NYSE:VEL Velocity Financial (VEL) Stock Price, News & Analysis $17.62 +1.29 (+7.90%) Closing price 08/8/2025 03:59 PM EasternExtended Trading$17.62 0.00 (0.00%) As of 08/8/2025 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Velocity Financial Stock (NYSE:VEL) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Velocity Financial alerts:Sign Up Key Stats Today's Range$16.93▼$17.9950-Day Range$16.33▼$19.2052-Week Range$16.12▼$20.98Volume172,936 shsAverage Volume71,301 shsMarket Capitalization$642.95 millionP/E Ratio7.97Dividend YieldN/APrice Target$21.33Consensus RatingHold Company Overview Velocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by first mortgage liens on income-producing and/or owner/user commercial properties, including investor 1-4, a non-owner occupied residential rental properties with 1-4 units; residential apartments combined with office or retail space; and multi-family comprising traditional apartment buildings, condominiums, and other residential properties with 5+ units. The company also finances for retail properties with various types of retail products and merchandise or services; commercial properties occupied by professional or business offices; and warehouse and other properties, which include self-storage units, auto services, hospitality, light industrial, and other commercial enterprises, as well as provides short-term and interest-only loans for acquisition and improvement of 1-4-unit residential properties. It offers its products through a network of independent mortgage brokers for independent real estate investors and small business owners. The company was founded in 2004 and is headquartered in Westlake Village, California. Read More Velocity Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks47th Percentile Overall ScoreVEL MarketRank™: Velocity Financial scored higher than 47% of companies evaluated by MarketBeat, and ranked 593rd out of 922 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.2 / 5Analyst RatingHold Consensus RatingVelocity Financial has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 2 buy ratings, no hold ratings, and 1 sell rating.Amount of Analyst CoverageVelocity Financial has only been the subject of 1 research reports in the past 90 days.Read more about Velocity Financial's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth3.68% Earnings GrowthEarnings for Velocity Financial are expected to grow by 3.68% in the coming year, from $1.90 to $1.97 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Velocity Financial is 7.97, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.88.Price to Earnings Ratio vs. SectorThe P/E ratio of Velocity Financial is 7.97, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.63.Price to Book Value per Share RatioVelocity Financial has a P/B Ratio of 1.12. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.13% of the outstanding shares of Velocity Financial have been sold short.Short Interest Ratio / Days to CoverVelocity Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Velocity Financial has recently increased by 306.71%, indicating that investor sentiment is decreasing significantly. Dividend0.0 / 5Dividend StrengthN/A Dividend YieldVelocity Financial does not currently pay a dividend.Dividend GrowthVelocity Financial does not have a long track record of dividend growth. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted1.13% of the outstanding shares of Velocity Financial have been sold short.Short Interest Ratio / Days to CoverVelocity Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Velocity Financial has recently increased by 306.71%, indicating that investor sentiment is decreasing significantly. News and Social Media1.9 / 5News Sentiment0.47 News SentimentVelocity Financial has a news sentiment score of 0.47. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Velocity Financial this week, compared to 1 article on an average week. Company Ownership2.5 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Velocity Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $28,988.00 in company stock.Percentage Held by InsidersOnly 4.60% of the stock of Velocity Financial is held by insiders.Percentage Held by Institutions97.49% of the stock of Velocity Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Velocity Financial's insider trading history. Receive VEL Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Velocity Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address VEL Stock News HeadlinesVelocity Financial, Inc. Reports Second Quarter 2025 ResultsAugust 8 at 9:25 AM | finance.yahoo.comVelocity Trader Exposes Wall Street’s Hidden Friday Price Strategy Used