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Velocity Financial, Inc.

$17.97 -$1.57 (-8.03%)
NYSE · 11 Sep 2026 20:00 UTC
Previous Close
$18.12
Day Range
$17.92$18.4
Year Range
$16.65$21.39
Market Cap
705.42M
AVG Volume
99.77K
Trailing/Forward PE
6.46/5.93
PEG ratio
0.81
Dividend Yield
-
Next Earnings Date
2026-11-05
Primary Exchange
New York Stock ExchangeUS
Revenue (USD)
050M100M150M200M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q2178.75M
26 Q1167.92M
25 Q4182.32M
25 Q3172.29M
25 Q2166.02M
25 Q1119.26M
24 Q4124.89M
24 Q3119.28M
24 Q2114.41M
24 Q198.61M
Net Income (USD)
010M20M30M40M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q225.16M
26 Q122.36M
25 Q434.8M
25 Q325.37M
25 Q226M
25 Q118.41M
24 Q420.59M
24 Q315.8M
24 Q214.78M
24 Q117.25M
Operating Income (USD)
-50M050M100M150M200M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q2154.05M
26 Q1146.9M
25 Q4159.49M
25 Q335.38M
25 Q233.92M
25 Q1-6.03M
24 Q4107.23M
24 Q321.24M
24 Q219.87M
24 Q187.75M
EBITDA (USD)
050M100M150M200M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q2147.67M
26 Q1140.04M
25 Q4151.59M
25 Q335.7M
25 Q234.26M
25 Q1102.12M
24 Q4107.23M
24 Q321.86M
24 Q220.43M
24 Q187.27M
Cash Flows (USD)
-20M020M40M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q23.69M
26 Q112M
25 Q4-4.57M
25 Q311.31M
25 Q27.58M
25 Q13.44M
24 Q433.17M
24 Q3-17.64M
24 Q211.39M
24 Q110.54M
EPS (USD)
00.250.50.75124 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL EPS (USD) by quarter
PeriodEPS (USD)
26 Q20.63
26 Q10.56
25 Q40.9
25 Q30.65
25 Q20.68
25 Q10.51
24 Q40.56
24 Q30.43
24 Q20.41
24 Q10.48
Expenses (USD)
010M20M30MSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q22.27M
26 Q15.82M
25 Q476K
25 Q323.72M
25 Q222.98M
25 Q11.88M
24 Q423.51M
24 Q318.17M
24 Q217.26M
24 Q115.9M
Cash & Debt (USD)
02B4B6B8BCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q2245.2M
26 Q187.05M
25 Q492.1M
25 Q398.96M
25 Q279.56M
25 Q151.68M
24 Q450.11M
24 Q344.09M
24 Q247.37M
24 Q159.05M
Debt ratios
010203024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Debt ratios by quarter
PeriodDebt ratios
26 Q214.33
26 Q118.35
25 Q419.91
25 Q321.67
25 Q221.21
25 Q120.66
24 Q420.31
24 Q329.67
24 Q228.37
24 Q127.43
Margins
0%25%50%75%100%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Margins by quarter
PeriodMargins
26 Q288.24%
26 Q191.56%
25 Q490.54%
25 Q344.62%
25 Q246.04%
25 Q131.89%
24 Q485.82%
24 Q341.36%
24 Q242.7%
24 Q191.66%
Return on Capital
0%2%4%6%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Return on Capital by quarter
PeriodReturn on Capital
26 Q23.47%
26 Q13.21%
25 Q45.15%
25 Q33.98%
25 Q24.33%
25 Q13.25%
24 Q43.96%
24 Q33.24%
24 Q23.11%
24 Q13.78%
Shares Outstanding
010M20M30M40M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Shares Outstanding by quarter
PeriodShares Outstanding
26 Q238.73M
