Velocity Financial/$VEL
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Velocity Financial
Velocity Financial Inc is a United States-based real estate finance company. Company operates in a large fragmented market with substantial demand for financing and limited supply of institutional financing alternative The company originates and manages investor loans secured by residential rental and small commercial properties. The company earns revenue in the form of interest income. It operates in New York, California, Florida, New Jersey, and other states.
- Ticker
- $VEL
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 368
- Headquarters
- Westlake Village, United States
- Website
- www.velfinance.com
VEL Metrics
BasicAdvanced
$696M
6.37
$2.77
0.77
-
Price and volume
Market cap
$696M
Beta
0.77
52-week high
$21.40
52-week low
$14.18
Average daily volume
188K
Financial strength
Current ratio
14.588
Quick ratio
14.588
Long term debt to equity
8.919
Total debt to equity
9.642
Profitability
Gross margin (TTM)
81.99%
Net profit margin (TTM)
28.59%
Operating margin (TTM)
40.61%
Effective tax rate (TTM)
28.77%
Revenue per employee (TTM)
$1,030,000
Management effectiveness
Return on assets (TTM)
1.45%
Return on equity (TTM)
15.77%
Valuation
Price to earnings (TTM)
6.37
Price to revenue (TTM)
1.791
Price to book
0.91
Price to tangible book (TTM)
0.91
Growth
Revenue change (TTM)
65.80%
Earnings per share change (TTM)
13.90%
3-year revenue growth (CAGR)
41.33%
3-year earnings per share growth (CAGR)
29.77%
What the Analysts think about VEL
Analyst ratings (Buy, Hold, Sell) for Velocity Financial stock.
Analyst projections of the future price of Velocity Financial stock.
Bulls say / Bears say
Core net income rose 11.5% year on year to $30.0 million in Q3 and core diluted EPS increased to $0.76 from $0.69. Portfolio net interest margin widened to 3.78% from 3.65%, supporting stronger earnings and spreads. (Business Wire)
Q3 loan production rose 23.3% year on year to $911.3 million and the loan portfolio grew 18.8% to $7.5 billion. That shows strong demand and continued scope to expand the earning asset base. (Business Wire)
The planned Toorak deal could lift origination scale by 76%, expand servicing by 39% and add more fee-based revenue. Velocity expects it to add to GAAP earnings in 2027, although closing remains subject to conditions. (Velocity Financial)
Nonperforming loans rose 23.2% year on year to $756.5 million, faster than the portfolio, lifting their share of loans to 10.1% from 9.8%. Losses on existing real estate-owned assets also widened to $8.8 million from $6.2 million, pointing to greater credit workout pressure. (Business Wire)
Total debt-to-equity was 9.6x at quarter-end, while available liquidity was $193.4 million. Although much of the debt is non-recourse, the high leverage makes access to securitisation and warehouse funding important to sustaining growth. (The Motley Fool)
Operating expenses rose 26.7% year on year to $63.9 million, faster than net revenue growth of 19.1% and net income growth of 4.1%. Continued increases in staffing, servicing and deal-related costs could limit how much loan growth converts into profit. (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 6 Nov 2026.
VEL Financial Performance
Revenues and expenses
VEL Earnings Performance
Company profitability
Upcoming events
No upcoming events
VEL News
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Funds containing VEL
Fund name | Fund size | $VEL weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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