









Markets
/
Stocks
/
nasdaq-vel
/

Velocity Financial Inc

VEL

18.440USD

+0.150+0.82%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

706.05MMarket Cap

8.79P/E TTM



Velocity Financial Inc

18.440

+0.150+0.82%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-18

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

79 / 400

Overall Ranking

173 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 3 analysts

Buy

Current Rating

21.333

Target Price

+16.64%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Velocity Financial, Inc. is a vertically integrated real estate finance company that primarily originates and manages business purpose loans secured by 1-4-unit residential rental and small commercial properties. It originates loans nationwide across its network of independent mortgage brokers. The Company's portfolio provides loans held for investment. The Company’s typical investor real estate loan is secured by a first lien on the underlying property with the added protection of a personal guarantee. Its portfolio of loans held for investment totaled $4.1 billion of unpaid principal balance (UPB) on properties in 45 states and the District of Columbia. The Company funds its portfolio primarily through a combination of committed and uncommitted secured warehouse facilities, securitized debt, corporate debt and equity.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 59.47% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 113.07.

Fairly Valued

The company’s latest PB is 1.18, at a medium 3-year percentile range.

Institutional Buying

The latest institutional holdings are 37.72M shares, increasing 5.97% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 543.49K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.76.

Financial Health

Currency: USD Updated: 2025-09-18

The company's current financial score is 7.32, which is higher than the Banking Services industry's average of 7.07. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 122.13M, representing a year-over-year increase of 36.40%, while its net profit experienced a year-over-year increase of 76.15%.

Score

Industry at a Glance

Previous score

7.32

Change



Financials

5.60

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

6.76

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

7.01

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

10.00

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.25

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-18

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 7.78, which is 28.57% below the recent high of 10.01 and -15.14% above the recent low of 8.96.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 79/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-18

The company’s current earnings forecast score is 7.33, which is lower than the Banking Services industry's average of 7.39. The average price target for Velocity Financial Inc is 21.00, with a high of 23.00 and a low of 20.00.

Score

Industry at a Glance

Previous score

7.33

Change

Support & Resistance

No Data

Analyst Rating

Based on 3 analysts

Buy

Current Rating

21.333

Target Price

+16.64%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Velocity Financial Inc

VEL

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-18

The company’s current price momentum score is 6.77, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 19.07 and the support level at 17.80, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.77

Change

0.21

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.242

Neutral

RSI(14)

47.294

Neutral

STOCH(KDJ)(9,3,3)

23.772

Neutral

ATR(14)

0.405

High Vlolatility

CCI(14)

-99.907

Neutral

Williams %R

71.250

Sell

TRIX(12,20)

0.075

Sell

StochRSI(14)

60.282

Buy

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

18.434

Buy

MA10

18.672

Sell

MA20

18.837

Sell

MA50

18.175

Buy

MA100

17.893

Buy

MA200

18.407

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-18

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 103.36%, representing a quarter-over-quarter increase of 2.06%. The largest institutional shareholder is The Vanguard, holding a total of 543.49K shares, representing 1.41% of shares outstanding, with 0.86% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Snow Phipps Group, LLC

13.35M

+8.80%

PIMCO (US)

10.96M

Beach Point Capital Management, LP

5.49M

+4.19%

BlackRock Institutional Trust Company, N.A.

734.80K

+2.81%

Farrar (Christopher D.)

680.40K

+0.18%

BlackRock Financial Management, Inc.

267.85K

+10.86%

The Vanguard Group, Inc.

Star Investors

463.91K

-0.15%

Adage Capital Management, L.P.

444.35K

-0.66%

Dimensional Fund Advisors, L.P.

292.93K

+24.61%

Geode Capital Management, L.L.C.

195.09K

+2.92%

Risk Assessment

Currency: USD Updated: 2025-09-18

The company’s current risk assessment score is 5.93, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 1.09. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.