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Financial Services - Financial - Mortgages - NYSE - US
$ 16.85
-0.531 %
$ 615 M
Market Cap
8.73
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one VEL stock under the worst case scenario is HIDDEN Compared to the current market price of 16.9 USD, Velocity Financial, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one VEL stock under the base case scenario is HIDDEN Compared to the current market price of 16.9 USD, Velocity Financial, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one VEL stock under the best case scenario is HIDDEN Compared to the current market price of 16.9 USD, Velocity Financial, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart VEL

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$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.515 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
212 M REVENUE
60.75%
101 M OPERATING INCOME
31.95%
68.5 M NET INCOME
30.93%
37.8 M OPERATING CASH FLOW
-22.69%
-1.05 B INVESTING CASH FLOW
-78.73%
1.02 B FINANCING CASH FLOW
89.68%
119 M REVENUE
-4.50%
-6.03 M OPERATING INCOME
-5.63%
18.6 M NET INCOME
-8.25%
3.54 M OPERATING CASH FLOW
-89.37%
-401 M INVESTING CASH FLOW
-12.73%
402 M FINANCING CASH FLOW
23.02%
Balance Sheet Velocity Financial, Inc.
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Current Assets 86.5 M
Cash & Short-Term Investments 49.9 M
Receivables 36.6 M
Other Current Assets 0
Non-Current Assets 22 M
Long-Term Investments 0
PP&E 1.65 M
Other Non-Current Assets 20.4 M
45.98 %33.72 %18.78 %Total Assets$108.5m
Current Liabilities 496 M
Accounts Payable 148 M
Short-Term Debt 348 M
Other Current Liabilities 0
Non-Current Liabilities 4.51 B
Long-Term Debt 4.51 B
Other Non-Current Liabilities 0
2.95 %6.95 %90.10 %Total Liabilities$5.0b
EFFICIENCY
Earnings Waterfall Velocity Financial, Inc.
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Revenue 212 M
Cost Of Revenue 0
Gross Profit 212 M
Operating Expenses 140 M
Operating Income 101 M
Other Expenses 32.9 M
Net Income 68.5 M
250m250m200m200m150m150m100m100m50m50m00212m0212m(140m)101m(33m)68mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
47.89% OPERATING MARGIN
47.89%
32.31% NET MARGIN
32.31%
13.24% ROE
13.24%
1.24% ROA
1.24%
-183.35% ROIC
-183.35%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Velocity Financial, Inc.
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60m60m40m40m20m20m00(20m)(20m)(40m)(40m)(60m)(60m)(80m)(80m)(100m)(100m)(120m)(120m)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 68.5 M
Depreciation & Amortization 2 M
Capital Expenditures -289 K
Stock-Based Compensation 6.16 M
Change in Working Capital 0
Others -27.7 M
Free Cash Flow 37.5 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Velocity Financial, Inc.
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Wall Street analysts predict an average 1-year price target for VEL of $22.5 , with forecasts ranging from a low of $22 to a high of $23 .
VEL Lowest Price Target Wall Street Target
22 USD 30.56%
VEL Average Price Target Wall Street Target
22.5 USD 33.53%
VEL Highest Price Target Wall Street Target
23 USD 36.50%
Price
Max Price Target
Min Price Target
Average Price Target
23232222212120201919181817171616Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Velocity Financial, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Velocity Financial, Inc. (VEL) Q1 2025 Earnings Call Transcript Velocity Financial, Inc. (NYSE:VEL ) Q1 2025 Results Conference Call May 1, 2025 5:00 PM ET Company Participants Chris Oltmann - Director, Investor Relations Chris Farrar - President & Chief Executive Officer Mark Szczepaniak - Chief Financial Officer Conference Call Participants Don Fandetti - Wells Fargo Eric Hagan - BTIG Steve Delaney - Citizen Capital Markets Operator Good day, and welcome to Velocity Financial, Inc's. First Quarter 2025 Conference Call. seekingalpha.com - 2 weeks ago
Velocity Financial, Inc. Reports First Quarter 2025 Results WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE: VEL) (Velocity or the Company), a leader in business purpose loans, reported net income of $18.9 million and core net income of $20.3 million for 1Q25, compared to net income of $17.3 million and core net income of $18.2 million for 1Q24. Earnings and core earnings per diluted share were $0.51 and $0.55, respectively, for 1Q25, compared to $0.49 and $0.51 for 1Q24. “We began 2025 with tremendous momentum, delivering a ne. businesswire.com - 2 weeks ago
How Velocity Financial (VEL) Stock Stands Out in a Strong Industry Velocity Financial (VEL) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well. zacks.com - 1 month ago
Velocity Financial Is Firing On All Cylinders Velocity Financial produced another strong quarter, with shares still in the same trading range, and management is optimistic about FY25. The company's business is less rate-sensitive, focusing on real estate investors needing capital for property acquisition and management. Velocity's vertically integrated model involves originating, securitizing, and managing loans secured by various real estate types. seekingalpha.com - 2 months ago
