VEL
NYSE
US
Velocity Financial, Inc. Common Stock
$19.14
▲ +$0.22
(+1.16%)
Vol 99K
Mkt Cap
$751.0M
P/E
7.1
ROE
17.0%
Margin
21.4%
Beta
0.78
52W
$16–$21
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
3
Buy
1
Hold
1
Sell
0
Strong Sell
71.4%
Buy Rating
Price Chart
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Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.68 | $0.93 | +$0.25 |
| Sep 2025 | $0.61 | $0.69 | +$0.08 |
| Jun 2025 | $0.54 | $0.73 | +$0.19 |
| Mar 2025 | $0.53 | $0.55 | +$0.02 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $63.6M | $62.1M | $78.0M | $77.3M | $94.1M |
| Net Income | $20.6M | $18.9M | $26.0M | $25.4M | $34.8M |
Key Ratios
ROA (TTM)
1.6%
P/S (TTM)
1.53
P/B
1.2
EPS (TTM)
$2.74
CF/Share
$1.29
Rev Growth 3Y
+33.4%
52W High
$21.40
52W Low
$16.12
$16.12
52-Week Range
$21.40
Financial Health
Free Cash Flow
-$5.7M
Net Debt
$6.4B
Cash
$92.1M
Total Debt
$6.5B
As of Dec 31, 2025
How does VEL compare to Financial Services peers?
Peer group: Peers · Financial Services (Peers) · 10 companies
VEL valuation vs Financial Services peers
P/E ratio
7.2
▼
12%
below
peers
(8.1)
vs Peers
vs Industry
Undervalued
P/S ratio
1.5
▲
47%
above
peers
(1.0)
vs Peers
vs Industry
Overvalued
P/B ratio
1.2
▲
5%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
—
▼
0%
below
peers
(4.1%)
vs Peers
vs Industry
In line
VEL profitability vs Financial Services peers
ROE
17.0%
▲
177%
above
peers
(6.1%)
vs Peers
vs Industry
Top tier
Net margin
21.4%
▲
368%
above
peers
(4.6%)
vs Peers
vs Industry
Top tier
Gross margin
106.8%
▲
21%
above
peers
(88.3%)
vs Peers
vs Industry
Below avg
ROA
1.6%
▲
87%
above
peers
(0.8%)
vs Peers
vs Industry
Top tier
VEL financial health vs Financial Services peers
D/E ratio
—
▼
0%
below
peers
(33.7)
vs Peers
vs Industry
In line
Current ratio
0.3
▲
65%
above
peers
(0.2)
vs Peers
vs Industry
Below avg
Beta
0.8
▼
49%
below
peers
(1.5)
vs Peers
vs Industry
More volatile
VEL fundamentals radar
VEL
Peer median
Industry
VEL profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
VEL vs peers: key metrics
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