VEL Velocity Financial, Inc. Common Stock
NYSE · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$14.59
· of 52w range
· above low
· to high
$14.1852w low
$21.4052w high
Market Cap (MRQ)
$573M
P/E
5.2
EPS
$2.75
your badges
52W Range
$14–$21
Analyst Rating
BUY
Price Target
$22
P/E
5.2
ROE
17.7%
Net Profit Margin
56.5%
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VEL Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$14.59
Market Cap (MRQ)
$573M
P/E
5.2
EPS
$2.75
ROE
17.7%
52W Range
$14–$21
VEL Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.752020-12-31 → 2025-12-31
Free Cash Flow$18M2020-12-31 → 2025-12-31
Net margin56.5%2020-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | VEL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 5.25Y avg ≈11.1 | ≈11.1 | 11.5 | Undervalued | |
| P/S | 3.15Y avg ≈4.8 | ≈4.8 | 2.5 | Overvalued | |
| P/B (MRQ) | 0.85Y avg ≈1.2 | ≈1.2 | 1.1 | Undervalued | |
| Price / FCF (TTM) | 25.45Y avg ≈17.9 | ≈17.9 | · | · | |
| Price / Cash Flow (TTM) | 25.25Y avg ≈17.7 | ≈17.7 | · | · | |
| Price / Tangible Book | 0.95Y avg ≈1.2 | ≈1.2 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | VEL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 0.28%5Y avg ≈0.80% | ≈0.80% | 2.6% | Weak | |
| Pretax Margin | 78.7%5Y avg ≈64.3% | ≈64.3% | 5.9% | Top tier | |
| Net Profit Margin | 56.5%5Y avg ≈46.5% | ≈46.5% | 0.98% | Top tier | |
| ROA | 1.6%5Y avg ≈1.3% | ≈1.3% | 0.89% | Top tier | |
| ROE | 17.7%5Y avg ≈12.8% | ≈12.8% | 5.4% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | VEL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 36.8%5Y avg ≈22.9% | ≈22.9% | · | · | |
| Revenue CAGR 3Y | 30.7%5Y avg ≈23.0% | ≈23.0% | · | · | |
| Revenue CAGR 5Y | 22.5% | · | · | · | |
| EPS YoY | 44.0%5Y avg ≈35.2% | ≈35.2% | · | · | |
| Net Income YoY | 53.5%5Y avg ≈44.3% | ≈44.3% | · | · | |
| EPS CAGR 3Y | 43.0% | · | · | · | |
| Net Income CAGR 3Y | 48.3%5Y avg ≈41.4% | ≈41.4% | · | · | |
| Net Income CAGR 5Y | 42.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | VEL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Below avg |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
17.2%
Next Report
Nov 04, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 5, 2026 | $0.71 | $0.66 | 8.1% |
| March 31, 2026 | $0.68 | $0.65 | 5.2% | |
| Dec. 31, 2025 | $0.93 | $0.68 | 37.4% | |
| Sept. 30, 2025 | $0.69 | $0.61 | 12.9% | |
| June 30, 2025 | $0.73 | $0.54 | 35.5% | |
| March 31, 2025 | $0.55 | $0.53 | 4.0% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Pretax Income | $146M | $96M | $71M | $45M | $40M | $23M | $25M | |
| Income Tax | $41M | $28M | $19M | $12M | $11M | $5M | $8M | |
| Net Income | $105M | $68M | $52M | $32M | $29M | $18M | $17M | |
| EPS (Basic) | $2.81 | $2.07 | $1.60 | $0.99 | $0.90 | $-1.55 | · | |
| EPS (Diluted) | $2.75 | $1.91 | $1.52 | $0.94 | $0.86 | $-1.55 | · | |
| Shares (Basic) | 36,850,000 | 32,653,000 | 32,206,000 | 31,913,000 | 22,813,000 | 20,087,000 | · | |
| Shares (Diluted) | 38,178,000 | 35,760,000 | 34,484,000 | 34,131,000 | 33,982,000 | 20,087,000 | · | |
| EBITDA | $516.0K | $793.0K | $752.0K | $796.0K | $1M | $1M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $92M | $50M | $41M | $45M | $36M | $13M | $21M | |
