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VEL

Velocity Financial Inc

Mar 04 • 01:08PM ET

18.43

+0.09 0.51 %

Financial • Mortgage Finance • USA • NYSE

Peers: PFSI RKT AGNC ABR NLY PMT RWT CIM TWO IVR

| Held by: VTI IWM AVUV VXF IWN VTWO DFAS SCHA DFAT DFSV

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Index	RUT	P/E	7.70	EPS (ttm)	2.40	Insider Own	38.68%	Shs Outstand	38.90M	Perf Week	-1.74%
Market Cap	717.04M	Forward P/E	7.18	EPS next Y	2.57	Insider Trans	-0.20%	Shs Float	23.85M	Perf Month	-10.08%
Enterprise Value	6.75B	PEG	0.63	EPS next Q	0.67	Inst Own	63.35%	Short Float	3.95%	Perf Quarter	-5.28%
Income	89.72M	P/S	1.26	EPS this Y	33.17%	Inst Trans	-0.49%	Short Ratio	8.11	Perf Half Y	-2.88%
Sales	567.14M	P/B	1.13	EPS next Y	-5.06%	ROA	1.48%	Short Interest	0.94M	Perf YTD	-11.21%
Book/sh	16.30	P/C	6.09	EPS next 5Y	11.32%	ROE	16.04%	52W High	21.40 -13.85%	Perf Year	-1.64%
Cash/sh	3.03	P/FCF	19.29	EPS past 3/5Y	30.01% 17.03%	ROIC	1.39%	52W Low	16.12 14.35%	Perf 3Y	94.03%
Dividend Est.	-	EV/EBITDA	13.86	Sales past 3/5Y	33.17% 23.41%	Gross Margin	89.18%	Volatility	2.51% 2.67%	Perf 5Y	133.62%
Dividend TTM	-	EV/Sales	11.91	EPS Y/Y TTM	27.50%	Oper. Margin	84.92%	ATR (14)	0.49	Perf 10Y	-
Dividend Ex-Date	-	Quick Ratio	0.59	Sales Y/Y TTM	36.73%	Profit Margin	15.82%	RSI (14)	34.44	Recom	2.33
Dividend Gr. 3/5Y	- -	Current Ratio	0.82	EPS Q/Q	48.29%	SMA20	-4.91%	Beta	0.77	Target Price	21.67
Payout	0.00%	Debt/Eq	9.70	Sales Q/Q	38.13%	SMA50	-5.25%	Rel Volume	0.18	Prev Close	18.34
Employees	309	LT Debt/Eq	9.17	Earnings	Mar 11 AMC	SMA200	-0.82%	Avg Volume	116.07K	Price	18.43
IPO	Jan 17, 2020	Option/Short	Yes / Yes	EPS/Sales Surpr.	15.00% -	Trades		Volume	11,859	Change	0.51%

Date	Action	Analyst	Rating Change	Price Target Change
Sep-20-24	Downgrade	Wells Fargo	Overweight → Underweight	$20
Oct-23-23	Initiated	BTIG Research	Buy	$14
Oct-13-22	Downgrade	Citigroup	Buy → Neutral	$14 → $11

