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Velocity Financial, Inc.

VEL • Financial - Mortgages
$18.43
▲ +0.03 (+0.16%)
Current price
EarningsLatest report: Jun 30, 2026
BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.
Market Cap
$714.84M
Growth
27.7%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 14.7%Positive revenue growth · 25.0%Positive free cash flow · 0.49Consistent free cash flow · 5/5Reasonable earnings multiple · 7.28
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:19 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$18.43
Change0.16%
Market Cap$714.84M
52W Range16.27 - 21.39
Beta0.70
Gross Margin95.32%
Oper. Margin71.56%
Profit Margin14.70%
Debt/Eq9.72
Current Ratio0.63
Quick Ratio0.63
Revenue 5Y27.68%

Investment DNA

How strong this company looks for long-term investors

65
out of 100
Business Quality
Margins, moat, returns
73/100
Financial Strength
Debt, cash, stability
21/100
Growth Potential
Revenue and expansion
58/100
Price Attractiveness
Cheap or expensive today
76/100
Why this score▼
Stable or improving margins · 14.7%Positive revenue growth · 25.0%Positive free cash flow · 0.49Consistent free cash flow · 5/5Reasonable earnings multiple · 7.28High debt level · 9.72

Analyst view

Analyst sentiment and price target

Analyst sentiment
No vote count available
Bullish
0
Hold
0
Bearish
0
Price Target
2026-08-07
Low
$22.00
Mean
$22.00
Median
$22.00
High
$22.00

Company Overview

IPO: 1/17/2020
Industry: Financial - Mortgages
P/B i: 1.14
Debt / Equity i: 9.72
Operating Margin: 71.56%
Net Margin: 14.70%
ROE i: -
ROIC: -

Financial Health

Score4 / 20
Debt / Equity: 9.72
Current Ratio: 0.63
Quick Ratio: 0.63
Status: HighRisk

Warnings

  • High debt level
  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Szczepaniak Mark R
Transaction: 07/28/2026
SELL
Change
-400
Price
$18.00
Filing
07/28/2026
Type
SELL
Taylor Jeffrey T.
Transaction: 07/07/2026
SELL
Change
-2,165
Price
$19.00
Filing
07/09/2026
Type
SELL
Tam Fiona
Transaction: 07/07/2026
SELL
Change
-68
Price
$19.00
Filing
07/09/2026
Type
SELL