Velocity Financial (VEL) Stock Price

Velocity Financial Price

NYSE·CLOSED
17.64USD-0.20 (-1.16 %)
Market closed

Revenue has compounded at 34.9% per year over the past 11 years to 714.45 M USD. Earnings per share have grown at 47.4% per year over the last 8 years. Velocity Financial's net margin stands at 14.7%, down from 16.1% several years earlier. Analysts set a median price target of 22.44 USD, implying 27.2% above the current price. Of 7 analysts, 5 rate the stock a buy — an overall Buy consensus. The stock trades about 8% above its 52-week low.

Velocity Financial stock price

Volume
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Velocity Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Velocity Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Velocity Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Velocity Financial Stock Price History
DateVelocity Financial Price
8/5/202617.64 USD
8/4/202617.84 USD
8/3/202617.64 USD
7/31/202617.54 USD
7/30/202617.51 USD
7/29/202617.73 USD
7/27/202617.73 USD
7/23/202617.15 USD
7/22/202617.23 USD
7/21/202617.18 USD
7/20/202617.23 USD
7/17/202617.50 USD
7/16/202617.72 USD
7/15/202617.25 USD
7/14/202617.41 USD
7/13/202617.34 USD
7/10/202617.27 USD
7/9/202617.60 USD
7/8/202617.70 USD
7/7/202617.79 USD
7/6/202618.58 USD
7/2/202618.57 USD
7/1/202618.64 USD
6/30/202618.46 USD
6/29/202618.12 USD
6/26/202618.22 USD
6/25/202617.75 USD
6/24/202617.73 USD
6/23/202617.66 USD
6/22/202617.43 USD
6/18/202617.55 USD
6/17/202617.64 USD
6/16/202617.84 USD
6/15/202617.76 USD
6/12/202617.42 USD
6/11/202617.37 USD
6/10/202617.53 USD
6/9/202617.47 USD
6/8/202617.19 USD
6/5/202617.44 USD
6/4/202617.34 USD
6/3/202617.10 USD
6/2/202617.30 USD
6/1/202617.40 USD
5/29/202617.63 USD
5/28/202617.42 USD
5/27/202617.35 USD
5/26/202617.30 USD
5/22/202617.47 USD
5/21/202617.13 USD
5/20/202617.47 USD
5/19/202617.22 USD
5/18/202617.15 USD
5/15/202616.97 USD
5/14/202617.30 USD
5/13/202617.36 USD
5/12/202617.40 USD
5/11/202617.16 USD
5/8/202618.24 USD
5/7/202618.29 USD
5/6/202619.57 USD
5/5/202619.33 USD
5/4/202619.13 USD
5/1/202619.42 USD
4/30/202619.29 USD
4/29/202619.16 USD
4/28/202619.81 USD
4/27/202619.51 USD
4/24/202619.47 USD
4/23/202619.39 USD
4/22/202619.33 USD
4/21/202619.39 USD
4/20/202619.94 USD
4/17/202619.90 USD
4/16/202619.14 USD
4/15/202619.56 USD
4/14/202619.51 USD
4/13/202619.47 USD
4/10/202619.14 USD
4/9/202618.92 USD
4/8/202618.66 USD
4/7/202618.21 USD
4/6/202618.47 USD
4/5/202618.47 USD
4/2/202618.24 USD
4/1/202618.24 USD
3/31/202618.02 USD
3/30/202618.09 USD
3/29/202618.02 USD
3/27/202617.81 USD
3/26/202617.81 USD
3/25/202617.60 USD
3/24/202617.68 USD
3/23/202617.36 USD
3/22/202617.55 USD
3/20/202617.26 USD
3/19/202617.26 USD
3/18/202617.42 USD
3/17/202617.24 USD
3/16/202617.72 USD
3/15/202617.23 USD
3/13/202617.41 USD
3/12/202617.41 USD
3/11/202617.79 USD
3/10/202618.26 USD
3/9/202618.16 USD
3/8/202617.90 USD
3/6/202617.99 USD
3/5/202618.22 USD
3/4/202618.33 USD
3/3/202618.34 USD
3/2/202618.49 USD
2/27/202618.59 USD
2/26/202618.79 USD
2/25/202618.76 USD
2/24/202618.61 USD