| Prepaid Expense | $3M | $2M | $2M | $2M | $2M | $1M | $2M | |
| PP&E (Net) | $1M | $2M | $3M | $3M | $4M | $4M | $5M | |
| PP&E (Gross) | $9M | $10M | $10M | $10M | $11M | $10M | $10M | |
| Accum. Depreciation | $8M | $8M | $8M | $7M | $7M | $6M | $5M | |
| Goodwill | $7M | $7M | $7M | $7M | $7M | · | · | |
| Total Assets | $7.38B | $5.53B | $4.40B | $3.75B | $2.81B | $2.10B | $2.21B | |
| Accounts Payable | $168M | $148M | $122M | $92M | $92M | $63M | $56M | |
| Total Liabilities | $6.71B | $5.01B | $3.97B | $3.37B | $2.47B | $1.79B | $2.06B | |
| Common Stock | $398.0K | $339.0K | $331.0K | $326.0K | $323.0K | $201.0K | · | |
| Paid-in Capital | $383M | $323M | $307M | $300M | $296M | $204M | · | |
| Retained Earnings | $302M | $197M | $129M | $77M | $44M | $15M | · | |
| Treasury Stock | $10M | $3M | $1M | $458.0K | · | · | · | |
| AOCI | $-3M | $-805.0K | $-1M | · | · | · | · | |
| Stockholders' Equity | $673M | $517M | $433M | $377M | $341M | $220M | $153M | |
| Liabilities + Equity | $7.38B | $5.53B | $4.40B | $3.75B | $2.81B | $2.10B | $2.21B | |
| Shares Outstanding | 38,965,317 | 33,545,585 | 32,865,836 | 32,489,869 | 32,293,042 | 20,087,494 | 0 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $516.0K | $793.0K | $752.0K | $796.0K | $1M | $1M | $1M | |
| Stock-based Comp | $8M | $6M | $4M | $3M | $2M | $965.0K | · | |
| Deferred Tax | $-8M | $-11M | $3M | $12M | $-10M | $2M | $-8M | |
| Other Non-cash | $-88M | $-26M | $-11M | $753.0K | $35M | $33M | · | |
| Operating Cash Flow | $18M | $38M | $49M | $49M | $58M | $55M | $-105M | |
| CapEx | $281.0K | $289.0K | $180.0K | $326.0K | $135.0K | $726.0K | $882.0K | |
| Investing Cash Flow | $-1.52B | $-1.05B | $-585M | $-908M | $-656M | $88M | $-306M | |
| Stock Issued | $41M | $10M | $2M | $607.0K | $137.0K | $101M | · | |
| Stock Repurchased | $7M | $2M | $861.0K | $458.0K | · | · | · | |
| Net Stock Activity | $34M | $10M | $1M | $149.0K | $137.0K | $101M | · | |
| Financing Cash Flow | $1.68B | $1.02B | $536M | $874M | $626M | $-150M | $422M | |
| Net Change in Cash | $178M | $9M | $-129.0K | $14M | $27M | $-7M | $11M | |
| Taxes Paid | $51M | $42M | $8M | $23M | $10M | $965.0K | $15M | |
| Free Cash Flow | $18M | $37M | $49M | $48M | $57M | $54M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 56.5% | 50.4% | 48.5% | 38.7% | 38.5% | 26.4% | · | |
| Pretax Margin | 78.7% | 71.0% | 66.0% | 53.6% | 52.4% | 34.3% | · | |
| EBITDA Margin | 0.28% | 0.58% | 0.70% | 0.96% | 1.5% | 1.8% | · | |
| ROA | 1.6% | 1.4% | 1.3% | 0.98% | 1.2% | 0.82% | · | |
| ROE | 17.7% | 14.4% | 12.9% | 9.0% | 10.2% | 8.3% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $16.99 | $15.41 | $13.19 | $11.60 | $10.56 | $10.93 | · | |
| Revenue / Share | $4.87 | $3.80 | $3.12 | $2.44 | $2.24 | $3.36 | · | |
| Cash Flow / Share | $0.48 | $1.06 | $1.42 | $1.43 | $1.70 | $2.73 | · | |
| Cash / Share | $2.33 | $1.49 | $1.23 | $1.39 | $1.11 | $0.66 | · | |
| EPS (TTM) | $2.75 | $1.91 | $1.52 | $0.94 | $0.86 | $-1.55 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 36.8% | 26.0% | 29.6% | 9.4% | 12.6% | · | · | |
| Revenue CAGR 3Y | 30.7% | 21.4% | 16.9% | · | · | · | · | |
| Revenue CAGR 5Y | 22.5% | · | · | · | · | · | · | |
| EPS YoY | 44.0% | 25.7% | 61.7% | 9.3% | · | · | · | |
| EPS CAGR 3Y | 43.0% | 30.5% | · | · | · | · | · | |