to Trigger Short-Term Market WinsAugust 4, 2025 | finance.yahoo.comA new rule goes live in July — and the banks are quietly crushing itA little-known regulation quietly goes into effect this July. And it's already being exploited by Wall Street and the Big Banks… It gives them the green light to treat a certain tangible asset as equivalent to cold, hard cash. Not stocks. Not real estate. And definitely not the U.S. dollar. We're talking about something they don't want you to notice — because the fewer people who act on this, the better it is for them. | American Alternative (Ad)Hanwha Life enters US capital markets with Velocity dealJuly 31, 2025 | msn.comIs Now The Time To Put Velocity Financial (NYSE:VEL) On Your Watchlist?July 30, 2025 | finance.yahoo.comVelocity Financial, Inc. Announces Date of Second Quarter 2025 Financial Results Webcast and Conference CallJuly 22, 2025 | businesswire.comVelocity Clinical Research Partners with Palantir to Solve Clinical Trials’ Payment HeadacheJuly 17, 2025 | finance.yahoo.comLeaseLock Surpasses $14 Billion in Leases Insured as Renters Nationwide opt for Deposit-Free LivingJuly 8, 2025 | finance.yahoo.comSee More Headlines VEL Stock Analysis - Frequently Asked Questions How have VEL shares performed this year? Velocity Financial's stock was trading at $19.56 on January 1st, 2025. Since then, VEL shares have decreased by 9.9% and is now trading at $17.62. How were Velocity Financial's earnings last quarter? Velocity Financial, Inc. (NYSE:VEL) released its quarterly earnings results on Thursday, August, 7th. The company reported $0.73 EPS for the quarter, topping analysts' consensus estimates of $0.53 by $0.20. The company earned $85.84 million during the quarter, compared to the consensus estimate of $39.87 million. Velocity Financial had a trailing twelve-month return on equity of 16.47% and a net margin of 51.11%. Read the conference call transcript. When did Velocity Financial IPO? Velocity Financial (VEL) raised $110 million in an initial public offering on Friday, January 17th 2020. The company issued 7,300,000 shares at $14.00-$16.00 per share. Wells Fargo Securities, Citigroup and JMP Securities served as the underwriters for the IPO and Raymond James was co-manager. Who are Velocity Financial's major shareholders? Velocity Financial's top institutional shareholders include Allianz Asset Management GmbH (34.63%), Beach Point Capital Management LP (14.53%), Geode Capital Management LLC (0.72%) and Simplex Trading LLC. View institutional ownership trends. How do I buy shares of Velocity Financial? Shares of VEL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Velocity Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that Velocity Financial investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Broadcom (AVGO), Palo Alto Networks (PANW) and Invesco QQQ (QQQ). Company Calendar Last Earnings8/07/2025Today8/08/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MTG&REL SVS Sub-IndustryBanking Current SymbolNYSE:VEL CIK1692376 Webwww.velfinance.com Phone818-532-3700FaxN/AEmployees220Year FoundedN/APrice Target and Rating Average Price Target for Velocity Financial$21.33 High Price Target$23.00 Low Price Target$20.00 Potential Upside/Downside+21.1%Consensus RatingHold Rating Score (0-4)2.33 Research Coverage3 Analysts Profitability EPS (Trailing Twelve Months)$1.94 Trailing P/E Ratio7.97 Forward P/E Ratio9.27 P/E GrowthN/ANet Income$68.42 million Net Margins51.11% Pretax Margin69.56% Return on Equity16.47% Return on Assets1.55% Debt Debt-to-Equity Ratio8.27 Current Ratio38.67 Quick Ratio38.67 Sales & Book Value Annual Sales$135.80 million Price / Sales4.73 Cash Flow$2.84 per share Price / Cash Flow6.21 Book Value$15.71 per share Price / Book1.12Miscellaneous Outstanding Shares36,490,000Free Float34,813,000Market Cap$642.95 million OptionableOptionable Beta1.26 Social Links Elon Musk's Next MoveExplore Elon Musk’s boldest ventures yet—from AI and autonomy to space colonization—and find out how investors can ride the next wave of innovation.Get This Free Report This page (NYSE:VEL) was last updated on 8/9/2025 by MarketBeat.com Staff From Our PartnersYour blueprint for crypto wealthMark August 12th on your calendar. 27 of crypto's most successful minds are about to reveal everything…Crypto 101 Media | SponsoredHIDDEN IN THE BOOK OF GENESIS…“This land I will give to you…” — a 4,000-year-old line from Genesis may hold the key to unlocking a $150 tril...Paradigm Press | SponsoredMan Who Called Nvidia at $1.10 Says Buy This Now...In 2004, one man called Nvidia before just about anyone knew it existed. 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