VEL - NYSE

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 14 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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$672.44M

EPS2.8100

P/E Ratio6.10

Earnings Date08/06/2026

7.38B

Assets

34%

3Y+97.0%

5Y+251.0%

10Y+551.0%

6.71B

Total Liabilities

34%

3Y+99.0%

5Y+256.0%

10Y+581.0%

675.69M

Total Equity

30%

3Y+78.0%

5Y+208.0%

10Y-67.0%

Velocity Financial, Inc. Funding & Solvency Profile

VEL · NYSE

Current Assets

Cash & Cash Equivalents92.10M

Net Receivables51.58M

Inventory0.00

Other Current Assets-2.71M

Total Current Assets144 M

Non-Current Assets

Property, Plant & Equipment1.42M

Goodwill & Intangible Assets6.78M

Long-Term Investments66.00K

Other Non-Current Assets-66.00K

Total Non-Current Assets1 M

Total Assets

7.38B

Financial Health Analysis

Current Ratio

0.30x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.92x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-333142000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

2% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Velocity Financial, Inc. Balance Sheet

VEL • NYSE

Velocity Financial, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	92.1M	50.1M	40.8M	45.4M	36.1M	13.9M	22.6M	15M	15.4M	50M	12.3M	5.6M
Cash & Short-Term Investments	92.1M	50.1M	40.8M	45.4M	36.1M	13.9M	22.6M	15M	15.4M	50M	12.3M	5.6M
Net Receivables	51.6M	160.1M	120.9M	95.5M	89.3M	86.5M	67.7M	52.7M	34.3M	0.0	18.9M	7.1M
Accounts Receivables	51.6M	35.2M	27M	20.5M	13.2M	11.4M	13.3M	10.1M	7.7M	0.0	0.0	0.0
Other Receivables	0.0	124.9M	93.8M	75M	76.1M	75.1M	54.4M	42.6M	26.6M	28.6M	18.9M	7.1M
Prepaids	2.7M	2.1M	2M	1.8M	1.6M	1.3M	1.6M	1.1M	0.0	0.0	0.0	0.0
Other Current Assets	-2.7M	0.0	0.0	0.0	-1.6M	0.0	0.0	0.0	0.0	0.0	-31.2M	-12.7M
Total Current Assets	143.7M	212.3M	163.7M	142.8M	125.4M	101.7M	91.9M	68.9M	50.2M	50M	31.9M	0.0
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	1.4M	4.2M	5.3M	5.8M	7.6M	8.9M	10.7M	5.5M	5.8M	3.9M	1.5M	690K
Goodwill	6.8M	6.8M	6.8M	6.8M	6.8M	0.0	0.0	4.3M	0.0	0.0	0.0	0.0
Intangible Assets	0.0	13.7M	8.6M	9.2M	7.2M	0.0	0.0	4.8M	4.9M	0.0	0.0	0.0
Goodwill & Intangible Assets	6.8M	20.5M	15.4M	16M	13.9M	0.0	0.0	9.1M	4.9M	0.0	0.0	0.0
Long-Term Investments	66K	5.2B	4.2B	3.5B	2.6B	2B	2.1B	0.0	0.0	0.0	0.0	0.0
Tax Assets	22.7M	13.6M	2.3M	5M	0.0	6.7M	8.3M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	-66K	89.9M	66.3M	31M	-2.6B	22.8M	23.2M	-14.6M	-10.7M	1.1B	-1.5M	-690K
Total Non-Current Assets	30.9M	5.3B	4.2B	3.6B	21.5M	2B	2.1B	1.7B	1.4B	1.1B	880.7M	0.0
Other Assets	7.2B	0.0	0.0	0.0	2.7B	0.0	0.0	-63M	-39.7M	0.0	0.0	448.5M
Total Assets	7.4B	5.5B	4.4B	3.7B	2.8B	2.1B	2.2B	1.7B	1.4B	1.1B	912.6M	448.5M
LIABILITIES
CURRENT LIABILITIES
Total Payables	168.3M	147.8M	122M	91.5M	92.2M	63.4M	56.1M	26.8M	22M	0.0	0.0	0.0