| Net Income YoY | 53.5% | 30.9% | 62.3% | 10.2% | 64.4% | · | · | |
| Net Income CAGR 3Y | 48.3% | 32.8% | 43.3% | · | · | · | · | |
| Net Income CAGR 5Y | 42.7% | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $186M | $136M | $108M | $83M | $76M | $67M | $59M | |
| Net Income TTM | $105M | $68M | $52M | $32M | $29M | $18M | $17M | |
| Market Cap | $822M | $656M | $566M | $314M | $442M | $125M | · | |
| P/E | 7.5 | 10.2 | 11.3 | 10.3 | 15.9 | -4.0 | · | |
| P/S | 4.4 | 4.8 | 5.3 | 3.8 | 5.8 | 1.9 | · | |
| P/B | 1.2 | 1.3 | 1.3 | 0.8 | 1.3 | 0.6 | · | |
| P / Tangible Book | 1.2 | 1.3 | 1.3 | 0.8 | 1.3 | 0.6 | · | |
| P / Cash Flow | 45.2 | 17.4 | 11.6 | 6.4 | 7.7 | 2.3 | · | |
| P / FCF | 45.9 | 17.5 | 11.6 | 6.5 | 7.7 | 2.3 | · | |
| Earnings Yield | 13.2% | 9.8% | 8.8% | 9.7% | 6.3% | -24.9% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pretax Income | $35M | $31M | $50M | $35M | $34M | $27M | $32M | $21M | $20M | $23M | $22M | $17M | $17M | $15M | $12M | $14M | |
| Income Tax | $10M | $9M | $15M | $10M | $8M | $8M | $11M | $6M | $5M | $6M | $5M | $5M | $5M | $4M | $3M | $4M | |
| Net Income | $25M | $22M | $35M | $25M | $26M | $19M | $21M | $16M | $15M | $17M | $17M | $12M | $12M | $11M | $8M | $10M | |
| EPS (Basic) | $0.64 | $0.57 | $0.91 | $0.66 | $0.69 | $0.55 | $0.62 | $0.48 | $0.45 | $0.52 | $0.53 | $0.37 | $0.37 | $0.33 | $0.25 | $0.31 | |
| EPS (Diluted) | $0.64 | $0.57 | $0.90 | $0.65 | $0.69 | $0.51 | $0.56 | $0.44 | $0.42 | $0.49 | $0.50 | $0.35 | $0.36 | $0.31 | $0.25 | $0.29 | |
| Shares (Basic) | 38,730,000 | 38,626,000 | · | 38,073,000 | 37,194,000 | 33,687,000 | · | 32,711,000 | 32,585,000 | 32,541,000 | · | 32,275,000 | 32,122,000 | 32,098,000 | · | 31,922,000 | |
| Shares (Diluted) | 39,304,000 | 39,174,000 | · | 38,800,000 | 37,790,000 | 36,811,000 | · | 35,895,000 | 35,600,000 | 35,439,000 | · | 34,731,000 | 34,140,000 | 34,052,000 | · | 34,199,000 | |
| EBITDA | · | $133.0K | · | · | · | $138.0K | · | · | · | $182.0K | · | · | · | $195.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $76M | $87M | $92M | $99M | $80M | $52M | $50M | $44M | $47M | $35M | $41M | $29M | $34M | $39M | $45M | $26M | |
| Prepaid Expense | · | · | $3M | · | · | · | $2M | · | · | · | · | · | · | · | · | · | |
| PP&E (Net) | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | · | $3M | $3M | $3M | · | $3M | |
| PP&E (Gross) | · | · | $9M | · | · | · | $10M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $8M | · | · | · | $8M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Total Assets | $7.96B | $7.59B | $7.38B | $6.96B | $6.48B | $5.97B | $5.53B | $5.20B | $4.87B | $4.63B | · | $4.12B | $3.95B | $3.84B | · | $3.65B | |
| Accounts Payable | $186M | $173M | $168M | $171M | $165M | $153M | $148M | $141M | $138M | $124M | · | $98M | $95M | $85M | · | $75M | |
| Total Liabilities | $7.24B | $6.90B | $6.71B | $6.32B | $5.87B | $5.41B | $5.01B | $4.71B | $4.40B | $4.17B | · | $3.70B | $3.55B | $3.45B | · | $3.28B | |
| Common Stock | $405.0K | $403.0K | $398.0K | $396.0K | $390.0K | $359.0K | $339.0K | $335.0K | $335.0K | $334.0K | · | $330.0K | $329.0K | $328.0K | · | $325.0K | |
| Paid-in Capital | $391M | $385M | $383M | $379M | $369M | $353M | $323M | $313M | $311M | $308M | · | $305M | $303M | $301M | · | $299M | |
