Velocity Financial, Inc. (VEL)Financial Services | Mortgage Finance | Westlake Village, United States | NYSE
14.54 USD
-0.13
(-0.886%) ⇩
(Oct. 14, 2026, 4 p.m.
EDT)
After hours: 14.54 |
Hot Take ↕ | Oct. 10, 2026, 4:27 a.m. EDT
The immediate outlook is bearish due to a perfect storm of deteriorating fundamentals and aggressive short-term selling pressure. The company is trapped in a multi-year decline, having lost significant ground despite a recent recovery attempt, and now faces a fresh year-over-year contraction. Fundamentally, the balance sheet is precarious with debt nearly ten times equity, and profitability is eroding with negative earnings growth. This weakness is being amplified by the options market, where traders are stacking heavy put positions to cap losses, while call activity remains sparse and lacks the conviction needed to spark a rebound. With no dividend to provide income and a price trading well below book value due to these structural issues, the risk-reward profile is skewed heavily toward the downside. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.051416 |
| AutoARIMA | 0.051417 |
| AutoTheta | 0.051789 |
| MSTL | 0.055483 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 45% |
| H-stat | 2.13 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.000 |
| Excess Kurtosis | 0.95 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 972.462 |
| Revenue per Share | 7.386 |
| Market Cap | 574,060,352 |
| Trailing P/E | 5.33 |
| Forward P/E | 4.79 |
| Beta | 0.75 |
| Profit Margins | 37.91% |
| Website | https://www.velfinance.com |
As of Oct. 10, 2026, 4:27 a.m. EDT: Speculators are heavily positioned for downside protection, evidenced by massive open interest in October and November puts relative to negligible call volume. While there is some call activity at strikes above the current price, the overwhelming sentiment is hedging against a drop, with very little speculative buying of calls to drive a rally.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.18950278 |
| Address1 | 2,945 Townsgate Road |
| Address2 | Suite 110 |
| All Time High | 21.395 |
| All Time Low | 2.24 |
| Ask | 0.0 |
| Ask Size | 500 |
| Audit Risk | 8 |
| Average Analyst Rating | 2.7 - Hold |
| Average Daily Volume10 Day | 201,500 |
| Average Daily Volume3 Month | 146,496 |
| Average Volume | 146,496 |
| Average Volume10Days | 201,500 |
| Beta | 0.749 |
| Bid | 0.0 |
| Bid Size | 400 |
| Board Risk | 3 |
| Book Value | 18.363 |
| City | Westlake Village |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 14.54 |
| Current Ratio | 15.552 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 14.665 |
| Day Low | 14.25 |
| Debt To Equity | 972.462 |
| Display Name | Velocity Financial |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,785,963,600 |
| Earnings Call Timestamp Start | 1,785,963,600 |
| Earnings Growth | -0.069 |
| Earnings Quarterly Growth | -0.032 |
| Earnings Timestamp | 1,785,960,000 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 26.586 |
| Enterprise Value | 7,553,400,320 |
| Eps Current Year | 2.80667 |
| Eps Forward | 3.03333 |
| Eps Trailing Twelve Months | 2.73 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 16.9394 |
| Fifty Day Average Change | -2.3993998 |
| Fifty Day Average Change Percent | -0.14164609 |
| Fifty Two Week Change Percent | -18.950277 |
| Fifty Two Week High | 21.395 |
| Fifty Two Week High Change | -6.8550005 |
| Fifty Two Week High Change Percent | -0.32040197 |
| Fifty Two Week Low | 14.18 |
| Fifty Two Week Low Change | 0.35999966 |
| Fifty Two Week Low Change Percent | 0.025387846 |
| Fifty Two Week Range | 14.18 - 21.395 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,579,271,400,000 |
| Float Shares | 5,246,296 |
| Forward Eps | 3.03333 |
| Forward P E | 4.7934117 |
| Full Exchange Name | NYSE |
| Full Time Employees | 364 |
| Fullday Change | 0.10999966 |
| Fullday Change Percent | 0.75549215 |
| Fullday Price | 14.54 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.75671 |
| Gross Profits | 214,987,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.029660001 |
| Held Percent Institutions | 0.99205 |
| Implied Shares Outstanding | 39,481,457 |
| Industry | Mortgage Finance |
| Industry Disp | Mortgage Finance |
| Industry Key | mortgage-finance |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Velocity Financial, Inc. operates as a real estate finance company in the United States. The company originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor loans unit residential rental properties; residential rental properties office; and loans for multi-family, mixed use, and commercial properties. The company also provides warehouse and other properties. It offers its products through a network of independent mortgage brokers and direct borrower relationships. The company was founded in 2004 and is headquartered in Westlake Village, California. |
| Long Name | Velocity Financial, Inc. |
| Market | us_market |
| Market Cap | 574,060,352 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_413547123 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 106,177,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 624,596,649 |
| Number Of Analyst Opinions | 3 |
| Open | 14.48 |
| Operating Cashflow | 22,790,000 |
| Operating Margins | 0.52085 |
| Overall Risk | 2 |
| Payout Ratio | 0.0 |
| Phone | 818 532 3700 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 14.54 |
| Post Market Time | 1,792,008,033 |
| Previous Close | 14.67 |
| Price Eps Current Year | 5.1805167 |
| Price Hint | 2 |
| Price To Book | 0.79180956 |
| Price To Sales Trailing12 Months | 2.020571 |
| Profit Margins | 0.37907 |
| Quick Ratio | 15.137 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 2.66667 |
| Region | US |
| Regular Market Change | -0.13 |
| Regular Market Change Percent | -0.886163 |
| Regular Market Day High | 14.665 |
| Regular Market Day Low | 14.25 |
| Regular Market Day Range | 14.25 - 14.665 |
| Regular Market Open | 14.48 |
| Regular Market Previous Close | 14.67 |
| Regular Market Price | 14.54 |
| Regular Market Time | 1,792,008,003 |
| Regular Market Volume | 164,609 |
| Return On Assets | 0.014989999 |
| Return On Equity | 0.16317 |
| Revenue Growth | 0.227 |
| Revenue Per Share | 7.386 |
| Sand P52 Week Change | 0.1570785 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 1 |
| Shares Outstanding | 39,481,457 |
| Shares Percent Shares Out | 0.041100003 |
| Shares Short | 1,623,729 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 1,549,811 |
| Short Name | Velocity Financial, Inc. |
| Short Percent Of Float | 0.3068 |
| Short Ratio | 9.07 |
| Source Interval | 15 |
| State | CA |
| Symbol | VEL |
| Target High Price | 23.5 |
| Target Low Price | 19.0 |
| Target Mean Price | 20.83333 |
| Target Median Price | 20.0 |
| Total Cash | 76,233,000 |
| Total Cash Per Share | 1.931 |
| Total Debt | 7,051,945,984 |
| Total Revenue | 284,108,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 2.73 |
| Trailing P E | 5.3260074 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 18.05845 |
| Two Hundred Day Average Change | -3.5184507 |
| Two Hundred Day Average Change Percent | -0.1948368 |
| Type Disp | Equity |
| Volume | 164,609 |
| Website | https://www.velfinance.com |
| Zip | 91,361 |