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Velocity Financial(NYSE) VEL

Market Cap$711.06MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2020)+35%
5 Year+39%
1 Year-4%
1 Month+5%
$17.99
-1.37%
-0.25Today
Velocity Financial last closing stock price
MetricPriceDate
Last closeUSD 18.012026-08-12
Velocity Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.92%USD 17.672026-08-05
1 month+4.71%USD 17.202026-07-13
3 month+4.1%USD 17.302026-05-14
Year to date-13.25%USD 20.762025-12-31
1 year-4.41%USD 18.842025-08-12
3 year+32.23%USD 13.622023-08-11
5 year+39.18%USD 12.942021-08-13
Since inception+35.01%USD 13.512020-01-17

Velocity Financial Financials at a Glance

Market Cap

$711.06MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$701.29M

Net Income (TTM)

$107.70M

EPS (TTM)

$2.71

P/E Ratio

6.64

Dividend

$0.00

Beta (Volatility)

0.66 (Low)

Price

$17.99

Volume

118,967.583

Open

$18.13

Previous Close

$18.01

Daily Range

$17.95 - $18.22

52-Week Range

$16.65 - $21.40

Estimated Earnings Date

Oct 29, 2026

VEL News

No articles available.

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About Velocity Financial

Velocity Financial offers loans for residential rentals and small commercial properties. It serves real estate investors through independent mortgage brokers. The company focuses on niche markets in the U.S.

Products and Services

Investor Loans: Loans for 1-4 unit residential rental properties.

Commercial Loans: Loans for small commercial properties.

Growth and Expansion

Founded in 2004, headquartered in Westlake Village, California.

Went public on January 17, 2020.

Utilizes a network of independent mortgage brokers for distribution.

Unique Selling Points

Velocity Financial targets niche markets in real estate finance. Its broker network enhances customer reach and service efficiency.

Financial Snapshot

Stock price: $17.66 (as of latest data).

Market cap: $573.68 million.

Beta: 0.71, indicating lower volatility than the market.

Full-time employees: 309.

Industry: Financial - Mortgages.

Bottom Line

Velocity Financial focuses on niche real estate finance markets. Its strategic broker network supports growth and market presence.

AI Generated • Apr 16, 2026

Industry

Diversified Financial Services

Employees

371

CEO

Christopher D. Farrar

Headquarters

Westlake Village, CA 91361, US

VEL Financials

Key Financial Metrics (TTM)

Gross Margin

78.92%

Operating Margin

70.70%

Net Income Margin

15.36%

Return on Equity

15.83%

Return on Capital

7.09%

Return on Assets

1.35%

Earnings Yield

15.06%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$711.06MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

39.48M

Volume

118.97K

Avg. Volume

96.41K

Financials (TTM)

Gross Profit

$553.43M

Operating Income

$495.82M

EBITDA

$475.00M

Operating Cash Flow

$22.79M

Capital Expenditure

-$362.00K

Free Cash Flow

$22.43M

Cash & ST Invst.

$245.20M

Total Debt

$7.05B

Velocity Financial Performance Analysis

Velocity Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 253,541,00032.8%
20232023-12-31USD 338,547,00033.5%
20242024-12-31USD 451,013,00033.2%
20252025-12-31USD 626,494,00038.9%
Velocity Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.8%
Q42025-12-315.8%
Q12026-03-31-7.9%
Q22026-06-306.5%
Velocity Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.938.1%
20232023-12-31USD 1.4960.7%
20242024-12-31USD 1.8926.5%
20252025-12-31USD 2.7243.7%
Velocity Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-4.4%
Q42025-12-3138.5%
Q12026-03-31-37.8%
Q22026-06-3012.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$178.75M

+7.7%

Gross Profit

$157.73M

+106.3%

Gross Margin

88.24%

N/A

Market Cap

$711.06MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.93M

N/A

Employees

368

N/A

Net Income

$25.16M

-3.2%

EBITDA

$147.67M

+331.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$245.20M

+208.2%

Total Debt

$7.05B

+23.5%

Accounts Receivable

$53.11M

-71.5%

Inventory

$0.00

N/A

Long Term Debt

$6.74B

+25.3%

Short Term Debt

$311.68M

-5.9%

Return on Assets

1.35%

N/A

Return on Invested Capital

6.63%

N/A

Free Cash Flow

$3.69M

-51.4%

Operating Cash Flow

$3.79M

-50.6%

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Questions About VEL

What is the current price of Velocity Financial?

Velocity Financial is trading at $18.01 per share.

What is the 52-week range for Velocity Financial?

Over the past 52 weeks, Velocity Financial has traded between $16.65 and $21.40.

How much debt does Velocity Financial have?

As of the most recent reporting period, Velocity Financial reported total debt of $7.05B.

How much cash does Velocity Financial have on hand?

Velocity Financial reported $245.20M in cash and cash equivalents in its most recent financial results.

What is Velocity Financial’s dividend yield?

Velocity Financial does not currently have a dividend yield.

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