| Retained Earnings | $350M | $325M | $302M | $268M | $242M | $216M | $197M | $177M | $161M | $146M | · | $112M | $99M | $87M | · | $68M | |
| Treasury Stock | $17M | $15M | $10M | $10M | $10M | $5M | $3M | $3M | $3M | $3M | · | $1M | $1M | $1M | · | $458.0K | |
| AOCI | $-2M | $-2M | $-3M | $-3M | $-3M | $-2M | $-805.0K | $-3M | $2M | $794.0K | · | $905.0K | · | · | · | · | |
| Stockholders' Equity | $722M | $693M | $673M | $634M | $598M | $563M | $517M | $485M | $471M | $453M | · | $416M | $402M | $388M | · | $367M | |
| Liabilities + Equity | $7.96B | $7.59B | $7.38B | $6.96B | $6.48B | $5.97B | $5.53B | $5.20B | $4.87B | $4.63B | · | $4.12B | $3.95B | $3.84B | · | $3.65B | |
| Shares Outstanding | 39,293,655 | 39,235,281 | 39,573,657 | 38,900,030 | 38,289,087 | 35,384,747 | 33,545,585 | 33,114,845 | 33,098,635 | 32,985,794 | · | 32,784,157 | 32,741,628 | 32,602,432 | · | 32,415,860 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $131.0K | $133.0K | $123.0K | $123.0K | $132.0K | $138.0K | $143.0K | $283.0K | $185.0K | $182.0K | $185.0K | $186.0K | $186.0K | $195.0K | $191.0K | $204.0K | |
| Stock-based Comp | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $923.0K | $1M | $1M | $1M | $933.0K | $931.0K | |
| Deferred Tax | $-2M | $4M | $-6M | $-4M | $-867.0K | $3M | $-327.0K | $-12M | $168.0K | $480.0K | $-2M | $1M | $664.0K | $2M | $-695.0K | $11M | |
| Other Non-cash | · | $-17M | · | · | · | $-20M | · | · | · | $-9M | · | · | · | $-26M | · | · | |
| Operating Cash Flow | $4M | $12M | $-4M | $11M | $8M | $4M | $33M | $-18M | $11M | $11M | $26M | $-10M | $44M | $-12M | $40M | $-4M | |
| CapEx | $98.0K | $42.0K | $57.0K | $66.0K | $78.0K | $80.0K | $99.0K | $65.0K | $84.0K | $41.0K | $108.0K | $24.0K | $0 | $48.0K | $53.0K | $56.0K | |
| Investing Cash Flow | $-200M | $-351M | $-250M | $-429M | $-441M | $-401M | $-356M | $-280M | $-197M | $-212M | $-224M | $-148M | $-141M | $-72M | $-89M | $-311M | |
| Stock Issued | · | · | $1M | $9M | $2M | $29M | $8M | $189.0K | $2M | $155.0K | $907.0K | $523.0K | · | · | · | · | |
| Stock Repurchased | $3M | $5M | $1.0K | $179.0K | $5M | $2M | $0 | $0 | $266.0K | $1M | $24.0K | $0 | $1.0K | $836.0K | · | $0 | |
| Net Stock Activity | · | $-5M | · | · | · | $29M | · | · | · | $-1M | · | · | · | $-836.0K | · | · | |
| Financing Cash Flow | $329M | $202M | $386M | $438M | $456M | $402M | $326M | $285M | $206M | $199M | $213M | $154M | $91M | $77M | $70M | $301M | |
| Net Change in Cash | $133M | $-137M | $131M | $21M | $23M | $4M | $4M | $-12M | $21M | $-3M | $15M | $-4M | $-5M | $-6M | $21M | $-15M | |
| Taxes Paid | $12M | $699.0K | $24M | $8M | $18M | $771.0K | $19M | $7M | $16M | $17.0K | $5M | $4M | $-1M | $264.0K | $78.0K | $1M | |
| Free Cash Flow | · | $12M | · | · | · | $3M | · | · | · | $11M | · | · | · | $-12M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 51.5% | 50.9% | · | 51.7% | 54.6% | 50.3% | · | 45.1% | 45.6% | 58.5% | · | 44.2% | 48.1% | 43.7% | · | 40.2% | |
| Pretax Margin | 72.1% | 70.3% | · | 72.1% | 71.3% | 71.7% | · | 60.6% | 61.3% | 78.8% | · | 63.0% | 66.5% | 60.6% | · | 56.5% | |
| EBITDA Margin | · | 0.30% | · | · | · | 0.37% | · | · | · | 0.62% | · | · | · | 0.80% | · | · | |
