What is Velocity Financial, Inc. (VEL) stock price today?

Velocity Financial, Inc. (VEL) is currently trading at $14.73, down 1.21% today.

What is VEL P/E ratio?

Velocity Financial, Inc.'s P/E ratio is 5.25. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is VEL return on equity (ROE)?

Velocity Financial, Inc.'s return on equity (ROE) is 15.83%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is Velocity Financial, Inc.'s market cap?

Velocity Financial, Inc. has a market capitalization of $578.23M.

NYQ · Financial - Mortgages

Velocity Financial, Inc. (VEL) Stock

$14.73 -1.21% NYQ: VEL Financial Services

Valuation

Metric	Value
Price	$14.73
Market Cap	$578.23M
P/E Ratio	5.25
P/B Ratio	0.78
P/S Ratio	0.82
EPS (TTM)	$2.75
52-Week High	$21.40
52-Week Low	$14.18
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	15.83%
ROA	1.35%
ROCE	6.63%
Gross Margin	71.57%
Operating Margin	71.57%
Net Margin	15.36%
Debt/Equity	9.77
Current Ratio	0.63

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
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 Margin	21.9%	17.9%	58.3%	20.0%	71.6%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
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)

Metric	2021	2022	2023	2024	2025
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

Metric	Value
PEG Ratio	0.28
EV / EBITDA	15.54
FCF Yield	3.92%
Quick Ratio	0.94
Interest Coverage	1.19
Return 1Y	-4.24%
Return 3Y	42.32%
Return 5Y	39.06%

Ownership

Insiders Held3.00%

Institutions Held98.89%

Institutions Float Held101.95%

Institutional Holder	Shares	Report Date
Snow Phipps Group, LLC	13,353,103	2026-06-30
Allianz Asset Management GmbH	12,637,764	2026-03-31
Beach Point Capital Management LP	6,558,512	2026-03-31
Blackrock Inc.	1,641,916	2026-03-31
Dimensional Fund Advisors LP	582,550	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AMTBAmerant Bancorp Inc.	$28.77	-0.90%	21.17	$1.13B	1.22%
BFSTBusiness First Bancshares, Inc.	$30.49	-0.72%	10.96	$996.35M	1.94%
CCNECNB Financial Corporation	$33.28	-1.07%	10.89	$985.88M	2.23%
FDUSFidus Investment Corporation	$20.21	+3.43%	8.86	$767.06M	12.27%
HRTGHeritage Insurance Holdings, Inc.	$34.83	-1.14%	4.83	$1.05B	0.00%

About Velocity Financial, Inc.

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

Velocity Financial, Inc. (VEL) stock trades at $14.73 with a market capitalization of $578.23M. The stock is valued at a price-to-earnings (P/E) ratio of 5.25, price-to-book of 0.78, price-to-sales of 0.82. Over the past 52 weeks the stock has ranged between $14.18 and $21.40, and currently trades 31.2% below its 52-week high.

On profitability, Velocity Financial, Inc. generates a return on equity (ROE) of 15.83%, above the typical market average, return on capital employed of 6.63%, an operating margin of 71.57%, a net profit margin of 15.36%.

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