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    Velocity Financial Llc (VEL)

    Official site

    FINANCIAL SERVICES • MORTGAGE FINANCE • NYSE

    $14.82
    +0.28 (+1.93%)

    Market Cap: $574.06M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    68%(19/28)
    Avg Surprise
    +12.07%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.71
    Range$0.68 - $0.74
    3 analysts
    EPS Revisions
    1
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.67+5.9%
    60d ago$0.70+2.4%
    30d ago$0.710.0%
    7d ago$0.710.0%
    Current$0.71
    Revenue Consensus
    $53M
    Range$47M - $59M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.80
    Range$0.75 - $0.87
    3 analysts
    Revenue Consensus
    $46M
    Range$29M - $62M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.80---
    Sep 26EST
    		-$0.71---
    Jun 26
    Reported Aug 5
    		$0.64$0.65-1.54%Miss-12.3%
    Mar 26
    Reported May 6
    		$0.68$0.64+6.25%Beat+23.6%
    Dec 25
    Reported Mar 11
    		$0.93$0.67+38.81%Beat+55.0%
    Sep 25
    Reported Nov 6
    		$0.65$0.56+16.07%Beat+47.7%
    Jun 25
    Reported Aug 7
    		$0.73$0.53+37.74%Beat+62.2%
    Mar 25
    Reported May 1
    		$0.55$0.57-3.51%Miss+7.8%
    Dec 24
    Reported Mar 6
    		$0.60$0.48+24.35%Beat+30.4%
    Sep 24
    Reported Nov 7
    		$0.44$0.46-4.35%Miss+18.9%
    Jun 24
    Reported Aug 1
    		$0.45$0.42+7.14%Beat+18.4%
    Mar 24
    Reported May 2
    		$0.51$0.39+30.77%Beat+54.5%
    Dec 23
    Reported Mar 7
    		$0.46$0.38+21.05%Beat+70.4%
    Sep 23
    Reported Nov 2
    		$0.37$0.35+5.71%Beat+27.6%
    Jun 23
    Reported Aug 3
    		$0.38$0.33+15.15%Beat+22.6%
    Mar 23
    Reported May 4
    		$0.33$0.29+13.79%Beat-8.3%
    Dec 22
    Reported Mar 9
    		$0.27$0.29-6.90%Miss-6.9%
    Sep 22
    Reported Nov 3
    		$0.29$0.30-3.33%Miss+26.1%
    Jun 22
    Reported Aug 4
    		$0.31$0.29+6.90%Beat+24.0%
    Mar 22
    Reported May 5
    		$0.36$0.26+38.46%Beat+80.0%
    Dec 21
    Reported Mar 10
    		$0.29$0.23+26.09%Beat+0.0%
    Sep 21
    Reported Nov 3
    		$0.23$0.20+15.00%Beat+91.7%
    Jun 21
    Reported Aug 5
    		$0.25$0.17+47.06%Beat+47.1%
    Mar 21
    Reported May 6
    		$0.20$0.20+0.00%Beat-31.0%
    Dec 20
    Reported Mar 16
    		$0.29$0.13+123.08%Beat+190.0%
    Sep 20
    Reported Nov 11
    		$0.12$0.15-20.00%Miss-36.8%
    Jun 20
    Reported Aug 12
    		$0.17$0.18-5.56%Miss-
    Mar 20
    Reported Apr 7
    		$0.29$0.22+31.82%Beat-
    Dec 19
    Reported Jan 17
    		$0.10N/A-79.59%Miss-
    Sep 19
    Reported Oct 18
    		$0.19$0.33-42.42%Miss-

    Key Metrics

    Valuation
    P/E Ratio5.11EV/EBITDA14.31x
    Price/FCF26.24xFCF Yield3.81%
    Profitability
    Profit Margin37.90%Operating Margin52.10%
    ROE16.30%ROIC4.69%
    Financial Health
    Debt/Equity9.77xInterest Coverage12.20x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.75Avg Volume213.97K
    52-Week High$21.3952-Week Low$14.18

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$14.71
    SMA 20$15.10
    SMA 50$16.82
    SMA 200$18.01
    EMA 10$14.81
    EMA 20$15.25
    EMA 50$16.26
    EMA 200$17.56

    MACD

    Line: -0.63Signal: -0.70Hist: 0.06

    ADX

    ADX: 50.1+DI: 14.1-DI: 29.1

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$14.25

    Bollinger Bands

    Upper Band$16.22
    Lower Band$13.98
    %B Position1481%(Upper)
    Band Width0.37

    RSI (14-Day)

    Neutral
    34.8

    Momentum Oscillators

    Stoch %K32.6
    Stoch %D26.5
    Williams %R-53.1
    ROC (10d)1.4%
    Momentum0.21
    CCI (20d)-32.7
    MFI (14d)30.0

    Volatility Measures

    ATR (14d)$0.48(3.2%)
    StdDev (20d)0.56
    Hist Vol21.7%(Moderate)

    Volume Flow

    VWAP$14.88
    OBV824.1K
    AD Line-691.6K
    CMF (20d)-0.079

    Volume Metrics

    Avg Vol (20d)216.8K
    Vol Ratio0.9x
    VWMA (20d)$15.15

    Pivot Points

    R3$15.13
    R2$14.90
    R1$14.72
    Pivot Point$14.48
    S1$14.30
    S2$14.07
    S3$13.89

