/VEL
VEL Stock - Velocity Financial, Inc.
Financial Services|Financial - MortgagesNYSE
$19.53-0.86%
$0.17 (-0.86%) • Dec 19
73
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.67
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).80
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.89
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+15.2%upside
Target: $22.50
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ENTRY ZONE$19.33 – $19.73
TARGET (TP)$22.50
STOP LOSS$17.97
RISK/REWARD1:1.9
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.77
52W High$20.98
52W Low$16.12
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $482.78M | $131.72M | $248.38M | $181.31M | $165.84M |
| Gross Profit | $210.56M | $131.72M | $90.03M | $75.61M | $60.90M |
| Gross Margin | 43.6% | 100.0% | 36.2% | 41.7% | 36.7% |
| Operating Income | $96.39M | $76.85M | $44.55M | $39.79M | $23.13M |
| Net Income | $68.42M | $52.27M | $32.21M | $29.22M | $17.78M |
| Net Margin | 14.2% | 39.7% | 13.0% | 16.1% | 10.7% |
| EPS | $2.07 | $1.60 | $0.99 | $0.90 | $-1.55 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
1
50%
Hold / Neutral
1
50%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
1 Bullish1 Neutral/Bearish
Price Targets
$15
Average Target
↓ 23.2% Downside
Now
$11
Low
$15
Average
$20
High
Based on 3 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 20th 2024 | Wells Fargo | Downgrade | Underweight | $20 |
| October 23rd 2023 | BTIG Research | Initiation | Buy | $14 |
| October 13th 2022 | Citigroup | Downgrade | Neutral | $11← $14 |
Earnings History & Surprises
VELBeat Rate
79%
Last 19 quarters
Avg Surprise
+14.8%
EPS vs Estimate
Beats / Misses
15/3
1 met exactly
Latest EPS
$0.69
Q4 2025
EPS Surprise History
Q1 24
+21.1%
$0.46vs$0.38
Q2 24
+30.8%
$0.51vs$0.39
Q3 24
+9.8%
$0.45vs$0.41
Q4 24
-2.1%
$0.47vs$0.48
Q1 25
+25.0%
$0.60vs$0.48
Q2 25
+5.8%
$0.55vs$0.52
Q3 25
+34.4%
$0.73vs$0.54
Q4 25
+3.0%
$0.69vs$0.67
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 29, 2026 | — | — | — | — |
Q4 2025 | Nov 6, 2025 | $0.67 | $0.69 | +3.0% | ✓ BEAT |
Q3 2025 | Aug 7, 2025 | $0.54 | $0.73 | +34.4% | ✓ BEAT |
Q2 2025 | May 1, 2025 | $0.52 | $0.55 | +5.8% | ✓ BEAT |
Q1 2025 | Mar 6, 2025 | $0.48 | $0.60 | +25.0% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $0.48 | $0.47 | -2.1% | ✗ MISS |
Q3 2024 | Aug 1, 2024 | $0.41 | $0.45 | +9.8% | ✓ BEAT |
Q2 2024 | May 2, 2024 | $0.39 | $0.51 | +30.8% | ✓ BEAT |
Q1 2024 | Mar 7, 2024 | $0.38 | $0.46 | +21.1% | ✓ BEAT |
Q4 2023 | Nov 2, 2023 | $0.35 | $0.37 | +5.7% | ✓ BEAT |
Q3 2023 | Aug 3, 2023 | $0.33 | $0.38 | +15.2% | ✓ BEAT |
Q2 2023 | May 4, 2023 | $0.29 | $0.33 | +13.8% | ✓ BEAT |
Q1 2023 | Mar 9, 2023 | $0.29 | $0.27 | -6.9% | ✗ MISS |
Q4 2022 | Nov 3, 2022 | $0.30 | $0.29 | -3.3% | ✗ MISS |
Q3 2022 | Aug 4, 2022 | $0.29 | $0.31 | +6.9% | ✓ BEAT |
Q2 2022 | May 5, 2022 | $0.28 | $0.36 | +28.6% | ✓ BEAT |
Q1 2022 | Mar 10, 2022 | $0.23 | $0.29 | +26.1% | ✓ BEAT |
Q4 2021 | Nov 3, 2021 | $0.19 | $0.23 | +21.1% | ✓ BEAT |
Q3 2021 | Aug 5, 2021 | $0.17 | $0.25 | +47.1% | ✓ BEAT |
Q2 2021 | May 6, 2021 | $0.20 | $0.20 | 0.0% | = MET |
Latest News
BTIG Reiterates Buy on Velocity Financial, Maintains $23 Price Target
📈 PositiveBenzinga•Nov 24, 2025, 10:32 AM
Citizens Maintains Market Outperform on Velocity Financial, Raises Price Target to $22
📈 PositiveBenzinga•Nov 7, 2025, 01:23 PM
Velocity Financial Q3 Adj. EPS $0.69 Beats $0.60 Estimate, Sales $85.772M Beat $43.588M Estimate
📈 PositiveBenzinga•Nov 6, 2025, 09:26 PM
Frequently Asked Questions about VEL
What is VEL's current stock price?
Velocity Financial, Inc. (VEL) is currently trading at $19.53 per share. The stock has moved -0.86% today.
What is the analyst price target for VEL?
The average analyst price target for VEL is $22.50, based on 1 analyst.
What sector is Velocity Financial, Inc. in?
Velocity Financial, Inc. operates in the Financial Services sector, specifically within the Financial - Mortgages industry. The company is traded on the NYSE exchange.
What is VEL's market cap?
Velocity Financial, Inc. has a market capitalization of $0.76 billion, making it a small-cap company.
Does VEL pay dividends?
No, Velocity Financial, Inc. does not currently pay a dividend to shareholders.
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