2/23/202618.66 USD
2/20/202619.02 USD
2/19/202619.21 USD
2/18/202619.68 USD
2/17/202619.90 USD
2/13/202619.76 USD
2/12/202619.75 USD
2/11/202619.64 USD
2/10/202620.15 USD
2/9/202620.28 USD
2/6/202620.49 USD
2/5/202620.61 USD
2/4/202620.52 USD
2/3/202620.28 USD
2/2/202620.50 USD
1/30/202620.29 USD
1/29/202620.40 USD
1/28/202620.22 USD
1/27/202620.15 USD
1/26/202620.41 USD
1/23/202619.39 USD
1/22/202619.65 USD
1/21/202619.53 USD
1/20/202619.15 USD
1/16/202619.45 USD
1/15/202619.60 USD
1/14/202619.21 USD
1/13/202618.70 USD
1/12/202618.87 USD
1/9/202618.62 USD
1/8/202618.35 USD
1/7/202618.17 USD
1/6/202618.62 USD
1/5/202618.90 USD
1/2/202619.54 USD
12/31/202520.76 USD
12/30/202519.49 USD
12/29/202519.34 USD
12/26/202519.52 USD
12/24/202519.55 USD
12/23/202519.48 USD
12/22/202519.40 USD
12/19/202519.53 USD
12/18/202519.70 USD
12/17/202519.53 USD
12/16/202519.66 USD
12/15/202519.64 USD
12/12/202519.59 USD
12/11/202519.60 USD
12/10/202519.66 USD
12/9/202519.01 USD
12/8/202518.81 USD
12/5/202518.85 USD
12/4/202518.97 USD
12/3/202519.33 USD
12/2/202519.40 USD
12/1/202519.46 USD
11/28/202519.33 USD
11/26/202519.42 USD
11/25/202518.92 USD
11/24/202518.40 USD
11/21/202518.35 USD
11/20/202518.43 USD
11/19/202518.32 USD
11/18/202518.30 USD
11/17/202518.25 USD
11/14/202518.36 USD
11/13/202518.39 USD
11/12/202518.38 USD
11/11/202518.60 USD
11/10/202518.44 USD
11/7/202518.91 USD
11/6/202518.74 USD
11/5/202518.81 USD
11/4/202518.80 USD
11/3/202518.74 USD
10/31/202518.62 USD
10/30/202518.38 USD
10/29/202518.27 USD
10/28/202518.62 USD
10/27/202518.70 USD
10/24/202518.74 USD
10/23/202518.47 USD
10/22/202518.41 USD
10/21/202518.05 USD
10/20/202518.03 USD
10/17/202517.96 USD
10/16/202518.10 USD
10/15/202518.04 USD
10/14/202518.22 USD
10/13/202518.13 USD
10/10/202518.18 USD
10/9/202518.12 USD
10/8/202518.13 USD
10/7/202518.05 USD
10/6/202518.01 USD
10/3/202518.02 USD
10/2/202518.01 USD
10/1/202518.22 USD
9/30/202518.14 USD
9/29/202518.24 USD
9/28/202518.24 USD
9/25/202518.49 USD
9/24/202518.67 USD
9/23/202518.97 USD
9/22/202518.42 USD
9/19/202518.48 USD
9/18/202518.44 USD
9/17/202518.29 USD
9/16/202518.14 USD
9/15/202518.58 USD
9/12/202518.73 USD
9/11/202518.98 USD
9/10/202518.66 USD
9/9/202518.67 USD
9/8/202519.10 USD
9/5/202519.14 USD
9/4/202518.89 USD
9/3/202518.91 USD
9/2/202518.98 USD
8/29/202519.08 USD
8/28/202519.07 USD
8/27/202519.05 USD
8/26/202519.08 USD
8/25/202518.99 USD
8/22/202519.20 USD
8/21/202518.79 USD
8/20/202519.01 USD
8/19/202519.00 USD
8/18/202518.83 USD
8/15/202518.99 USD
8/14/202518.99 USD
8/13/202518.95 USD
8/12/202518.84 USD
8/11/202517.90 USD
8/8/202517.59 USD
8/7/202516.33 USD
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Velocity Financial Revenue, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2021
181.31 M USD
29.22 M USD
Jan 1, 2022
248.38 M USD
32.21 M USD
Jan 1, 2023
131.72 M USD
52.27 M USD
Jan 1, 2024
482.78 M USD
68.42 M USD
Jan 1, 2025
714.45 M USD
105.05 M USD
Jan 1, 2026 (e)
270.22 M USD
105.38 M USD
Jan 1, 2027 (e)
302.39 M USD
116.68 M USD
Jan 1, 2028 (e)
282.31 M USD
128.37 M USD