| ROA | 0.35% | 0.33% | · | 0.42% | 0.46% | 0.36% | · | 0.34% | 0.33% | 0.41% | · | 0.31% | 0.33% | 0.31% | · | 0.33% | |
| ROE | 3.8% | 3.6% | · | 4.5% | 4.9% | 3.7% | · | 3.5% | 3.4% | 4.1% | · | 3.1% | 3.2% | 2.9% | · | 3.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.36 | $17.67 | · | $16.30 | $15.62 | $15.92 | · | $14.63 | $14.24 | $13.73 | · | $12.70 | $12.27 | $11.89 | · | $11.32 | |
| Revenue / Share | $1.24 | $1.12 | · | $1.26 | $1.26 | $1.02 | · | $0.98 | $0.91 | $0.83 | · | $0.79 | $0.74 | $0.72 | · | $0.73 | |
| Cash Flow / Share | · | $0.31 | · | · | · | $0.10 | · | · | · | $0.30 | · | · | · | $-0.35 | · | · | |
| Cash / Share | $1.94 | $2.22 | · | $2.54 | $2.08 | $1.46 | · | $1.33 | $1.43 | $1.06 | · | $0.90 | $1.04 | $1.21 | · | $0.81 | |
| EPS (TTM) | $2.76 | $2.81 | · | $2.41 | $2.20 | $1.93 | · | $1.85 | $1.76 | $1.70 | · | $1.27 | $1.21 | $1.16 | · | $0.94 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $193M | $192M | · | $173M | $159M | $144M | · | $128M | $120M | $113M | · | $98M | $95M | $96M | · | $84M | |
| Net Income TTM | $108M | $109M | · | $91M | $81M | $70M | · | $65M | $61M | $59M | · | $43M | $41M | $40M | · | $32M | |
| Market Cap | $725M | $710M | · | $706M | $710M | $662M | · | $649M | $593M | $594M | · | $370M | $378M | $294M | · | $351M | |
| P/E | 6.7 | 6.4 | · | 7.5 | 8.4 | 9.7 | · | 10.6 | 10.2 | 10.6 | · | 8.9 | 9.5 | 7.8 | · | 11.5 | |
| P/S | 3.7 | 3.7 | · | 4.1 | 4.5 | 4.6 | · | 5.1 | 4.9 | 5.3 | · | 3.8 | 4.0 | 3.1 | · | 4.2 | |
| P/B | 1.0 | 1.0 | · | 1.1 | 1.2 | 1.2 | · | 1.3 | 1.3 | 1.3 | · | 0.9 | 0.9 | 0.8 | · | 1.0 | |
| P / Tangible Book | 1.0 | 1.0 | · | 1.1 | 1.2 | 1.2 | · | 1.4 | 1.3 | 1.3 | · | 0.9 | 1.0 | 0.8 | · | 1.0 | |
| P / Cash Flow | · | 58.7 | · | · | · | 187.2 | · | · | · | 56.1 | · | · | · | -24.7 | · | · | |
| Earnings Yield | 14.9% | 15.5% | · | 13.3% | 11.9% | 10.3% | · | 9.4% | 9.8% | 9.4% | · | 11.2% | 10.5% | 12.8% | · | 8.7% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $105M | $68M | $52M | $32M | $29M |
| Diluted EPS | $2.75 | $1.91 | $1.52 | $0.94 | $0.86 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $18M | $37M | $49M | $48M | $57M |
Institutional owners (13F) 119 filers · $750.5M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
119
Value held
$750.5M
New positions
17
Exited positions
15
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 17 (-2 vs prior Q) | 15 (-6 vs prior Q) | 50 (+16 vs prior Q) | 23 (-12 vs prior Q) | +85K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Snow Phipps Group, LLC | $246,498,281 | 13,353,103 | 32.84% | Shares |
| Allianz Asset Management GmbH | $233,293,123 | 12,637,764 | 31.08% | Shares |
| Beach Point Capital Management LP | $121,510,735 | 6,582,380 | 16.19% | Shares |
| BlackRock, Inc. | $27,502,205 | 1,489,827 | 3.66% | Shares |
| HBK INVESTMENTS L P | $13,614,250 | 737,500 | 1.81% | Put option |
| DIMENSIONAL FUND ADVISORS LP | $12,121,462 | 656,725 | 1.62% | Shares |
| VANGUARD GROUP INC | $11,512,831 | 554,568 | 1.53% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $9,331,622 | 505,505 | 1.24% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $8,990,223 | 487,011 | 1.20% | Shares |
| AMERICAN CENTURY COMPANIES INC | $6,593,894 | 357,199 | 0.88% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,032,176 | 272,540 | 0.67% | Shares |
