Velocity Financial, Inc. (VEL)Financial Services | Mortgage Finance | Westlake Village, United States | NYSE
18.01 USD
-0.07
(-0.387%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 18.01 |
Hot Take ↕ | Aug. 22, 2026, 5:33 a.m. EDT
Velocity Financial presents a compelling value case for patient capital, trading at a discount to book value with robust profitability margins, yet it offers no income stream for investors seeking yield. The company's fundamentals are surprisingly resilient; despite a recent dip in earnings growth, revenue is expanding at a healthy 22.7% pace, and the balance sheet remains fortress-like with a massive current ratio. However, the stock has failed to capitalize on this growth recently, trading below its 200-day average, which suggests the market is currently skeptical of the sustainability of these numbers or is waiting for clearer confirmation. The absence of a dividend program is a significant drag on total return potential, forcing investors to rely entirely on capital appreciation. While the valuation metrics like P/E and P/B suggest a margin of safety, the lack of recent price momentum and the company's small market cap introduce execution risks that prevent a full 'buy' rating at this moment. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.019190 |
| AutoETS | 0.020254 |
| AutoARIMA | 0.020255 |
| AutoTheta | 0.020465 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 48% |
| H-stat | 1.97 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.004 |
| Excess Kurtosis | 0.94 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 972.462 |
| Revenue per Share | 7.386 |
| Market Cap | 711,061,056 |
| Trailing P/E | 6.55 |
| Forward P/E | 5.94 |
| Beta | 0.70 |
| Profit Margins | 37.91% |
| Website | https://www.velfinance.com |
As of Aug. 22, 2026, 5:33 a.m. EDT: Speculators are positioning for a range-bound or slightly bullish outcome in the near term, evidenced by heavy call volume at the money and strikes just above current price ($20), while put interest is concentrated further out-of-the-money at lower strikes ($15-$17.50). The lack of significant put volume suggests limited fear of a sharp crash, though the imbalance in open interest favors downside protection at deeper discounts. Implied volatility remains moderate, indicating a lack of extreme pricing for either a sudden spike or a collapse.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.047418356 |
| Address1 | 2,945 Townsgate Road |
| Address2 | Suite 110 |
| All Time High | 21.395 |
| All Time Low | 2.24 |
| Ask | 18.16 |
| Ask Size | 300 |
| Audit Risk | 8 |
| Average Analyst Rating | 2.7 - Hold |
| Average Daily Volume10 Day | 106,660 |
| Average Daily Volume3 Month | 102,087 |
| Average Volume | 102,087 |
| Average Volume10Days | 106,660 |
| Beta | 0.701 |
| Bid | 18.11 |
| Bid Size | 200 |
| Board Risk | 4 |
| Book Value | 17.672 |
| 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 | 18.01 |
| Current Ratio | 15.552 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 18.29 |
| Day Low | 18.0 |
| Debt To Equity | 972.462 |
| Display Name | Velocity Financial |
| 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 | 27.069 |
| Enterprise Value | 7,690,401,280 |
| Eps Current Year | 2.80667 |
| Eps Forward | 3.03333 |
| Eps Trailing Twelve Months | 2.75 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 17.8294 |
| Fifty Day Average Change | 0.18060112 |
| Fifty Day Average Change Percent | 0.0101294005 |
| Fifty Two Week Change Percent | -4.7418356 |
| Fifty Two Week High | 21.395 |
| Fifty Two Week High Change | -3.3850002 |
| Fifty Two Week High Change Percent | -0.15821454 |
| Fifty Two Week Low | 16.65 |
| Fifty Two Week Low Change | 1.3600006 |
| Fifty Two Week Low Change Percent | 0.08168172 |
| Fifty Two Week Range | 16.65 - 21.395 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,579,271,400,000 |
| Float Shares | 5,248,665 |
| Forward Eps | 3.03333 |
| Forward P E | 5.9373693 |
| Full Exchange Name | NYSE |
| Full Time Employees | 364 |
| Fullday Change | -0.0699997 |
| Fullday Change Percent | -0.387166 |
| Fullday Price | 18.01 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.75671 |
| Gross Profits | 214,987,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.029660001 |
| Held Percent Institutions | 0.99139 |
| 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 | 711,061,056 |
| Market State | CLOSED |
| 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 | 713,824,742 |
| Number Of Analyst Opinions | 3 |
| Open | 18.15 |
| 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 | 18.01 |
| Post Market Time | 1,787,959,806 |
| Previous Close | 18.08 |
| Price Eps Current Year | 6.4168572 |
| Price Hint | 2 |
| Price To Book | 1.0191263 |
| Price To Sales Trailing12 Months | 2.5027843 |
| 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 | -0.0699997 |
| Regular Market Change Percent | -0.387166 |
| Regular Market Day High | 18.29 |
| Regular Market Day Low | 18.0 |
| Regular Market Day Range | 18.0 - 18.29 |
| Regular Market Open | 18.15 |
| Regular Market Previous Close | 18.08 |
| Regular Market Price | 18.01 |
| Regular Market Time | 1,787,947,202 |
| Regular Market Volume | 109,463 |
| Return On Assets | 0.014989999 |
| Return On Equity | 0.16317 |
| Revenue Growth | 0.227 |
| Revenue Per Share | 7.386 |
| Sand P52 Week Change | 0.20504117 |
| 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 | 0.0396 |
| Shares Short | 1,563,440 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 1,503,194 |
| Short Name | Velocity Financial, Inc. |
| Short Percent Of Float | 0.29540002 |
| Short Ratio | 14.14 |
| Source Interval | 15 |
| State | CA |
| Symbol | VEL |
| Target High Price | 23.5 |
| Target Low Price | 19.0 |
| Target Mean Price | 21.5 |
| Target Median Price | 22.0 |
| 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 | 2.75 |
| Trailing P E | 6.549091 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 18.4993 |
| Two Hundred Day Average Change | -0.48929977 |
| Two Hundred Day Average Change Percent | -0.026449637 |
| Type Disp | Equity |
| Volume | 109,463 |
| Website | https://www.velfinance.com |
| Zip | 91,361 |