Velocity Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 7, 2026, 4:42 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
2014201520162017201820192020202120222023202420252026e2027e2028e
26.0056.0075.0094.00121.00152.00165.00181.00248.00131.00482.00714.00270.00302.00282.00
–115.3833.9325.3328.7225.628.559.7037.02-47.18267.9448.13-62.1811.85-6.62
92.3194.6430.6735.1137.1934.8736.3641.4436.29100.0043.5795.3895.3895.3895.38
24.0053.0023.0033.0045.0053.0060.0075.0090.00131.00210.00681.00257.52288.04268.97
-6.007.006.0013.007.0017.0017.0029.0032.0052.0068.00105.00105.00116.00128.00
–-216.67-14.29116.67-46.15142.86–70.5910.3462.5030.7754.41–10.4810.34
38.1838.1838.18113.5911.7511.7532.7934.2634.0634.9936.1038.1838.1838.1838.18
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Velocity Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Velocity Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Velocity Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Velocity Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Velocity Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Velocity Financial stock margins

The Velocity Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Velocity Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Velocity Financial.

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Profit margin
Details
Date
Profit margin
Jan 1, 2021
16.12 %
Jan 1, 2022
12.97 %
Jan 1, 2023
39.69 %
Jan 1, 2024
14.17 %
Jan 1, 2025
14.70 %
Jan 1, 2026 (e)
39.00 %
Jan 1, 2027 (e)
38.58 %
Jan 1, 2028 (e)
45.47 %

Velocity Financial Revenue per Share, Earnings per Share

The Velocity Financial earnings per share therefore indicates how much revenue Velocity Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
5.29 USD
0.85 USD
Jan 1, 2022
7.29 USD
0.95 USD
Jan 1, 2023
3.76 USD
1.49 USD
Jan 1, 2024
13.37 USD
1.90 USD
Jan 1, 2025
18.71 USD
2.75 USD
Jan 1, 2026 (e)
6.95 USD
2.71 USD
Jan 1, 2027 (e)
7.77 USD
3.00 USD
Jan 1, 2028 (e)
7.26 USD
3.30 USD

Velocity Financial business model & stock analysis

Velocity Financial Inc. is a US financial services company that was founded in 2004 and is based in Westlake Village, California. The company specializes in providing financial solutions for investors in multifamily homes and apartments. History Velocity Financial was founded by Chris Farrar, an experienced financial manager. Originally, the company specialized in financing construction projects, but it later evolved and focused on loans for investors and owners of multifamily homes. Since then, the company has become a leading financing specialist and has taken on a large number of loan commitments. Business model Velocity Financial's business model is simple: it offers financial solutions for investors and owners of multifamily homes. The company provides quick access to liquid funds that can be used for real estate investments. The company has a range of loan offerings tailored to the needs of customers. Products Velocity Financial offers a wide range of products and services. The products include: 1. Fix-and-flip loans: These loans are specifically designed for investors who need quick money to buy a property, repair it, and sell it quickly. 2. Long-term financing: The company offers long-term loans that can be customized to the needs of customers. These loans are suitable for investors who want to own the property long-term. 3. Mezzanine financing: This offering is a type of financing often requested by customers who are about to sell the property to another company. Mezzanine financing is a type of interim financing that provides financial security to buyers and allows investors to acquire liquidity. 4. Lines of credit: Velocity Financial offers lines of credit that allow investors to access their resources faster and more efficiently. These lines of credit are suitable for seasonal investors who need to conduct their business quickly and efficiently. 5. Servicing: Velocity Financial is also able to offer a wide range of servicing services. Experienced specialists are able to create an individual solution for their customers and assist in the processing of loan agreements. Sectors Velocity Financial focuses on various sectors. These include: 1. Residential properties: This includes multifamily homes, apartment buildings, penthouses, and student dormitories. 2. Good assets: These are acquired through outstanding stakes in well-located properties. 3. Growing industries: Velocity Financial has also invested in emerging industries and achieved high returns. Summary Velocity Financial is a leading loan broker in the real estate industry. The company offers a wide range of financial products and services tailored to the needs of customers. The business model is simple and effective, providing investors and owners of multifamily homes with quick access to liquid funds. The company focuses on various sectors and has become one of the top financing providers in the industry.

Velocity Financial SWOT Analysis

Strengths

Velocity Financial Inc. possesses several strengths that contribute to its success and market position.

