Velocity Financial (VEL) Stock Price, News & Analysis

Company Overview

Velocity Financial, Inc. is a specialty residential real estate finance company that provides financing to real estate investors and owners of non-owner-occupied residential properties. Through its operating platform, Velocity Mortgage Capital, the company originates and services loans secured by single- to four-unit residential rental properties.

Its products are designed for borrowers who may not fit traditional residential mortgage underwriting standards. The company’s offerings have included rental-property loans, bridge financing and other investor-focused mortgage products, with underwriting generally emphasizing the income-producing potential of the property as well as the borrower’s experience and financial profile.

Velocity Financial was founded in 2004 and completed its initial public offering in 2020. The company serves real estate investors across the United States through a nationwide lending platform and focuses primarily on the growing market for professionally managed and independently owned residential rental properties.

Key Stats

• Today's Range: $16.11 to $16.83
• 50-Day Range: $16.63 to $18.48
• 52-Week Range: $16.10 to $21.40
• Volume: 137,321 shs
• Average Volume: 107,842 shs
• Market Capitalization: $638.19 million
• P/E Ratio: 5.88
• 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 533rd out of 851 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 31.1% upside from its current price of $16.41.

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 5.97, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of Velocity Financial is 5.97, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.32.

Price to Book Value per Share Ratio

Velocity Financial has a P/B Ratio of 0.94. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.12% 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 14.03, which indicates bearish sentiment.

Change versus previous month

Short interest in Velocity Financial has recently decreased by 0.87%, indicating that investor sentiment is improving.

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: 1.1 / 5
• News Sentiment: N/A

News Sentiment

Velocity Financial has a news sentiment score of -0.18. 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 0.82 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Velocity Financial this week, compared to 1 article on an average week.

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 $350,881.00 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: 9/17/2026
• Next Earnings (Estimated): 11/05/2026
• 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: +33.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.40
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.75
• Trailing P/E Ratio: 5.88
• 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: 3.44
• Cash Flow: $2.99 per share
• Price / Cash Flow: 5.40
• Book Value: $17.37 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 39,480,000
• Free Float: 37,625,000
• Market Cap: $638.19 million
• Optionable: Optionable
• Beta: 0.70