NYQ · Financial - Mortgages

VEL (VEL) Stock

$17.64 +0.57% NYQ: VEL Financial Services

Valuation

MetricValue
Price$17.64
Market Cap$692.46M
P/E Ratio6.65
P/B Ratio1.14
P/S Ratio0.98
EPS (TTM)$2.75
52-Week High$21.39
52-Week Low$16.19
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE15.60%
ROA1.42%
ROCE75.59%
Gross Margin71.57%
Operating Margin71.57%
Net Margin15.76%
Debt/Equity0.70
Current Ratio0.63

Annual Financials (USD)

Metric20212022202320242025
Revenue$181.0M$248.0M$132.0M$483.0M$714.0M
Operating Profit$40.0M$45.0M$77.0M$96.0M$511.0M
Net Profit$29.0M$32.0M$52.0M$68.0M$105.0M
EPS$0.86$0.93$1.52$1.91$2.75
Op Margin21.9%17.9%58.3%20.0%71.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.8B$3.7B$4.4B$5.5B$7.4B
Total Liabilities$2.5B$3.4B$4.0B$5.0B$6.7B
Cash$36.0M$45.0M$41.0M$50.0M$92.0M
Borrowings$2.4B$3.3B$3.8B$4.9B$6.5B

Latest News

Velocity Financial, Inc. Announces Date of Second Quarter 2026 Financial Results Webcast and Conference Call Business Wire · Jul 22, 2026 Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency Business Wire · Jul 3, 2026 Velocity Financial Appoints Dean Thevaos as CTO MT Newswires · Jun 2, 2026 Velocity Appoints Dean Thevaos as Chief Technology Officer Business Wire · Jun 2, 2026 Velocity Financial VEL Q1 2026 Earnings Transcript Motley Fool · May 7, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$58.0M$49.0M$61.0M$38.0M$18.0M
Investing Cash Flow$-657.0M$-909.0M$-597.0M$-1.0B$-1.5B
Financing Cash Flow$-28.0M$-26.0M$-1.0M$-6.0M$-7.0M
Net Cash Flow$27.0M$14.0M$0$9.0M$178.0M
Free Cash Flow$57.0M$48.0M$61.0M$37.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA14.05
FCF Yield3.91%
Quick Ratio0.64
Interest Coverage1.40
Return 1Y-4.24%
Return 3Y42.32%
Return 5Y39.06%

Ownership

Insiders Held3.00%
Institutions Held98.89%
Institutions Float Held101.95%
Institutional HolderSharesReport Date
Snow Phipps Group, LLC13,353,1032026-06-30
Allianz Asset Management GmbH12,637,7642026-03-31
Beach Point Capital Management LP6,558,5122026-03-31
Blackrock Inc.1,641,9162026-03-31
Dimensional Fund Advisors LP582,5502026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMTB $28.91 -0.96% 17.87 $1.13B 1.60%
BFST $31.89 -0.61% 9.92 $1.04B 2.10%
CCNE $34.61 -1.51% 12.10 $1.03B 2.37%
FDUSFidus Investment Corporation $20.21 +3.43% 8.86 $767.06M 12.27%
HRTG $28.46 +2.30% 3.71 $863.76M 0.00%

About VEL

VEL is led by CEO Christopher D. Farrar, employs 309 people, headquartered in US, publicly traded since 2020.

VEL stock trades at $17.64 with a market capitalization of $692.46M. The stock is valued at a price-to-earnings (P/E) ratio of 6.65, price-to-book of 1.14, price-to-sales of 0.98. Over the past 52 weeks the stock has ranged between $16.19 and $21.39, and currently trades 17.6% below its 52-week high.

On profitability, VEL generates a return on equity (ROE) of 15.60%, above the typical market average, return on capital employed of 75.59%, an operating margin of 71.57%, a net profit margin of 15.76%.

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