Velocity Financial Inc. has established a solid presence in the financial industry, allowing it to attract a large customer base and generate substantial revenues.

The company offers a wide range of financial products and services, including mortgages, loans, and investment options, providing customers with various options to meet their specific needs.

Velocity Financial Inc. is led by a highly skilled and knowledgeable management team with years of industry experience. This enables effective decision-making, strategic planning, and adaptability to market dynamics.

Weaknesses

Despite its strengths, Velocity Financial Inc. also faces certain weaknesses that pose challenges to its operations and growth.

The company's operations are concentrated in a specific region, limiting its potential to expand and tap into new markets. This reliance on a single market exposes the company to regional economic fluctuations and regulatory changes.

Velocity Financial Inc.'s profitability is highly sensitive to fluctuations in interest rates. Changes in interest rates can impact borrowing costs, customer demands, and the attractiveness of its products, posing a risk to its financial performance.

To finance its lending activities, Velocity Financial Inc. heavily relies on external funding sources, such as banks and capital markets. Any disruptions in these funding sources or unfavorable lending conditions could negatively impact the company's ability to attract funds and maintain its operations.

Opportunities

Despite its weaknesses, Velocity Financial Inc. can leverage specific opportunities to enhance its market position and profitability.

The increasing need for financial products and services presents an opportunity for Velocity Financial Inc. to expand its customer base and generate higher revenues.

By embracing technological innovations, such as digital banking platforms and advanced data analytics, Velocity Financial Inc. can enhance its operational efficiency, provide superior customer experiences, and gain a competitive edge in the market.

Collaborating with strategic partners, such as real estate agencies or financial technology companies, can open new avenues for Velocity Financial Inc. to diversify its offerings, expand its reach, and increase its market share.

Threats

Velocity Financial Inc. faces certain threats that could impede its growth and profitability if not properly addressed.

The financial industry is highly competitive, with numerous established players and new entrants. Velocity Financial Inc. needs to continually differentiate its products, provide superior customer service, and adapt to changing market trends to withstand competitive pressures.

Fluctuating economic conditions, such as recessions or economic downturns, can adversely impact Velocity Financial Inc.'s business. These uncertainties may reduce customer borrowing capacity or increase default rates, affecting the company's loan portfolio quality and financial performance.

The financial industry is subject to evolving regulations and compliance requirements. Changes in laws, regulations, or government policies can impose additional compliance costs on Velocity Financial Inc. or restrict its operations, hindering its growth potential.

Velocity Financial Employees

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Velocity Financial Employees
Details
Date
Velocity Financial Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Velocity Financial Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Velocity Financial historical P/E ratio, EBIT multiple, and P/S ratio

Velocity Financial annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Velocity Financial shares outstanding

The number of shares of Velocity Financial was 38.18 M in 2025. This indicates how many shares Velocity Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
34.26 M Stocks
Jan 1, 2022
34.06 M Stocks
Jan 1, 2023
34.99 M Stocks
Jan 1, 2024
36.10 M Stocks
Jan 1, 2025
38.18 M Stocks
Jan 1, 2026 (e)
38.18 M Stocks
Jan 1, 2027 (e)
38.18 M Stocks
Jan 1, 2028 (e)
38.18 M Stocks

Current Velocity Financial forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
71.43 % (5)
Hold
14.29 % (1)
Sell
14.29 % (1)
12M Price Target
22.44
Last Price
17.64
Currency
USD
12M Return Potential
27.25 %
LTM Return
0 %

Velocity Financial Analyst Rating Actions

DateFirmActionRatingReliability
6/17/2026
BTIG
BTIG
MaintainedBuy–
5/7/2026
Citizens
Citizens
MaintainedMarket Outperform–
3/17/2026
BTIG
BTIG
MaintainedBuy–
11/21/2025
BTIG
BTIG
MaintainedBuy–
11/7/2025
Citizens
Citizens
MaintainedMarket Outperform–
6/10/2025
JMP Securities
JMP Securities
MaintainedMarket Outperform–
3/7/2025
Citizens Capital Markets
Citizens Capital Markets
MaintainedMarket Outperform–
11/12/2024
BTIG
BTIG
MaintainedBuy–
9/20/2024
Wells Fargo
Wells Fargo
DowngradeOverweightUnderweight56
9/16/2024
JMP Securities
JMP Securities
MaintainedMarket Outperform–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Velocity Financial Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
8/5/20260.66USD--USD-2026 Q2
4/30/20260.65USD--USD-2026 Q1
3/11/20260.68USD--USD-2025 Q4
5/2/20240.39USD-43.53 MUSD-2024 Q1
3/7/20240.38USD-43.83 MUSD-2023 Q4
8/2/20230.32USD--USD-2023 Q2
5/3/20230.31USD--USD-2023 Q1
3/8/20230.29USD--USD-2022 Q4
11/3/20220.30USD-28.01 MUSD-2022 Q3
8/4/20220.29USD-27.71 MUSD-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the Velocity Financial stock

