Velocity Financial (VEL) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $17.44 to $18.00
• 50-Day Range: $16.95 to $19.91
• 52-Week Range: $16.19 to $21.40
• Volume: 17,095 shs
• Average Volume: 108,427 shs
• Market Capitalization: $690.03 million
• P/E Ratio: 6.28
• Dividend Yield: N/A
• Price Target: $23.25
• Consensus Rating: Moderate Buy

Velocity Financial Stock Analysis - MarketRank™

Velocity Financial scored higher than 70% of companies evaluated by MarketBeat, and ranked 457th out of 882 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: 4.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Velocity Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on no strong buy ratings, 3 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Velocity Financial has a consensus price target of $23.25, representing about 31.2% upside from its current price of $17.72.

Amount of Analyst Coverage

Velocity Financial has only been the subject of 4 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 6.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.18.

Price to Earnings Ratio vs. Sector

The P/E ratio of Velocity Financial is 6.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.02.

Price to Book Value per Share Ratio

Velocity Financial has a P/B Ratio of 1.00. 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

2.93% 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 11.52, which indicates bearish sentiment.

Change versus previous month

Short interest in Velocity Financial has recently increased by 9.32%, indicating that investor sentiment is decreasing significantly.

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 $223,484.00 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: 5/06/2026
• Today: 5/29/2026
• Next Earnings (Estimated): 8/06/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MTG&REL SVS
• Sub-Industry: Banking
• Current Symbol: NYSE:VEL
• CIK: 1692376
• Web: www.velfinance.com
• Phone: 818-532-3700
• Fax: N/A
• Employees: 220
• Year Founded: 2004

Price Target and Rating

• Average Price Target for Velocity Financial: $23.25
• High Price Target: $23.50
• Low Price Target: $23.00
• Potential Upside/Downside: +32.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.80
• Trailing P/E Ratio: 6.28
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $105.05 million
• Net Margins: 56.47%
• Pretax Margin: 78.16%
• Return on Equity: 18.01%
• Return on Assets: 1.66%

Debt

• Debt-to-Equity Ratio: 9.51
• Current Ratio: 43.60
• Quick Ratio: 43.60

Sales & Book Value

• Annual Sales: $185.78 million
• Price / Sales: 3.71
• Cash Flow: $3.20 per share
• Price / Cash Flow: 5.50
• Book Value: $17.74 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 39,260,000
• Free Float: 37,410,000
• Market Cap: $690.03 million
• Optionable: Optionable
• Beta: 0.76