VEL - NYSE

Velocity Financial, Inc.

Velocity Financial, Inc.

VEL·NYSE

$17.13

-1.0%
Financial ServicesFinancial - Mortgages

Velocity Financial, Inc. operates as a real estate finance company in the United States. It primarily originates and manages investor loans secured by 1–4 unit residential rental and small commercial properties. The company offers its products through a network of independent mortgage brokers. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$672.44M
EPS2.8100
P/E Ratio6.10
Earnings Date08/06/2026
Velocity Financial, Inc.

Velocity Financial, Inc. Fair Value Envelope

VEL · NYSE

Our analysis suggests that VEL has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $17.13, this represents a potential HIDDEN relative to our calculated worth for Velocity Financial, Inc..

HIDDEN
Intrinsic Value
Current Price: $17.13

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$15.7M
+ Cash & Equivalents$92.1M
Firm Value$107.8M
- Debt$6.5B
Equity Value-$6.4B
/ Shares Outstanding38,438,579B
DCF Value-$167
OVERVALUED BY 1076%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$9.1M
$4.5M
$2.3M
$1.1M
$567.5K
$283.8K
$141.9K
$70.9K
$35.5K
$17.7K
Maintenance CapEx
-$28.1K
-$14.1K
-$7.0K
-$3.5K
-$1.8K
-$878
-$439
-$220
-$110
-$55
Owner Earnings
$9.1M
$4.5M
$2.3M
$1.1M
$565.8K
$282.9K
$141.4K
$70.7K
$35.4K
$17.7K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$8.4M
$3.9M
$1.8M
$831.7K
$385.1K
$178.3K
$82.5K
$38.2K
$17.7K
$8.2K
Terminal Value represents 0.9% of Enterprise Value

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