38/100
5
Environment
39
Social
70
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees38
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Velocity Financial shareholder structure

% Name
34.32674%
Snow Phipps Group, LLC
Snow Phipps Group, LLC
32.48783%
PIMCO (US)
PIMCO (US)
13.82378%
Beach Point Capital Management, LP
Beach Point Capital Management, LP
2.59047%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
1.74910%
Farrar (Christopher D.)
Farrar (Christopher D.)
1.53162%
BlackRock Financial Management, Inc.
BlackRock Financial Management, Inc.
...

Velocity Financial Beneficial Ownership Filings (SEC 13D/G)

Free Float
61.7%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
34.70%
SPG GP, LLC
SPG GP, LLC
SEC ↗
34.70%
Ian K. Snow
Ian K. Snow
SEC ↗
33.10%
Pacific Investment Management Company LLC
Pacific Investment Management Company LLC
SEC ↗
32.10%
Snow Phipps Group AIV, L.P.
Snow Phipps Group AIV, L.P.
SEC ↗
17.90%
Beach Point Capital Management LP
Beach Point Capital Management LP
SEC ↗
10.06%
Beach Point GP LLC ("Beach Point GP")
Beach Point GP LLC ("Beach Point GP")
SEC ↗
10.06%
Beach Point Capital Management LP ("Beach Point Capital")
Beach Point Capital Management LP ("Beach Point Capital")
SEC ↗
3.61%
Robert Atchinson
Robert Atchinson
SEC ↗
3.61%
Phillip Gross
Phillip Gross
SEC ↗
3.61%
Adage Capital Partners, L.P.
Adage Capital Partners, L.P.
SEC ↗

Velocity Financial Executives and Management Board

12 members · avg. age 55 · 17 % women

CF

Mr. Christopher Farrar (58)

Chief Executive Officer, Director · since 2004

5.37 M USD

Management

MS

Mr. Mark Szczepaniak (67)

Chief Financial Officer

2.35 M USD
JT

Mr. Jeffrey Taylor (57)

Executive Vice President - Capital Markets

2.00 M USD
RK

Mr. Roland Kelly (55)

General Counsel, Corporate Secretary, Chief Legal Officer

–

Board of Directors

JP

Mr. John Pitstick (50)

Independent Director

200,000.00 USD
JS

Ms. Joy Schaefer (64)

Lead Independent Director

190,000.00 USD
DB

Ms. Dorika Beckett

Independent Director

190,000.00 USD
AM

Mr. Alan Mantel

Non-Executive Independent Chairman of the Board

–
MC

Mr. Michael Chiao

Independent Director

–
OM

Mr. Omar Maasarani (39)

Independent Director

–

Frequently asked questions about Velocity Financial

The business model of Velocity Financial Inc. is focused on providing specialized investment services in the field of real estate finance. They primarily focus on originating and managing loans for residential and commercial properties, including small balance and single-family rental loans. Velocity Financial Inc. aims to create value for its investors by leveraging its expertise and industry knowledge to identify attractive investment opportunities in the real estate market. By offering tailored financing solutions, Velocity Financial Inc. aims to support the growth and profitability of its clients while providing competitive returns to its investors.

Velocity Financial Inc is primarily active in the mortgage industry.

The main competitors of Velocity Financial Inc in the market include industry leaders such as PennyMac Financial Services, Redwood Trust Inc, and New Residential Investment Corp. These companies operate within the mortgage finance sector and provide similar services as Velocity Financial Inc, including residential and commercial real estate loans. However, Velocity Financial Inc distinguishes itself through its niche focus on investor loans and its ability to offer customized financing solutions. By catering specifically to real estate investors, Velocity Financial Inc positions itself as a specialized player in the market, differentiating from its competitors.

