Velocity Financial Llc (VEL)
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Appears in These Scanners
This stock currently matches 4 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 17.60 $ — 29% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 42.2% passed
- More than 10% revenue growth is expected for the coming year 18.3% passed
- Share count grows by less than 3% a year 3.8% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 50.5% passed
- Gross margin at 40% or higher and without meaningful erosion 95.3% failed
- Goodwill from acquisitions does not grow faster than revenue 0.1% passed
- Net debt below twice EBITDA 12.6 x EBITDA failed
- Operating cash flow covers the profits of the last three years -109 m failed
- Return on capital at 15% or higher, or up versus two years ago 7.4% passed
- Insiders hold at least 10% or are net buyers 3.0% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 24.0% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.71 | 2.65 – 2.75 | 208 | -6.9% | 3 |
| 12/31/2027 | 3.00 | 2.95 – 3.05 | 246 | 10.7% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.65 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.57 | 15.00 | 125 | 21.10 | 16.50 | 33 | 33 |
| 2025: Q1 | 0.50 | 2.70 | 119 | 20.90 | 15.40 | 4 | 3 |
| 2025: Q2 | 0.69 | 65.70 | 166 | 45.10 | 15.70 | 8 | 8 |
| 2025: Q3 | 0.65 | 48.50 | 172 | 44.40 | 14.70 | 12 | 11 |
| 2025: Q4 | 0.91 | 59.80 | 182 | 46.00 | 19.10 | -5 | -5 |
| 2026: Q1 | 0.57 | 14.20 | 168 | 40.80 | 13.30 | 12 | 12 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 75 | 7 | 7 | 0.58 | 30 | 1,133 | 1,133 |
| 2017 | 95 | 14 | 14 | 1.19 | 38 | 131 | 1,372 |
| 2018 | 122 | 19 | 8 | 0.65 | -72 | 140 | 1,738 |
| 2019 | 153 | 25 | 17 | 0.86 | -105 | 153 | 2,215 |
| 2020 | 166 | 23 | 18 | 0.89 | 55 | 220 | 2,103 |
| 2021 | 181 | 40 | 29 | 0.86 | 58 | 344 | 2,812 |
| 2022 | 248 | 45 | 32 | 0.94 | 49 | 381 | 3,749 |
| 2023 | 132 | 77 | 52 | 1.52 | 61 | 433 | 4,405 |
| 2024 | 483 | 96 | 68 | 1.91 | 38 | 517 | 5,527 |
| 2025 | 714 | 511 | 105 | 2.75 | 18 | 673 | 7,382 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Velocity Financial, Inc. ist ein Immobilienfinanzierungsunternehmen in den USA.
| Employees | 364 |
|---|---|
| Headquarters | Westlake Village, CA |
| Address | 2945 Townsgate Road, 91361 Westlake Village, United States |
| Phone | 818 532 3700 |
| Website | velfinance.com |
| IPO Date | 17. Jan 2020 |
| ISIN | US92262D1019 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Christopher D. Farrar | Co-Founder, CEO, President & Director | 1967 |
| Mark R. Szczepaniak | Chief Financial Officer | 1958 |
| Jeffrey T. Taylor | Executive Vice President of Capital Markets | 1969 |
| Joseph A. Cowell | Chief Operating Officer | 1980 |
| Fiona Tam | Chief Accounting Officer | 1971 |
| Dean Thevaos | Chief Technology Officer | – |
| Christopher J. Oltmann | Corporate Treasurer & Director of Investor Relations | 1966 |
| Roland Thomas Kelly J.D. | Chief Legal Officer, General Counsel & Corporate Secretary | 1971 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Szczepaniak Mark R | Chief Financial Officer | Sell | 400 | 18.00 | 7,200 |
| 7. Jul 2026 | Tam Fiona | Chief Accounting Officer | Sell | 68 | 19.00 | 1,292 |
| 7. Jul 2026 | Taylor Jeffrey T. | Executive VP, Capital Markets | Sell | 2,165 | 19.00 | 41,135 |
| 17. Apr 2026 | Jeffrey T Taylor | VP | Sell | 2,130 | 20.00 | 42,600 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.