Velocity Financial, Inc.
VEL
NYSE·Financial Services·Financial - Mortgages·Mkt cap $723.5M
$18.43
▲ +0.16%
P/E
6.70
Mkt Cap
$723.5M
52-Wk Range
$16.65–$21.40
52-Week Range
$16.65 - $21.40
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 3.5% 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
1 risk
- Low volatility (beta 0.7).
Growth
Revenue decline expected
Expansion of rental property investment market
Value
Trading at 0.6x Mortgage Banking & Lending peers — a discount despite the growth profile.
Momentum
Strong
+7.2% over 3m
Quality
Excellent
High-growth business (136% revenue growth, 79% 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: Oct 29, 2026
AUG 5, 2026
Reported EPS of $0.71 vs $0.65 consensus (+9.1% surprise). Revenue of $95.0M vs $85.6M expected (+11.0%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+9.1%
Revenue trend · last 8Q
—
+6%
+18%
+17%
+39%
+263%
+41%
-100%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$55.4M
$50.3M
$119.3M
$166.0M
$172.3M
$182.3M
$167.9M
$0
Margins · last 8Q
Gross
—
Operating
—
Profit
—
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