| STATE STREET CORP | $4,610,034 | 249,731 | 0.61% | Shares |
| GOLDMAN SACHS GROUP INC | $4,344,136 | 235,327 | 0.58% | Shares |
| D. E. Shaw & Co., Inc. | $2,291,440 | 124,130 | 0.31% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $2,287,231 | 123,902 | 0.30% | Shares |
| Man Group plc | $2,158,436 | 116,925 | 0.29% | Shares |
| Qube Research & Technologies Ltd | $2,152,528 | 116,605 | 0.29% | Shares |
| WOLVERINE TRADING, LLC | $1,938,912 | 106,300 | 0.26% | Put option |
| MORGAN STANLEY | $1,892,704 | 102,530 | 0.25% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,886,427 | 102,190 | 0.25% | Shares |
| NORTHERN TRUST CORP | $1,700,923 | 92,141 | 0.23% | Shares |
| TUDOR INVESTMENT CORP ET AL | $1,683,903 | 91,219 | 0.22% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,652,152 | 89,499 | 0.22% | Shares |
| NFJ INVESTMENT GROUP, LLC | $1,340,399 | 72,611 | 0.18% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,320,739 | 71,546 | 0.18% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,247,822 | 67,596 | 0.17% | Shares |
| WOLVERINE TRADING, LLC | $1,245,792 | 68,300 | 0.17% | Call option |
| Bank of New York Mellon Corp | $1,016,407 | 55,060 | 0.14% | Shares |
| Creative Planning | $1,012,586 | 54,853 | 0.13% | Shares |
| CITADEL ADVISORS LLC | $997,339 | 54,027 | 0.13% | Shares |
| HSBC HOLDINGS PLC | $970,225 | 53,574 | 0.13% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $948,844 | 51,400 | 0.13% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $919,456 | 49,808 | 0.12% | Shares |
| Beach Point Capital Management LP | $829,105 | 3,891 | 0.11% | Call option |
| JPMORGAN CHASE & CO | $788,334 | 43,772 | 0.11% | Shares |
| Mariner, LLC | $775,747 | 42,023 | 0.10% | Shares |
| Quantinno Capital Management LP | $705,929 | 38,241 | 0.09% | Shares |
| WOLVERINE TRADING, LLC | $659,850 | 36,176 | 0.09% | Shares |
| XTX Topco Ltd | $652,284 | 35,335 | 0.09% | Shares |
| BANK OF AMERICA CORP /DE/ | $613,260 | 33,221 | 0.08% | Shares |
| FIRST TRUST ADVISORS LP | $603,198 | 32,676 | 0.08% | Shares |
| Trexquant Investment LP | $576,580 | 31,234 | 0.08% | Shares |
| Russell Investments Group, Ltd. | $540,269 | 29,267 | 0.07% | Shares |
| ALPS ADVISORS INC | $531,648 | 28,800 | 0.07% | Shares |
| UBS Group AG | $493,011 | 26,707 | 0.07% | Shares |
| HAP Trading, LLC | $438,244 | 24,159 | 0.06% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $436,136 | 23,626 | 0.06% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $427,663 | 23,167 | 0.06% | Shares |
| Squarepoint Ops LLC | $390,872 | 21,174 | 0.05% | Shares |
| Empowered Funds, LLC | $390,780 | 21,169 | 0.05% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| SPG GP, LLC, Ian K. Snow, Snow Phipps Group AIV, L.P., Snow Phipps Group (RPV), L.P., Snow Phipps Group (B), L.P., Snow Phipps Group AIV (Offshore), L.P., SPG Co-Investment, L.P. ×5 filings | Aug. 12, 2025 | 34.70% | Amendment | · | SEC |
| Pacific Investment Management Company LLC ×8 filings | May 1, 2025 | 33.10% | Amendment | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 11 insiders · 6 officers · 4 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Christopher D. Farrar | Chief Executive Officer | June 30, 2026 J | 399,665 | 0 | 0 | $0 |