Accounts Payable	168.3M	147.8M	122M	91.5M	92.2M	63.4M	56.1M	26.8M	22M	0.0	0.0	0.0
Short Term Debt	309.5M	348.1M	334.8M	330.8M	301.1M	75.9M	421.5M	0.0	0.0	0.0	0.0	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	208.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	-994K	0.0	0.0	0.0	-602.1M	0.0	0.0	-26.8M	0.0	0.0	0.0	0.0
Total Current Liabilities	476.8M	495.9M	456.7M	422.3M	0.0	139.3M	477.7M	26.8M	22M	2B	0.0	0.0
NON-CURRENT LIABILITIES
Long Term Debt	6.2B	4.5B	3.5B	2.9B	2.1B	1.7B	1.6B	1.5B	1.2B	972.5M	817.7M	365.5M
Deferred Tax Liabilities (Non-Current)	2.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	165.2M	0.0	3.7M	0.0	393.3M	90M	0.0	-1.5B	22M	0.0	8.6M	-365.5M
Total Non-Current Liabilities	6.4B	4.5B	3.5B	2.9B	2.5B	1.7B	1.6B	1.6B	1.2B	972.5M	826.2M	0.0
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-26.8M	2.7M	-1.9B	0.0	369.3M
Capital Lease Obligations	2.1M	0.0	0.0	0.0	0.0	0.0	0.0	26.5M	24.7M	23M	0.0	0.0
Total Liabilities	6.7B	5B	4B	3.4B	2.5B	1.9B	2.1B	1.6B	1.2B	984.7M	826.2M	369.3M
SHAREHOLDERS' EQUITY
Treasury Stock	-10.2M	-2.9M	-1.3M	-458K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	26.5M	24.7M	23M	0.0	0.0
Common Stock	398K	339K	331K	326K	323K	201K	0.0	136.8M	130.9M	125.3M	86.4M	79.3M
Additional Paid-In Capital	382.6M	323M	306.7M	300.3M	296.4M	204.2M	0.0	0.0	0.0	0.0	0.0	0.0
Retained Earnings	302.4M	197.3M	128.9M	76.6M	44.4M	15.2M	0.0	0.0	0.0	148.4M	0.0	0.0
Accumulated Other Comprehensive Income/Loss	-2.6M	-805K	-1.2M	0.0	0.0	0.0	0.0	-4M	-2.7M	148.4M	0.0	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	152.8M	4M	-22M	688M	0.0	0.0
Total Stockholders' Equity	672.5M	516.9M	433.4M	376.8M	341.1M	219.6M	152.8M	163.3M	130.9M	1.1B	86.4M	79.3M
Total Equity	675.7M	520.2M	436.9M	380.5M	344.5M	219.6M	152.8M	163.3M	130.9M	2.1B	86.4M	79.3M
Minority Interest	3.2M	3.3M	3.4M	3.7M	3.4M	0.0	0.0	0.0	0.0	920.7M	0.0	0.0
SUMMARY
Total Liabilities & Equity	7.4B	5.5B	4.4B	3.7B	2.8B	2.1B	2.2B	1.7B	1.4B	972.5M	912.6M	448.5M
Total Investments	66K	5.2B	4.2B	3.5B	2.6B	2B	2.1B	-1.7B	-1.4B	-1.8M	0.0	0.0
Total Debt	6.5B	4.9B	3.8B	3.3B	2.4B	1.7B	2B	1.5B	1.2B	1B	817.7M	365.5M
Net Debt	6.4B	4.8B	3.8B	3.2B	2.3B	1.7B	2B	1.5B	1.2B	995.7M	805.4M	359.9M
Shares Outstanding	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579	38,438,579

SEC Filings

VEL - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 26, 2026	May 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 06, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 06, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 10, 2026	May 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 13, 2026	March 11, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 12, 2026	March 11, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 28, 2026	2026	View Filing

Showing 1 to 10 of 133 filings

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