Jan-30-26 04:05PM	Velocity Financial, Inc. Announces Closing of Offering of $500 Million of Senior Notes Due 2031 (Business Wire)
Jan-29-26 08:35AM	Velocity Financial, Inc. Announces Date of Fourth Quarter and Full Year 2025 Financial Results Webcast and Conference Call (Business Wire)
Jan-28-26 04:29PM	Velocity Financial, Inc. Announces Pricing of $500 Million of Senior Notes Due 2031 (Business Wire)
Jan-26-26 08:31AM	Velocity Financial, Inc. Announces Proposed Offering of $500 Million of Senior Notes Due 2031 (Business Wire) +5.26%
08:30AM	Velocity Financial, Inc. Announces Preliminary Expected Fourth Quarter and Full-Year 2025 Results (Business Wire)
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Jan-02-26 03:41PM	This Chipmaking Giant Hits A High And Two Buy Points (Investor's Business Daily) -5.88%
Dec-16-25 08:30AM	Velocity Financial, Inc. Announces Nonperforming Loan Sale and New Servicing Partnership (Business Wire)
Nov-07-25 12:12AM	Velocity Financial Inc (VEL) Q3 2025 Earnings Call Highlights: Record Growth Amidst Market ... (GuruFocus.com)
Nov-06-25 05:29PM	Velocity Financial: Q3 Earnings Snapshot (Associated Press Finance)
04:10PM	Velocity Financial, Inc. Reports Third Quarter 2025 Results (Business Wire)
Nov-05-25 07:45AM	Earnings To Watch: Velocity Financial Inc (VEL) Reports Q3 2025 Results (GuruFocus.com)
Oct-23-25 08:30AM	Velocity Financial, Inc. Announces Date of Third Quarter 2025 Financial Results Webcast and Conference Call (Business Wire)
Aug-13-25 08:30AM	Velocity Financial, Inc. Announces Dual Listing on NYSE Texas (Business Wire)
Aug-08-25 03:42AM	Velocity Financial Inc (VEL) Q2 2025 Earnings Call Highlights: Record Growth and Strategic Expansion (GuruFocus.com) +7.65%
Aug-07-25 06:08PM	Velocity Financial: Q2 Earnings Snapshot (Associated Press Finance)
04:10PM	Loading…
04:10PM	Velocity Financial, Inc. Reports Second Quarter 2025 Results (Business Wire)
Jul-22-25 08:30AM	Velocity Financial, Inc. Announces Date of Second Quarter 2025 Financial Results Webcast and Conference Call (Business Wire)
Jul-09-25 08:30AM	Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency (Business Wire)
May-02-25 04:30PM	Velocity Financial, Inc. (VEL) Q1 2025 Earnings Call Transcript (Seeking Alpha)
03:20AM	Velocity Financial Inc (VEL) Q1 2025 Earnings Call Highlights: Strong Loan Growth and Robust ... (GuruFocus.com)
May-01-25 04:15PM	Velocity Financial, Inc. Reports First Quarter 2025 Results (Business Wire)
Apr-17-25 02:15AM	How Velocity Financial (VEL) Stock Stands Out in a Strong Industry (Zacks)
Apr-16-25 08:30AM	Velocity Financial, Inc. Announces Date of First Quarter 2025 Financial Results Webcast and Conference Call (Business Wire)
Apr-10-25 12:02PM	LendingTree Rises 9.9% in a Year: Is the Stock Worth Buying Now? (Zacks)
Apr-03-25 09:06AM	Rocket Companies (RKT) Moves 10.0% Higher: Will This Strength Last? (Zacks)
Mar-12-25 02:59PM	Velocity Financial, Inc. (VEL): A Bull Case Theory (Insider Monkey)
Mar-07-25 02:19AM	Velocity Financial Inc (VEL) Q4 2024 Earnings Call Highlights: Record Revenue Growth and ... (GuruFocus.com) +8.47%
Mar-06-25 06:00PM	Velocity Financial (VEL) Beats Q4 Earnings and Revenue Estimates (Zacks)
04:10PM	Velocity Financial, Inc. Reports Fourth Quarter and Full Year 2024 Results (Business Wire)
Mar-05-25 07:16AM	Velocity Financial Inc (VEL) Q4 2024 Earnings Report Preview: What To Look For (GuruFocus.com)
08:30AM	Loading…
Jan-28-25 08:30AM	Velocity Financial, Inc. Announces Date of Fourth Quarter and Full-Year 2024 Financial Results Webcast and Conference Call (Business Wire)
Nov-11-24 08:01PM	Velocity Financial Inc (VEL) Q3 2024 Earnings Call Highlights: Record Origination Volumes and ... (GuruFocus.com)
Nov-07-24 07:45PM	Velocity Financial (VEL) Meets Q3 Earnings Estimates (Zacks)
04:15PM	Velocity Financial, Inc. Reports Third Quarter 2024 Results (Business Wire)