| Mark R Szczepaniak | Chief Financial Officer | Sept. 10, 2026 S | 64,400 | 0 | 13 | $-355,767 |
| Roland Thomas Kelly | Chief Legal Officer and GC | Sept. 1, 2026 S | 98,139 | 0 | 7 | $-577,196 |
| Christopher J Oltmann | Corporate Treasurer | Feb. 14, 2022 A | 26,718 | 0 | 0 | $0 |
| Joseph A Cowell | See below | Jan. 15, 2021 A | 32,222 | 0 | 0 | $0 |
| Graham M Comley | Chief Information Officer, Velocity Commercial Capital LLC | Jan. 15, 2021 A | 30,100 | 0 | 0 | $0 |
| Joy L. Schaefer | Director | May 26, 2026 D | 40,798 | 0 | 0 | $0 |
| John Pitstick | Director | May 26, 2026 D | 59,410 | 0 | 0 | $0 |
| Dorika M Beckett | Director | May 21, 2026 A | 41,311 | 0 | 0 | $0 |
| Fiona Tam | · | Aug. 11, 2026 S | 47,129 | 0 | 2 | $-24,700 |
| Jeffrey T. Taylor | · | Aug. 11, 2026 S | 172,490 | 0 | 7 | $-450,713 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 24 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| EBIT · Harbor ETF Trust | 0.15% | 1,027 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.05% | 42,056 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 11,185 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 61,710 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 71,045 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 79,855 NS | July 31, 2026 | N-PORT |
| ISCG · iShares Trust | 0.01% | 4,783 SH | Sept. 11, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 316,169 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,924 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,122 SH | Sept. 25, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 51,321 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 762 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 2,524 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,729 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 31,853 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 8,033 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 4,848 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,401 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 113,311 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 361,986 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 735 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.00% | 19,225 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 128,009 SH | Sept. 11, 2026 | Daily |
| ISCB · iShares Trust | · | 1,082 SH | Sept. 11, 2026 | Daily |
VEL Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$22.00
+50.8%
2 28.6%
Strong Buy
3 42.9%
Buy
1 14.3%
Hold
1 14.3%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-10-02Mean target $21.50 +47.4%
← Below all targets
Current price $14.59
Low$19.00
Mean$21.50
High$23.50
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| VEL | $822M | 7.5 | 36.8% | 56.5% | 17.7% | · |
| MBIN | · | · | · | · | · | · |
| AGM | · | 10.6 | 8.9% | 50.8% | 12.7% | · |
| UWMC | · | 36.5 | 18.2% | 0.87% | 1.6% | · |
| WD | $2.01B | 36.7 | 9.0% | 4.6% | 3.2% | · |
| WSBF | $304M | 11.2 | 4.8% | 18.6% | 7.6% | · |
| SNFCA | · | 7.2 | 3.0% | 9.3% | 8.4% | · |
| ONIT | $390M | 2.1 | 9.3% | 17.8% | 34.2% | · |
| BETR | · | · | · | · | · | · |
| LDI | · | -4.6 | -93.7% | -609.7% | -15.2% | · |
| GHI | · | -13.2 | -6.4% | -8.9% | · | · |
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 6, 2026