    Advanced Oscillators

    TSI-47.19
    Ultimate Osc48.3
    KST-147.39

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$95.97M$180.90M$370.25M$86.15M$87.43M$146.04M$262.73M$55.79M$54.98M$110.92M$103.80M$92.31M
    Cost of RevenueN/A$14.17M$17.24M$95.42M$89.58M$81.23M$17.70M$69.94M$65.56M$8.22M$56.37M$51.88M
    Gross ProfitN/A$153.75M$165.09M$76.87M$76.44M$38.03M$107.18M$49.33M$48.85M$90.38M$46.76M$39.40M
    Operating Expenses$59.75M$54.34M$52.85M$50.40M$51.91M$42.19M$39.13M$34.61M$34.89M$31.01M$29.26M$27.33M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$146.90M$159.49M$35.38M$33.92M$-6,032,000$107.23M$21.24M$19.87M$87.75M$22.31M$17.24M
    Interest Income$160.99M$153.08M$152.40M$144.12M$135.57M$118.74M$113.48M$105.07M$97.76M$90.53M$86.27M$79.09M
    Interest Expense$14.47M$15.13M$6.14M$6.14M$6.14M$6.14M$6.14M$6.14M$6.16M$5.38M$4.14M$4.14M
    Income Before Tax$35.23M$30.88M$50.05M$35.38M$33.92M$26.89M$32.04M$21.24M$19.87M$23.24M$22.31M$17.24M
    Income Tax Expense$9.50M$8.58M$15.30M$9.96M$7.75M$8.25M$11.23M$5.63M$5.16M$5.90M$5.14M$5.07M
    Net Income$25.73M$22.30M$34.75M$25.41M$26.17M$18.65M$20.80M$15.62M$14.71M$17.33M$17.17M$12.17M
    EBITDA$39.19M$130.07M$319.46M$39.02M$37.75M$106.44M$227.75M$26.00M$24.71M$83.80M$78.96M$71.23M
    EBIT$35.23M$124.90M$315.44M$35.38M$33.92M$101.98M$223.58M$21.24M$19.87M$78.91M$73.71M$64.82M
    * Some calculated fields are derived from available data when not provided by source

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    News

    BTIG cuts target for Velocity Financial stock from USD 22 to USD 20

    BTIG has reduced its price target for Velocity Financial (VEL) stock from USD 22 to USD 20, citing interest-rate pressure and increased risk to the dividend, while maintaining a "Buy" rating. Despite the cut...

    ad-hoc-news.de•10/15/26•Somewhat-Bearish

    Precision Trading with Velocity Financial Inc - Ordinary Shares (VEL) Risk Zones

    This article from Stock Traders Daily provides a detailed AI-driven analysis for Velocity Financial Inc (NYSE: VEL)...

    Stock Traders Daily•10/14/26•Bearish

    Velocity Financial Price Target Cut to $20.00/Share From $22.00 by BTIG

    BTIG has reduced its price target for Velocity Financial (NYSE: VCI) to $20.00 per share, down from the previous target of $22.00. This adjustment reflects an updated outlook on the company's valuation.

    Moomoo•10/7/26•Bearish

    Velocity Financial agrees to Toorak deal and analysts target Velocity Financial stock

    Velocity Financial (VEL) has agreed to acquire Toorak Capital's operating platform in a transaction linked to a $3.20 billion portfolio deal...

    AD HOC NEWS•10/5/26•Somewhat-Bullish

    Velocity Financial stock reports Q2 net income of USD 25.2 million

    Velocity Financial reported Q2 2026 GAAP net income of $25.2 million and diluted EPS of $0.64. The company's core net income increased to $27.9 million, and diluted book value per share rose to $18.43...

    AD HOC NEWS•10/4/26•Somewhat-Bullish

    VEL Valuation and Fair Value

    P/E
    5.1x
    EV/EBITDA
    14.3x
    P/FCF
    26.2x
    P/B
    0.8x
    See GNG's fair value

    VEL Profitability: Margins, ROIC and FCF

    Operating margin
    52.1%
    Net margin
    37.9%
    ROIC
    4.7%
    ROE
    16.3%
    FCF margin
    3.0%
    FCF yield
    3.8%

    VEL Competitors

    CompanyTicker
    Greene County Bancorp IncGCBC
    Southern First Bancshares IncSFST
    First Business Financial ServicesFBIZ
    Kearny Financial CorpKRNY
    Crawford & CompanyCRD-A
    Civista Bancshares IncCIVB
    Brighthouse Financial, Inc.BHFAN
    Unity Bancorp IncUNTY

    Sector: Financial Services

    VEL Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    1
    Hold
    0
    Sell
    1
    Strong Sell
    0

    VEL Bull Case vs Bear Case

    Bull case

    • VEL has a 37.9% net profit margin.
    • VEL grew quarterly revenue 22.7% year over year.

    Bear case

    • VEL has a debt-to-equity ratio of 9.8x.
    • 33.3% of VEL's analyst ratings are Sell or Strong Sell.

    VEL Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    14.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.71
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    Frequently Asked Questions About VEL

    Does VEL pay dividends?

    Velocity Financial Llc (VEL) does not currently pay a regular dividend.

    What is VEL's P/E ratio?

    Velocity Financial Llc has a price-to-earnings (P/E) ratio of 5.11.

    What is VEL's market cap?

    Velocity Financial Llc (VEL) has a market capitalization of $574.06M with a current stock price of $14.82.

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