Velocity Financial, Inc. (VEL) Q4 2024 Earnings Call Transcript Velocity Financial, Inc. (NYSE:VEL ) Q4 2024 Earnings Conference Call March 6, 2025 5:00 PM ET Company Participants Chris Oltmann - Director, Investor Relations Chris Farrar - President & Chief Executive Officer Mark Szczepaniak - Chief Financial Officer Conference Call Participants Steven Laws - Raymond James Steve Delaney - Citizen Capital Markets Eric Hagan - BTIG Operator Good day and welcome to the Velocity Financial Fourth Quarter and Full Year 2024 Conference Call. All participants will be in listen-only mode. seekingalpha.com - 2 months ago
Velocity Financial (VEL) Beats Q4 Earnings and Revenue Estimates Velocity Financial (VEL) came out with quarterly earnings of $0.60 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.46 per share a year ago. zacks.com - 2 months ago
Velocity Financial, Inc. Reports Fourth Quarter and Full Year 2024 Results WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE: VEL) (Velocity or the Company), a leader in business purpose loans, reported net income of $68.4 million and core net income of $72.9 million for the full year 2024, compared to net income of $52.3 million and core net income of $53.4 million for the full year 2023. Earnings and core earnings per diluted share were $1.91 and $2.03, respectively, for the full year 2024, compared to $1.52 and $1.54 for the full year 2023. businesswire.com - 2 months ago
Velocity Financial, Inc. Announces Date of Fourth Quarter and Full-Year 2024 Financial Results Webcast and Conference Call WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE:VEL) (“Velocity” or “Company”), a leader in commercial investor loans, will release its fourth quarter and full-year 2024 results after the market close on Thursday, March 6, 2025. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in lis. businesswire.com - 3 months ago
Velocity Financial price target raised to $23 from $20 at BTIG BTIG raised the firm's price target on Velocity Financial to $23 from $20 and keeps a Buy rating on the shares after its Q3 results. The stock's valuation has remained especially stable against this recent move up in rates, unlike the majority of residential and commercial lenders whose read-thru for forward loan production may be more sensitive to current conditions, the analyst tells investors in a research note. Velocity shares are also reflecting a somewhat "ideal" size/scale for this environment, where it's become big and established enough to have a book of repeat business, while at the same time there's easily room for the balance sheet to be bigger, BTIG added. https://thefly.com - 6 months ago
Velocity Financial, Inc. (VEL) Q3 2024 Earnings Call Transcript Velocity Financial, Inc. (NYSE:VEL ) Q3 2024 Earnings Conference Call November 7, 2024 5:00 PM ET Company Participants Chris Oltmann - Director of Investor Relations Chris Farrar - President & CEO Mark Szczepaniak - CFO Conference Call Participants Stephen Laws - Raymond James Don Fandetti - Wells Fargo Steve Delaney - Citizens JMP Securities Eric Hagen - BTIG Operator Good day and welcome to the Velocity Financial Third Quarter 2024 Conference Call. All participants will be in listen-only mode. seekingalpha.com - 6 months ago
Velocity Financial (VEL) Meets Q3 Earnings Estimates Velocity Financial (VEL) came out with quarterly earnings of $0.47 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.37 per share a year ago. zacks.com - 6 months ago
Velocity Financial, Inc. Announces Date of Third Quarter 2024 Financial Results Webcast and Conference Call WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE:VEL) (“Velocity” or “Company”), a leader in commercial investor loans, will release its third quarter 2024 results after the market close on Thursday, November 7, 2024. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mod. businesswire.com - 6 months ago
8. Profile Summary

Velocity Financial, Inc. VEL

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COUNTRY US
INDUSTRY Financial - Mortgages
MARKET CAP $ 615 M
Dividend Yield 0.00%
Description 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.
Contact 30699 Russell Ranch Road, Westlake Village, CA, 91362 https://www.velfinance.com
IPO Date Jan. 17, 2020
Employees 309
Officers Mr. Mark R. Szczepaniak Chief Financial Officer Mr. Christopher J. Oltmann Corporate Treasurer & Director of Investor Relations Ms. Fiona Tam Chief Accounting Officer Mr. Jeffrey T. Taylor Executive Vice President of Capital Markets Mr. Roland Thomas Kelly J.D. Chief Legal Officer, General Counsel & Corporate Secretary Mr. Joseph A. Cowell Chief Operating Officer Mr. Christopher D. Farrar Co-Founder, Chief Executive Officer, President & Director