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StockVS

NYSE · Mortgage Finance · USD

Velocity Financial, Inc. (VEL) Stock Analysis

Velocity Financial, Inc. (VEL) is a Mortgage Finance stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

VEL

$14.85

+$0.04 (+0.27%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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VEL Key Statistics

As of Oct 21, 2026
Trading
Open
$14.87
Previous Close
$14.81
Day's Range
14.60–15.25
52-Week Range
14.18–21.40
Volume
258.81K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.75
Valuation
Market Cap
$586.30M
P/E Ratio
5.40
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
4.90
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.06
EPS (ttm)Profit attributable to each share over the last twelve months.
2.75
Financials (FY)
Revenue (FY)
$311.53M+47.13%
Net Income (FY)
$105.05M+53.55%
Profit marginThe share of revenue left as profit after all costs and taxes.
37.91%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
39.48M
1-Year Return
−17.73%
Dividend and dates
Earnings Date
November 5, 2026
Avg Volume
150.45K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, VEL closed at $14.85, −17.73% over 1 year.

Velocity Financial, Inc. (VEL) has a market capitalization of $586.30M.

In fiscal 2025, VEL reported revenue of $311.53M.

VEL Stock Return by Calendar Year

Velocity Financial, Inc. (VEL) return since Jan 2020: what $10,000 became

1 year
$10,000 $8,227
−17.73%
5 years
$10,000 $12,375
+23.75%
Since Jan 2020
$10,000 $10,992
+9.92%

If you had invested $10,000 in Velocity Financial, Inc. (VEL) at the close on January 17, 2020, the earliest close on record here, it would have been worth $10,992 at the close on October 21, 2026: +9.92% in total, +1.41% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−28.47%
2025+6.13%
2024+13.59%
2023+78.45%
2022−29.56%
2021+119.90%
2020−53.89%

As of October 21, 2026.

VEL Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$311.53M$105.05M33.7%
2024$211.74M$68.42M32.3%
2023$155.51M$52.27M33.6%
2022$91.19M$32.21M35.3%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$311.53M——$105.05M33.7%
2024$211.74M——$68.42M32.3%
2023$155.51M——$52.27M33.6%
2022$91.19M——$32.21M35.3%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

VEL Valuation vs Mortgage Finance Median

Median of 18 stocks
MetricVELMortgage Finance medianvs median
P/E5.4011.4353% below
P/S ratio2.062.6021% below
Profit margin37.91%8.19%29.7 pts above

Medians across 18 Mortgage Finance stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 9 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Velocity Financial, Inc. (VEL) at $586.30M. The company sits in the Financial Services sector, in the Mortgage Finance industry. Headcount on file is 364.

VEL last closed at $14.85 on October 21, 2026. That is +$0.04 (+0.27%) against the previous close. Over the past 52 weeks the price has ranged from $14.18 to $21.40. The latest close sits 4.72% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $311.53M. That is +47.13% against the prior fiscal year, when revenue was $211.74M. Net income for the same year was $105.05M. That is +53.55% against the prior fiscal year. Profit margin runs at 37.91%. That is 29.7 percentage points above the Mortgage Finance median of 8.19%. Earnings per share on a trailing basis come to 2.75.

Across the 4 fiscal years on file, revenue moves from $91.19M in 2022 to $311.53M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 5.4. That is 52.74% below the Mortgage Finance median of 11.43. The forward P/E on file is 4.9. The price-to-sales ratio is 2.06. On price-to-sales that is 20.7% below the Mortgage Finance median of 2.6. The medians here are taken across 18 Mortgage Finance companies that report the metric.

Beta against the wider market is reported at 0.75. Annualized volatility over the trailing 6 years is 43.92%. Over the trailing twelve months the total return is −17.73%. Measured over 5 years, that is +4.35% a year compounded.

Growth & Income

No dividend is on file for VEL.

2026 is still running; the total return is −28.47% year to date. Across the complete calendar years on file, 2021 returned +119.90% and 2020 returned −53.89%. Of the 6 complete calendar years on file, 4 finished higher.

Peer Comparison

Velocity Financial, Inc. (VEL) operates in the Mortgage Finance industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Velocity Financial, Inc. VEL $586.30M 5.4
Rocket Companies, Inc. RKT $31.46B —
PennyMac Financial Services, Inc. PFSI $3.09B 8.2
UWM Holdings Corporation UWMC $1.78B —

The Mortgage Finance industry average P/E ratio is 11.4x. Velocity Financial, Inc. trades at a P/E of 5.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Velocity Financial, Inc.

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.

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