Menu
Live
Market Overview
Live indices, gainers & losers
Market Pulse
AI-curated live updates
Market Movers
Top gainers & losers by cap
Market Signals
Value, momentum & analyst signals
Smart Money
Insider & congress trades
Hedge Funds
What 63 elite funds bought & sold
52-Week Highs
Stocks breaking out to new highs
52-Week Lows
Beaten-down stocks near support
High Beta
Stocks that move more than the market
Earnings Calendar
Upcoming earnings dates
Daily
Research
Invest
LIVE
Velocity Financial, Inc.
VEL
NYSE·Financial Services·Financial - Mortgages·Mkt cap $731.7M
$18.57
▼ -0.38%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$16.19 - $21.40
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 1.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
3 reasons
- Specialized focus on 5-14 unit multifamily and small commercial properties
- Established broker network providing efficient loan distribution
- Proprietary underwriting expertise in niche real estate segments
Bear Case
2 risks
- Low volatility (beta 0.7).
- Growth premium of 0.8x vs Mortgage Banking & Lending peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of rental property investment market
Value
Growth premium of 0.8x vs Mortgage Banking & Lending peers. Reasonable for this growth rate.
Momentum
Stable
+2.2% over 3m
Quality
Excellent
High-growth business (136% revenue growth, 69% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying VEL right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 29, 2026
MAY 6, 2026
Reported EPS of $0.68 vs $0.64 consensus (+6.3% surprise). Revenue of $85.2M vs $68.5M expected (+24.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+6.3%
Next: Apr 29, 2026
Revenue trend · last 8Q
—
—
+6%
+18%
+17%
+39%
+263%
+41%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$66.7M
$55.4M
$50.3M
$119.3M
$166.0M
$172.3M
$182.3M
$167.9M
Margins · last 8Q
Gross
—
Operating
—
Profit
13.3%
Wall Street consensus
2 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Citizens · May 7, 2026
vs Industry
How VEL stacks vs Financial - Mortgages
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
Related