

    -
    VEL annual operating profit margin value is unknown

    Net income

    $68.42M
    VEL annual net profit is $68.42 million

    Net margin

    32.31%
    VEL annual net profit margin is 32.31%

    Expenses

    Total expenses

    -
    VEL annual total expenses value is unknown

    Operating expenses

    $71.52M
    VEL annual total operating expenses is $71.52 million

    Cost of goods sold

    -
    VEL annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $71.52M
    VEL annual SGA is $71.52 million

    Depreciation and amortization

    $2.00M
    VEL annual depreciation & amortization is $2.00 million

    Interest expense

    -
    VEL annual interest expense value is unknown

    Income tax

    $27.93M
    VEL annual income tax is $27.93 million

    EBIT & EBITDA

    EBIT

    $367.43M
    VEL annual earnings before interest & taxes is $367.43 million

    EBITDA

    $369.43M
    VEL annual EBITDA is $369.43 million

    Balance Sheet

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    Assets

    Total assets

    $5.53B
    VEL annual total assets is $5.53 billion

    Non current assets

    $5.21B
    VEL annual long term assets is $5.21 billion

    Current assets

    $212.34M
    VEL annual total current assets is $212.34 million

    Cash and cash equivalents

    $50.11M
    VEL annual cash & cash equivalents is $50.11 million

    Accounts receivable

    $35.23M
    VEL annual accounts receivable is $35.23 million

    Inventory

    -
    VEL annual inventory value is unknown

    Liabilities

    Total liabilities

    $5.01B
    VEL annual total liabilities is $5.01 billion

    Long term liabilities

    $4.51B
    VEL annual total long term liabilities is $4.51 billion

    Current liabilities

    $495.90M
    VEL annual total current liabilities is $495.90 million

    Accounts payable

    $147.81M
    VEL annual accounts payable is $147.81 million

    Debt

    Total debt

    $4.86B
    VEL annual total debt is $4.86 billion

    Total debt 1-year change

    +26.48%
    VEL annual total debt is up +26.48% year-on-year

    Long term debt

    $4.51B
    VEL annual long term debt is $4.51 billion

    Short term debt

    $348.08M
    VEL annual short term debt is $348.08 million

    Equity & Capital

    Shareholders equity

    $516.94M
    VEL annual stockholders equity is $516.94 million

    Book value

    $516.94M
    VEL annual book value is $516.94 million

    Retained earnings

    $197.32M
    VEL annual retained earnings is $197.32 million

    Working capital

    -$283.55M
    VEL annual working capital is -$283.55 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $37.76M
    VEL annual cash flow from operations is $37.76 million

    Cash from operations 1-year change

    -22.69%
    VEL annual cash flow from operations is down -22.69% year-on-year

    Cash from investing

    -$1.05B
    VEL annual cash flow from investing activities is -$1.05 billion

    Cash from investing 1-year change

    -78.73%
    VEL annual cash flow from investing activities is down -78.73% year-on-year

    Cash from financing

    $1.02B
    VEL annual cash flow from financing activities is $1.02 billion

    Cash from financing 1-year change

    +89.68%
    VEL annual cash flow from financing activities is up +89.68% year-on-year

    CAPEX

    CAPEX

    $5.05M
    VEL annual capital expenditures is $5.05 million

    CAPEX 1-year change

    +2704.44%
    VEL annual capital expenditures is up +2704.44% year-on-year

    Free Cash Flow

    Free cash flow

    $32.71M
    VEL annual free cash flow is $32.71 million

    Free cash flow 1-year change

    -32.78%
    VEL annual free cash flow is down -32.78% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    VEL annual gross profit margin value is unknown

    Operating margin

    -
    VEL annual operating profit margin value is unknown

    Net margin

    32.31%
    VEL annual net profit margin is 32.31%

    ROA & ROE

    ROA

    1.38%
    VEL annual return on assets is 1.38%

    ROE

    14.30%
    VEL annual return on equity is 14.30%

    Valuation

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    PE Ratio

    PE ratio

    9.30
    VEL price to earnings ratio is 9.30

    PE ratio Sector rank

    10.34%
    VEL price to earnings ratio is higher than 10.34% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.17
    VEL price to book ratio is 1.17