26 Q138.63M
25 Q436.85M
25 Q338.07M
25 Q237.19M
25 Q133.69M
24 Q432.65M
24 Q332.71M
24 Q232.59M
24 Q132.54M
Book Value Per Share (USD)
0510152024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q218.72
26 Q118.03
25 Q418.34
25 Q316.74
25 Q216.16
25 Q116.81
24 Q415.93
24 Q314.91
24 Q214.57
24 Q114.03
Total Assets (USD)
02B4B6B8B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
VEL Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q27.96B
26 Q17.59B
25 Q47.38B
25 Q36.96B
25 Q26.48B
25 Q15.97B
24 Q45.53B
24 Q35.2B
24 Q24.87B
24 Q14.63B
Employee Count
01002003004002019202020212022202320242025
VEL Employee Count by quarter
PeriodEmployee Count
2025371
2024309
2023253
2022194
2021215
2020175
2019262
PE Ratio
681012med 8.27Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
VEL PE Ratio by quarter
PeriodPE Ratio
Sep 266.46
Sep 266.63
Aug 266.48
Aug 266.6
Aug 266.53
Aug 266.64
Jul 266.24
Jul 266.2
Jul 266.23
Jul 266.15
Jul 266.61
Jun 266.48
Jun 266.24
Jun 266.25
Jun 266.21
May 266.23
May 266.11
May 266.04
May 266.49
May 266.84
Apr 266.86
Apr 267.01
Apr 266.74
Apr 266.43
Mar 266.28
Mar 266.08
Mar 266.13
Mar 267.58
Feb 267.83
Feb 268.01
Feb 268.33
Feb 268.63
Jan 268.55
Jan 268.17
Jan 268.19
Jan 267.84
Jan 268.23
Dec 258.22
Dec 258.23
Dec 258.25
Dec 257.94
Nov 258.14
Nov 257.73
Nov 257.74
Nov 257.97
Oct 258.57
Oct 258.62
Oct 258.27
Oct 258.36
Oct 258.3
Sep 258.51
Sep 258.51
Sep 258.62
Sep 258.81
Aug 258.78
Aug 258.83
Aug 258.74
Aug 258.09
Aug 257.92
Jul 258.47
Jul 258.45
Jul 258.74
Jul 259.02
Jun 259.11
Jun 259.01
Jun 259.31
Jun 258.28
May 258.11
May 257.98
May 258.07
May 257.89
May 258.29
Apr 258.48
Apr 258.32
Apr 258.01
Apr 258.57
Mar 258.85
Mar 258.97
Mar 259.21
Mar 2510.28
Feb 259.45
Feb 259.26
Feb 259.31
Feb 259.34
Jan 259.3
Jan 259.24
Jan 259.5
Jan 259.39
Jan 259.59
Dec 249.89
Dec 2410.15
Dec 2410.29
Dec 2410.35
Nov 2410.27
Nov 2410.22
Nov 2410.01
Nov 249.95
Nov 2410.1
Oct 2410.19
Oct 2410.38
Free Cash Flow Yield
2%4%6%8%10%med 3.97%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
VEL Free Cash Flow Yield by quarter
PeriodFree Cash Flow Yield
Sep 263.22%
Sep 263.14%
Aug 263.22%
Aug 263.16%
Aug 263.19%
Aug 263.14%
Jul 263.89%
Jul 263.91%
Jul 263.89%
Jul 263.95%
Jul 263.67%
Jun 263.74%
Jun 263.89%
Jun 263.88%
Jun 263.9%
May 263.89%
May 263.97%
May 264.02%
May 263.74%
May 262.48%
Apr 262.48%
Apr 262.42%
Apr 262.52%
Apr 262.64%
Mar 262.71%
Mar 262.79%
Mar 262.77%
Mar 268.1%
Feb 267.84%
Feb 267.66%
Feb 267.38%
Feb 267.11%
Jan 267.18%
Jan 267.52%
Jan 267.5%
Jan 267.83%
Jan 267.46%
Dec 257.47%
Dec 257.46%
Dec 257.44%
Dec 257.73%
Nov 257.54%
Nov 257.94%
Nov 257.94%
Nov 257.71%
Oct 253.84%
Oct 253.81%
Oct 253.98%
Oct 253.93%
Oct 253.96%
Sep 253.86%
Sep 253.86%
Sep 253.81%
Sep 253.73%
Aug 253.74%
Aug 253.72%
Aug 253.76%
Aug 254.06%
Aug 255.51%
Jul 255.15%
Jul 255.16%
Jul 254.99%
