Velocity Financial (VEL) Stock Price, News & Analysis

Company Overview

Velocity Financial, Inc. is a residential real estate finance company that originates and acquires loans secured by investment properties. Through its operating subsidiaries, including Velocity Mortgage Capital, the company provides financing primarily to real estate investors and other borrowers seeking business-purpose mortgage loans.

Its products generally include loans for the purchase, refinance, renovation and ownership of residential rental properties, including single-family homes and small residential properties with up to four units. Velocity’s lending platform is designed to serve borrowers who may not fit traditional agency mortgage guidelines, with an emphasis on evaluating the property’s income potential and the borrower’s investment objectives.

Velocity Financial serves customers across the United States through a nationwide lending platform and works with real estate investors, brokers and other lending partners. The company was founded in 2004 and is headquartered in Westlake Village, California. Chris Farrar serves as president and chief executive officer.

Key Stats

• Today's Range: $14.37 to $14.82
• 50-Day Range: $14.56 to $18.48
• 52-Week Range: $14.18 to $21.40
• Volume: 217,116 shs
• Average Volume: 202,799 shs
• Market Capitalization: $574.63 million
• P/E Ratio: 5.29
• Dividend Yield: N/A
• Price Target: $21.50
• Consensus Rating: Hold

Velocity Financial Stock Analysis - MarketRank™

Velocity Financial scored higher than 59% of companies evaluated by MarketBeat, and ranked 536th out of 839 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.6 / 5
• Analyst Rating: Hold

Consensus Rating

Velocity Financial has received a consensus rating of Hold. The company's average rating score is 2.40, and is based on no strong buy ratings, 3 buy ratings, 1 hold rating, and 1 sell rating.

Upside Potential

Velocity Financial has a consensus price target of $21.50, representing about 47.7% upside from its current price of $14.56.

Amount of Analyst Coverage

Velocity Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Velocity Financial is 5.29, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Velocity Financial is 5.29, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.40.

Price to Book Value per Share Ratio

Velocity Financial has a P/B Ratio of 0.84. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.14% of the float of Velocity Financial has been sold short.

Short Interest Ratio / Days to Cover

Velocity Financial has a short interest ratio ("days to cover") of 12.98, which indicates bearish sentiment.

Change versus previous month

Short interest in Velocity Financial has recently increased by 0.62%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Velocity Financial does not currently pay a dividend.

Dividend Growth

Velocity Financial does not have a long track record of dividend growth.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.6 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In 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 $292,745.00 in company stock.

Percentage Held by Insiders

4.70% of the stock of Velocity Financial is held by insiders.

Percentage Held by Institutions

97.49% of the stock of Velocity Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/05/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 10/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Financial Services
• Sub-Industry: Commercial & Residential Mortgage Finance
• Current Symbol: NYSE:VEL
• CIK: 1692376
• Web: www.velfinance.com
• Phone: 818-532-3700
• Fax: N/A
• Employees: 371
• Year Founded: 2004

Price Target and Rating

• Average Price Target for Velocity Financial: $21.50
• High Price Target: $23.50
• Low Price Target: $19.00
• Potential Upside/Downside: +47.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.40
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.75
• Trailing P/E Ratio: 5.29
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $105.05 million
• Net Margins: 55.66%
• Pretax Margin: 78.32%
• Return on Equity: 16.86%
• Return on Assets: 1.54%

Debt

• Debt-to-Equity Ratio: 9.29
• Current Ratio: 42.53
• Quick Ratio: 42.53

Sales & Book Value

• Annual Sales: $185.78 million
• Price / Sales: 3.09
• Cash Flow: $3.16 per share
• Price / Cash Flow: 4.61
• Book Value: $17.37 per share
• Price / Book: 0.84

Miscellaneous

• Outstanding Shares: 39,480,000
• Free Float: 37,625,000
• Market Cap: $574.63 million
• Optionable: Optionable
• Beta: 0.75