    PB ratio Sector rank

    46.53%
    VEL price to book ratio is higher than 46.53% of companies in Financial Services sector

    PS Ratio

    PS ratio

    2.94
    VEL price to sales ratio is 2.94

    PS ratio Sector rank

    45.23%
    VEL price to sales ratio is higher than 45.23% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $5.86B
    VEL enterprise value is $5.86 billion

    Enterprise value Sector rank

    78.22%
    VEL enterprise value is higher than 78.22% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    14.89
    VEL EV/EBITDA is 14.89

    EV/EBITDA Sector rank

    87.11%
    VEL EV/EBITDA is higher than 87.11% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    0.43
    VEL annual current ratio is 0.43

    Quick ratio

    -
    VEL annual quick ratio value is unknown

    Leverage

    Debt to equity

    9.40
    VEL annual debt to equity ratio is 9.40

    Interest coverage ratio

    -
    VEL annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    VEL piotroski f-score value is unknown

    Altman Z-Score

    0.33
    VEL altman z-score is 0.33

    Analyst ratings

    Recent major analysts updates

    Jun 10, 25 JMP Securities
    Market Outperform
    Mar 7, 25 Citizens Capital Markets
    Market Outperform
    Nov 12, 24 BTIG
    Buy
    Sep 20, 24 Wells Fargo
    Underweight
    Sep 16, 24 JMP Securities
    Market Outperform
    Aug 2, 24 JMP Securities
    Market Outperform
    Aug 2, 24 BTIG
    Buy
    May 30, 24 Raymond James
    Outperform
    Apr 30, 24 JMP Securities
    Market Outperform
    Mar 15, 24 Raymond James
    Outperform

    Institutional Ownership

    Screeners with VEL included

    Growing Shares Outstanding
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    Ex Dividend dates calendar
    Small cap stocks
    • What is the ticker symbol for Velocity Financial, Inc.?
    • Does Velocity Financial, Inc. pay dividends?
    • What sector is Velocity Financial, Inc. in?
    • What industry is Velocity Financial, Inc. in?
    • What country is Velocity Financial, Inc. based in?
    • When did Velocity Financial, Inc. go public?
    • Is Velocity Financial, Inc. in the S&P 500?
    • Is Velocity Financial, Inc. in the NASDAQ 100?
    • Is Velocity Financial, Inc. in the Dow Jones?
    • When was Velocity Financial, Inc.'s last earnings report?
    • When does Velocity Financial, Inc. report earnings?

    What is the ticker symbol for Velocity Financial, Inc.?

    The ticker symbol for Velocity Financial, Inc. is NYSE:VEL

    Does Velocity Financial, Inc. pay dividends?

    No, Velocity Financial, Inc. does not pay dividends

    What sector is Velocity Financial, Inc. in?

    Velocity Financial, Inc. is in the Financial Services sector

    What industry is Velocity Financial, Inc. in?

    Velocity Financial, Inc. is in the Mortgage Finance industry

    What country is Velocity Financial, Inc. based in?

    Velocity Financial, Inc. is headquartered in United States

    When did Velocity Financial, Inc. go public?

    Velocity Financial, Inc.'s initial public offering (IPO) was on January 17, 2020

    Is Velocity Financial, Inc. in the S&P 500?

    No, Velocity Financial, Inc. is not included in the S&P 500 index

    Is Velocity Financial, Inc. in the NASDAQ 100?

    No, Velocity Financial, Inc. is not included in the NASDAQ 100 index

    Is Velocity Financial, Inc. in the Dow Jones?

    No, Velocity Financial, Inc. is not included in the Dow Jones index

    When was Velocity Financial, Inc.'s last earnings report?

    Velocity Financial, Inc.'s most recent earnings report was on May 1, 2025

    When does Velocity Financial, Inc. report earnings?

    The next expected earnings date for Velocity Financial, Inc. is August 1, 2025
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