Jul 254.84%
Jun 254.79%
Jun 254.84%
Jun 254.69%
Jun 255.27%
May 255.38%
May 255.47%
May 255.41%
May 255.53%
May 255.26%
Apr 256.46%
Apr 256.58%
Apr 256.83%
Apr 256.39%
Mar 256.19%
Mar 256.1%
Mar 255.95%
Mar 253.62%
Feb 253.94%
Feb 254.02%
Feb 254%
Feb 253.99%
Jan 254%
Jan 254.03%
Jan 253.92%
Jan 253.97%
Jan 253.88%
Dec 243.77%
Dec 243.67%
Dec 243.62%
Dec 243.6%
Nov 243.63%
Nov 243.64%
Nov 243.72%
Nov 243.75%
Nov 245.18%
Oct 245.13%
Oct 245.04%
Price to Sales
0.811.21.41.6med 1.27Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
VEL Price to Sales by quarter
PeriodPrice to Sales
Sep 260.99
Sep 261.02
Aug 260.99
Aug 261.01
Aug 261
Aug 261.02
Jul 260.98
Jul 260.98
Jul 260.98
Jul 260.97
Jul 261.04
Jun 261.02
Jun 260.98
Jun 260.99
Jun 260.98
May 260.98
May 260.96
May 260.95
May 261.02
May 261.12
Apr 261.12
Apr 261.15
Apr 261.1
Apr 261.05
Mar 261.03
Mar 260.99
Mar 261
Mar 261.18
Feb 261.22
Feb 261.24
Feb 261.29
Feb 261.34
Jan 261.33
Jan 261.27
Jan 261.27
Jan 261.22
Jan 261.28
Dec 251.28
Dec 251.28
Dec 251.28
Dec 251.23
Nov 251.26
Nov 251.2
Nov 251.2
Nov 251.24
Oct 251.31
Oct 251.32
Oct 251.26
Oct 251.28
Oct 251.27
Sep 251.3
Sep 251.3
Sep 251.32
Sep 251.34
Aug 251.34
Aug 251.35
Aug 251.33
Aug 251.24
Aug 251.15
Jul 251.23
Jul 251.23
Jul 251.27
Jul 251.31
Jun 251.33
Jun 251.31
Jun 251.35
Jun 251.21
May 251.18
May 251.16
May 251.18
May 251.15
May 251.21
Apr 251.27
Apr 251.25
Apr 251.2
Apr 251.28
Mar 251.32
Mar 251.34
Mar 251.38
Mar 251.54
Feb 251.42
Feb 251.39
Feb 251.39
Feb 251.4
Jan 251.39
Jan 251.38
Jan 251.42
Jan 251.41
Jan 251.44
Dec 241.48
Dec 241.52
Dec 241.54
Dec 241.55
Nov 241.54
Nov 241.53
Nov 241.5
Nov 241.49
Nov 241.52
Oct 241.54
Oct 241.57
EV/EBITDA
1520253035med 23.73Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
VEL EV/EBITDA by quarter
PeriodEV/EBITDA
Sep 2615.8
Sep 2615.83
Aug 2615.8
Aug 2615.83
Aug 2615.81
Aug 2615.84
Jul 2620.22
Jul 2620.21
Jul 2620.22
Jul 2620.19
Jul 2620.33
Jun 2620.3
Jun 2620.22
Jun 2620.23
Jun 2620.21
May 2620.22
May 2620.18
May 2620.16
May 2620.3
May 2622.12
Apr 2622.13
Apr 2622.18
Apr 2622.09
Apr 2621.99
Mar 2621.94
Mar 2621.88
Mar 2621.9
Mar 2624.12
Feb 2624.2
Feb 2624.26
Feb 2624.36
Feb 2624.46
Jan 2624.43
Jan 2624.31
Jan 2624.32
Jan 2624.2
Jan 2624.33
Dec 2524.33
Dec 2524.33
Dec 2524.34
Dec 2524.24
Nov 2524.3
Nov 2524.17
Nov 2524.17
Nov 2524.24
Oct 2523.82
Oct 2523.83
Oct 2523.72
Oct 2523.75
Oct 2523.73
Sep 2523.8
Sep 2523.8
Sep 2523.83
Sep 2523.89
Aug 2523.88
Aug 2523.9
Aug 2523.87
Aug 2523.67
Aug 2522.85
Jul 2523
Jul 2523
Jul 2523.08
Jul 2523.16
Jun 2523.18
Jun 2523.15
Jun 2523.23
Jun 2522.95
May 2522.9
May 2522.87
May 2522.89
May 2522.84
May 2522.95
Apr 2522.76
Apr 2522.71
Apr 2522.63
Apr 2522.78
Mar 2522.87
Mar 2522.9
Mar 2522.97
Mar 2534.06
Feb 2533.71
Feb 2533.63
Feb 2533.65
Feb 2533.66
Jan 2533.65
Jan 2533.62
Jan 2533.73