Velocity Financial Inc is a leading provider of real estate financing solutions that have supported residential and commercial borrowers since its inception. Established in 2004, Velocity Financial Inc has built a strong reputation in the industry by delivering tailored financing options to individual investors, small businesses, and real estate professionals. With a commitment to exceptional service and extensive industry knowledge, Velocity Financial Inc has successfully facilitated numerous loan originations, empowering borrowers to achieve their financial goals. With a track record of success and a customer-centric approach, Velocity Financial Inc continues to be a trusted partner for real estate financing needs.

Velocity Financial Inc has achieved several significant milestones throughout its history. The company has successfully expanded its mortgage lending capabilities, providing tailored financing solutions to meet the diverse needs of its clients. Additionally, Velocity Financial Inc has established itself as a trusted leader in the industry, offering a wide range of loan programs and exceptional customer service. The company's commitment to innovation has resulted in the development of cutting-edge technology platforms that streamline the lending process and enhance overall efficiency. Through its constant growth and dedication to excellence, Velocity Financial Inc continues to solidify its position as a top provider of residential and commercial mortgage loans.

Velocity Financial Inc is primarily present in the United States.

Velocity Financial Inc is a company that values transparency, integrity, and innovation. Their corporate philosophy is centered around providing exceptional financial solutions to clients while building trusted relationships. Velocity Financial Inc strives to understand each client's unique needs and goals, tailoring their services to meet those requirements. This company prioritizes its clients' financial success and utilizes cutting-edge technology to deliver efficient and effective solutions. Furthermore, Velocity Financial Inc is dedicated to maintaining a high level of professionalism and ethics, ensuring that their clients' interests are always safeguarded.

Analysts currently set an average price target of 22.10 USD for the Velocity Financial stock (median: 22.44 USD), implying +25.3 % versus the latest price. The consensus is based on 7 analyst ratings.

Velocity Financial Analyst Price Targets 2026

7 analysts currently rate the Velocity Financial stock: 5 recommend buying, 1 holding and 1 selling. For 2026, analysts expect Velocity Financial to generate revenue of 270.22 M USD and earnings per share of 2.76 USD.

Velocity Financial Analyst Price Targets 2026

Converted at the current exchange rate, the Velocity Financial share trades at 15.30 EUR (17.64 USD).

The Velocity Financial share (VEL) is listed on 1 stock exchanges, including: NYSE (VEL).

Velocity Financial Inc is a US company specialized in providing financial services for real estate investors. The company focuses on various areas, including providing mortgages and loans for real estate investors, as well as offering special financing solutions for the purchase and renovation of properties. A key part of Velocity Financial's business model involves mortgages and loans that are tailored specifically to the needs of real estate investors. The company offers various options, including Fix-and-Flip loans and Cash-out refinances. Fix-and-Flip loans allow customers to quickly and easily obtain capital for purchasing and renovating properties, while Cash-out refinances offer the opportunity to generate free capital from existing properties. Additionally, Velocity Financial also offers a wide range of financing solutions that are tailored to the requirements of different customers. For example, there are special offers for real estate investors looking to invest in multi-family homes, or for customers specializing in the purchase and renovation of commercial properties. Another key offering from Velocity Financial is the so-called "Loan Servicing" services. The company takes care of the administration of mortgages and loans for other companies or investors. Velocity Financial handles all aspects of the process, from payment management to report generation and accounting. In addition to the core business areas mentioned above, Velocity Financial also offers a wide range of additional services, including property appraisals, market research, and consulting services. It is important to note that the company primarily focuses on the American real estate market and holds a strong market position in this area. In conclusion, the business model of Velocity Financial Inc is based on providing specialized financing solutions for real estate investors. The company offers a wide range of mortgages, loans, and additional services tailored to the needs of different customers. Thanks to its strong market position and years of experience in the American real estate market, Velocity Financial Inc is a reliable partner for all real estate investors in search of customized financing solutions.

The expected revenue of Velocity Financial is 270.22 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Velocity Financial is 105.38 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Velocity Financial is currently 6.39. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Velocity Financial stock.

The price-to-sales ratio (P/S) of Velocity Financial is currently 2.49. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Velocity Financial stock.

The Eulerpool Quality Score for Velocity Financial is 8/10.

The ISIN of Velocity Financial is US92262D1019. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The ticker of Velocity Financial is VEL. The ticker symbol is used to trade Velocity Financial shares on the stock exchange.

Velocity Financial paid dividends every year for the past 0 years.

Velocity Financial is assigned to the 'Finance' sector.

The dividends of Velocity Financial are distributed in USD.

All fundamentals and in-depth analysis of Velocity Financial

Our stock analysis for Velocity Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Velocity Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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