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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.

VEL

$18.43

+$0.03 (+0.16%)

Sep 4, 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 Sep 4, 2026
Trading
Open
$18.38
Previous Close
$18.40
Day's Range
18.12–18.51
52-Week Range
16.65–21.40
Volume
69.50K
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.
0.70
Valuation
Market Cap
$727.64M
P/E Ratio
6.68
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.08
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.56
EPS (ttm)Profit attributable to each share over the last twelve months.
2.76
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
−2.44%
Dividend and dates
Earnings Date
November 5, 2026
Avg Volume
103.56K

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

VEL Stock Return by Calendar Year

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

YearReturn
2026 (partial year)−11.22%
2025+6.13%
2024+13.59%
2023+78.45%
2022−29.56%
2021+119.90%
2020−53.89%

As of September 4, 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 19 stocks
MetricVELMortgage Finance medianvs median
P/E6.6812.4246% below
P/S ratio2.563.8534% below
Profit margin37.91%4.60%33.3 pts above

Medians across 19 Mortgage Finance stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 7 articles ↓

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

Analysis

Data-derived

Company Overview

The market values Velocity Financial, Inc. (VEL) at $727.64M. The company sits in the Financial Services sector, in the Mortgage Finance industry. Headcount on file is 364.

VEL last closed at $18.43 on September 4, 2026. That is +$0.03 (+0.16%) against the previous close. Over the past 52 weeks the price has ranged from $16.65 to $21.40. The latest close sits 10.69% 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 33.3 percentage points above the Mortgage Finance median of 4.6%. Earnings per share on a trailing basis come to 2.76.

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 6.68. That is 46.22% below the Mortgage Finance median of 12.42. The forward P/E on file is 6.08. The price-to-sales ratio is 2.56. On price-to-sales that is 33.52% below the Mortgage Finance median of 3.85. The medians here are taken across 19 Mortgage Finance companies that report the metric.

Beta against the wider market is reported at 0.7. Annualized volatility over the trailing 6 years is 44.21%. Over the trailing twelve months the price has returned −2.44%. Measured over 5 years, that is +7.94% a year compounded.

Growth & Income

No dividend is on file for VEL.

2026 is still running; the price is −11.22% 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 $727.64M 6.7
Rocket Companies, Inc. RKT $39.81B —
UWM Holdings Corporation UWMC $4.21B —
PennyMac Financial Services, Inc. PFSI $3.81B 10.1

The Mortgage Finance industry average P/E ratio is 12.4x. Velocity Financial, Inc. trades at a P/E of 6.7.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 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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