Jan 2533.68
Jan 2533.77
Dec 2433.89
Dec 2434.01
Dec 2434.07
Dec 2434.09
Nov 2434.06
Nov 2434.04
Nov 2433.95
Nov 2433.92
Nov 2432.54
Oct 2432.58
Oct 2432.66
Price/Operating Cashflow
1020304050med 24.85Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
VEL Price/Operating Cashflow by quarter
PeriodPrice/Operating Cashflow
Sep 2630.54
Sep 2631.32
Aug 2630.61
Aug 2631.17
Aug 2630.86
Aug 2631.37
Jul 2625.41
Jul 2625.22
Jul 2625.35
Jul 2625.01
Jul 2626.9
Jun 2626.39
Jun 2625.41
Jun 2625.43
Jun 2625.29
May 2625.35
May 2624.87
May 2624.58
May 2626.42
May 2639.4
Apr 2639.51
Apr 2640.38
Apr 2638.84
Apr 2637.01
Mar 2636.14
Mar 2635.02
Mar 2635.33
Mar 2612.25
Feb 2612.66
Feb 2612.95
Feb 2613.45
Feb 2613.95
Jan 2613.81
Jan 2613.2
Jan 2613.24
Jan 2612.68
Jan 2613.3
Dec 2513.29
Dec 2513.3
Dec 2513.34
Dec 2512.83
Nov 2513.16
Nov 2512.49
Nov 2512.5
Nov 2512.87
Oct 2525.75
Oct 2525.9
Oct 2524.83
Oct 2525.12
Oct 2524.92
Sep 2525.57
Sep 2525.55
Sep 2525.88
Sep 2526.46
Aug 2526.38
Aug 2526.53
Aug 2526.24
Aug 2524.31
Aug 2517.93
Jul 2519.2
Jul 2519.15
Jul 2519.8
Jul 2520.45
Jun 2520.63
Jun 2520.41
Jun 2521.08
Jun 2518.76
May 2518.37
May 2518.08
May 2518.29
May 2517.88
May 2518.78
Apr 2515.37
Apr 2515.08
Apr 2514.52
Apr 2515.52
Mar 2516.04
Mar 2516.26
Mar 2516.69
Mar 2527.25
Feb 2525.07
Feb 2524.56
Feb 2524.7
Feb 2524.78
Jan 2524.67
Jan 2524.5
Jan 2525.19
Jan 2524.9
Jan 2525.43
Dec 2426.21
Dec 2426.92
Dec 2427.29
Dec 2427.45
Nov 2427.23
Nov 2427.11
Nov 2426.55
Nov 2426.37
Nov 2419.16
Oct 2419.33
Oct 2419.7
Price to Book
0.811.21.4med 1.12Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
VEL Price to Book by quarter
PeriodPrice to Book
Sep 260.96
Sep 260.98
Aug 260.96
Aug 260.98
Aug 260.97
Aug 260.99
Jul 260.97
Jul 260.97
Jul 260.97
Jul 260.96
Jul 261.03
Jun 261.01
Jun 260.97
Jun 260.97
Jun 260.97
May 260.97
May 260.95
May 260.94
May 261.01
May 261.06
Apr 261.06
Apr 261.09
Apr 261.04
Apr 260.99
Mar 260.97
Mar 260.94
Mar 260.95
Mar 261.07
Feb 261.11
Feb 261.14
Feb 261.18
Feb 261.22
Jan 261.21
Jan 261.16
Jan 261.16
Jan 261.11
Jan 261.17
Dec 251.17
Dec 251.17
Dec 251.17
Dec 251.13
Nov 251.15
Nov 251.1
Nov 251.1
Nov 251.13
Oct 251.15
Oct 251.16
Oct 251.11
Oct 251.12
Oct 251.12
Sep 251.14
Sep 251.14
Sep 251.16
Sep 251.18
Aug 251.18
Aug 251.19
Aug 251.17
Aug 251.09
Aug 250.97
Jul 251.04
Jul 251.04
Jul 251.07
Jul 251.11
Jun 251.12
Jun 251.11
Jun 251.14
Jun 251.02
May 251
May 250.98
May 250.99
May 250.97
May 251.02
Apr 251.12
Apr 251.09
Apr 251.05
Apr 251.13
Mar 251.16
Mar 251.18
Mar 251.21
Mar 251.37
Feb 251.26
Feb 251.24
Feb 251.24
Feb 251.25
Jan 251.24
Jan 251.23
Jan 251.27
Jan 251.25
Jan 251.28
Dec 241.32
Dec 241.36
Dec 241.38
Dec 241.38
Nov 241.37
Nov 241.37
Nov 241.34
Nov 241.33
Nov 241.31
Oct 241.32
Oct 241.34
Velocity Financial, Inc.
VEL
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News: VEL

Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript

seekingalpha.com · 27 Aug 2026

Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript

Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript

Velocity Enters into Agreements to Acquire Toorak's Operating Platform and Manage Toorak's $3 Billion Business-Purpose Loan Portfolio

businesswire.com · 27 Aug 2026

Velocity Enters into Agreements to Acquire Toorak's Operating Platform and Manage Toorak's $3 Billion Business-Purpose Loan Portfolio

WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE: VEL; “Velocity” or the “Company”) today announced a definitive agreement to acquire the operating platform of Toorak Capital LLC (“Toorak”), a business-purpose lending and asset management platform which is majority owned by funds advised by affiliates of KKR, a leading global investment firm. Toorak has also entered into separate agreements with a third-party investment firm for the purchase of Toorak's existing portfol.

Velocity Financial, Inc. (VEL) Q2 2026 Earnings Call Transcript

seekingalpha.com · 6 Aug 2026

Velocity Financial, Inc. (VEL) Q2 2026 Earnings Call Transcript

Velocity Financial, Inc. (VEL) Q2 2026 Earnings Call Transcript

Velocity Financial, Inc. Reports Second Quarter 2026 Results

businesswire.com · 5 Aug 2026

Velocity Financial, Inc. Reports Second Quarter 2026 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 $25.2 million and core net income of $27.9 million for 2Q26, compared to $26.0 million and $27.5 million, respectively, for 2Q25. Earnings and core earnings per diluted share were $0.64 and $0.71 for 2Q26, compared to $0.69 and $0.73, respectively, for 2Q25. “Velocity continued to deliver impressive earnings in the second quarter o.

Velocity Financial, Inc. Announces Date of Second Quarter 2026 Financial Results Webcast and Conference Call

businesswire.com · 22 Jul 2026

Velocity Financial, Inc. Announces Date of Second Quarter 2026 Financial Results Webcast and Conference Call

WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE:VEL) (“Velocity” or “Company”), a leader in investor real estate loans, will release its second quarter 2026 results after the market close on Wednesday, August 5, 2026. 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 mo.

Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency

businesswire.com · 3 Jul 2026

Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency

WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE: VEL) (“Velocity” or the “Company”), a leader in investor real estate loans, today announced that Kroll Bond Rating Agency (“KBRA”) has reviewed the ratings on 30 of the outstanding securitizations issued by its wholly-owned subsidiary, Velocity Commercial Capital, LLC (“VCC”), resulting in 379 rating affirmations and 27 rating upgrades of the underlying tranches. These rating actions occurred in conjunction with KBRA's c.

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