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VEL stock logo

VEL

Velocity Financial, Inc.

$18.24
0.22
 (1.22%)
Exchange:  NYSE
Market Cap:  715.652M
Shares Outstanding:  20.087M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Mortgages
   
CEO:  Christopher D. Farrar
Full Time Employees:  309
Address: 
30699 Russell Ranch Road
Westlake Village
CA
91362
US
Website:  https://www.velfinance.com
Velocity Financial, Inc. operates as a real estate finance company in the United States. It primarily originates and manages investor loans secured by 1–4 unit residential rental and small commercial properties. The company offers its products through a network of independent mortgage brokers. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/02 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue131,718482,776714,448
Gross Profit131,718210,564681,039
EBITDA098,391511,288
Operating Income76,84896,391511,288
Net Income52,27368,419105,054

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,404,5735,527,4087,381,513
Total Liabilities3,967,7005,007,1936,705,825
Total Stockholders Equity433,444516,944672,535
Total Debt3,842,0664,859,3790
Cash and Cash Equivalents40,56649,90192,103

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Cash Flow Statement

Year202320242025
Operating Cash Flow48,83537,75518,161
Capital Expenditure-180-289-281
Free Cash Flow48,65537,46617,880
Net Income52,29368,466104,983
Net Change in Cash-1298,903178,407

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)306,791.984Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)313,114.015Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)309,953Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)82,226.714Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)83,921.151Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)83,073.932Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)114,898.984Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)117,986.821Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)116,442.903Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)51,695.657Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)52,760.944Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)52,228.301Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.050Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.090Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.010Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
451.013M  ?P/S
 (TTM)
: 
1.2
?Net Income
 (TTM)
: 
67.585M  ?P/E
 (TTM)
: 
7.01
?Enterprise Value
 (TTM)
: 
7.226B  ?EV/FCF
 (TTM)
: 
406.83
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.17  ?ROIC
 (TTM)
: 
2.1
?Net Debt
 (TTM)
: 
4.791B  ?Debt/Equity
 (TTM)
: 
9.72
?P/B
 (TTM)
: 
1.09  ?Current Ratio
 (TTM)
: 
0.46

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
6.58Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates VEL intrinsic value between $15.42 – $21.20 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate VEL Intrinsic Value

Common questions about VEL valuation

Is Velocity Financial, Inc. (VEL) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Velocity Financial, Inc. (VEL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is VEL a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether VEL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is VEL’s P/E ratio?

You can see VEL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for VEL?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is VEL a good long-term investment?

Whether VEL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

VEL

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.22
MARKETSnap

Trading Metrics:

Open: 17.86   Previous Close: 18.02
Day Low: 17.65   Day High: 18.32
Year Low: 16.12   Year High: 21.4
Price Avg 50: 18.84   Price Avg 200: 18.63
Volume: 120398   Average Volume: 118049

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See in Nexus

Relevant news

Velocity Financial, Inc. (VEL) Q4 2025 Earnings Call Transcript
11-03-2026 20:52
Velocity Financial, Inc. (VEL) Q4 2025 Earnings Call Transcript
Velocity Financial, Inc. Reports Fourth Quarter and Full-Year 2025 Results
11-03-2026 16:15
Velocity Financial, Inc. Reports Fourth Quarter and Full-Year 2025 Results
Velocity Financial, Inc. Announces Closing of Offering of $500 Million of Senior Notes Due 2031
30-01-2026 16:05
Velocity Financial, Inc. Announces Closing of Offering of $500 Million of Senior Notes Due 2031
Velocity Financial, Inc. Announces Pricing of $500 Million of Senior Notes Due 2031
28-01-2026 16:29
Velocity Financial, Inc. Announces Pricing of $500 Million of Senior Notes Due 2031
Velocity Financial, Inc. Announces Proposed Offering of $500 Million of Senior Notes Due 2031
26-01-2026 08:31
Velocity Financial, Inc. Announces Proposed Offering of $500 Million of Senior Notes Due 2031
Velocity Financial, Inc. Announces Preliminary Expected Fourth Quarter and Full-Year 2025 Results
26-01-2026 08:30
Velocity Financial, Inc. Announces Preliminary Expected Fourth Quarter and Full-Year 2025 Results

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