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VELOCITY FINANCIAL INC

VELNYSE
🏆 #2853 by market capEarnings Oct 29US Equity
$944.80▼ $40.91 (−4.33%)
Simulated price
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🏦Market Cap
$591M
Small Cap
📈Revenue Growth (YoY)
+48.0%
High Growth
📊Gross Margin
78.9%
High
💵FCF Margin
3.2%
Moderate
⚖️P/S Ratio
0.8x
Cheap
Otter Score
84
Good
No chart data available for VEL.

Trading Snapshot

Day Range
$939.25 – $963.58
52-Week Range
$14.99 – $21.40
Volume
$3.62B
Avg Volume
$4.03B
Shares Outstanding
39.3M
Next Earnings
Oct 24, 2026

Fundamentals Snapshot

Annual Revenue
$714M
Last Q Revenue
$179M
P/E Ratio
5.4
P/S Ratio
0.8x
EPS (TTM)
$2.78
Dividend Yield
0.00%
Dilution (1yr)
+5.8%

Why Investors Own VEL

  • ✓High-growth profile — revenue up +15.5% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 56% gross margin and 30% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

VEL logo

VELOCITY FINANCIAL INC

VEL
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$714M▲ +48.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
95.3%▲ +118.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$511M▲ +430.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$18M▼ −52.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
38.2M▲ +5.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$6.4B▼ −$1.6B YoY
StockOtter · stockotter.space

About VELOCITY FINANCIAL INC

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
84/100

Analyst Price Target

ⓘ
Average Target
$1,187.73
▲ +25.7% Upside
High Target$1,446.41
Low Target$1,040.88
Based on 19 analysts

Latest News & Updates

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Bloomberg·2h ago

VELOCITY FINANCIAL INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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MarketWatch·5h ago

Analysts lift VEL price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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CNBC·1d ago

VELOCITY FINANCIAL INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.