Nov-06-24 07:31AM	Velocity Financial Inc (VEL) Q3 2024 Earnings Report Preview: What To Look For (GuruFocus.com)
Oct-22-24 04:15PM	Velocity Financial, Inc. Announces Date of Third Quarter 2024 Financial Results Webcast and Conference Call (Business Wire)
Oct-09-24 03:53PM	Velocity Financial Inc (VEL) Q2 2024 Earnings Call Highlights: Robust Revenue Growth and ... (GuruFocus.com)
Sep-20-24 09:40AM	Is Velocity Financial (VEL) Stock Undervalued Right Now? (Zacks)
Aug-26-24 12:00PM	Velocity Financial (VEL) Upgraded to Strong Buy: Here's Why (Zacks)
Aug-01-24 06:20PM	Velocity Financial (VEL) Tops Q2 Earnings Estimates (Zacks)
04:15PM	Velocity Financial, Inc. Reports Second Quarter 2024 Results (Business Wire)
Jul-18-24 08:30AM	Velocity Financial, Inc. Announces Date of Second Quarter 2024 Financial Results Webcast and Conference Call (Business Wire)
Jun-11-24 08:30AM	Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency (Business Wire)
May-31-24 12:00PM	Velocity Financial (VEL) Upgraded to Strong Buy: Here's What You Should Know (Zacks)
May-04-24 09:03AM	Velocity Financial, Inc. (NYSE:VEL) Q1 2024 Earnings Call Transcript (Insider Monkey)
May-02-24 09:54PM	VEL Stock Earnings: Velocity Financial Beats EPS, Beats Revenue for Q1 2024 (InvestorPlace)
04:15PM	Velocity Financial, Inc. Reports First Quarter 2024 Results (Business Wire)
Apr-17-24 08:30AM	Velocity Financial, Inc. Announces Date of First Quarter 2024 Financial Results Webcast and Conference Call (Business Wire)
Mar-19-24 12:20PM	Surging Earnings Estimates Signal Upside for Velocity Financial (VEL) Stock (Zacks)
Mar-10-24 08:30AM	Velocity Financial, Inc. (NYSE:VEL) Q4 2023 Earnings Call Transcript (Insider Monkey)
Mar-08-24 08:30AM	Velocity Financial, Inc. Corrects Typographical Error in Fourth Quarter and Full-Year 2023 Results (Business Wire)
06:31AM	Velocity Financial Inc Reports Soaring Earnings Amidst Market Challenges (GuruFocus.com)
Mar-07-24 09:52PM	VEL Stock Earnings: Velocity Financial Beats EPS, Beats Revenue for Q4 2023 (InvestorPlace)
06:25PM	Velocity Financial (VEL) Beats Q4 Earnings and Revenue Estimates (Zacks)
04:15PM	Velocity Financial, Inc. Reports Fourth Quarter and Full-Year 2023 Results (Business Wire)
Feb-14-24 02:35PM	Top 20 Biggest Mortgage Companies in the US (Insider Monkey)
Feb-06-24 08:30AM	Velocity Financial, Inc. Announces Issuance of $75 Million of Senior Secured Notes (Business Wire)
Jan-31-24 08:30AM	Velocity Financial, Inc. Announces Date of Fourth Quarter and Full-Year 2023 Financial Results Webcast and Conference Call (Business Wire)
Nov-06-23 09:26AM	Velocity Financial, Inc. (NYSE:VEL) Q3 2023 Earnings Call Transcript (Insider Monkey)
Nov-03-23 12:14PM	Velocity Financial Inc (VEL) Reports 21.1% Increase in Net Income for Q3 2023 (GuruFocus.com) +11.73%
Nov-02-23 04:15PM	Velocity Financial, Inc. Reports Third Quarter 2023 Results (Business Wire)
Oct-20-23 08:30AM	Velocity Financial, Inc. Announces Date of Third Quarter 2023 Financial Results Webcast and Conference Call (Business Wire)
Oct-05-23 08:30AM	Is the Options Market Predicting a Spike in Velocity Financial (VEL) Stock? (Zacks)
Oct-03-23 09:21AM	3 Mortgage & Related Services Stocks to Watch Amid Industry Woes (Zacks)
Aug-23-23 09:55AM	Velocity Financial (VEL) Could Find a Support Soon, Here's Why You Should Buy the Stock Now (Zacks)
Aug-06-23 08:53AM	Those who invested in Velocity Financial (NYSE:VEL) three years ago are up 245% (Simply Wall St.)
Aug-03-23 07:15PM	Velocity Financial (VEL) Q2 Earnings Beat Estimates (Zacks) +7.79%
04:15PM	Velocity Financial, Inc. Reports Second Quarter 2023 Results (Business Wire)
Jul-27-23 06:05PM	FinWise Bancorp (FINW) Beats Q2 Earnings and Revenue Estimates (Zacks)
Jul-24-23 12:00PM	All You Need to Know About Velocity Financial (VEL) Rating Upgrade to Strong Buy (Zacks)
Jul-20-23 04:15PM	Velocity Financial, Inc. Announces Date of Second Quarter 2023 Financial Results Webcast and Conference Call (Business Wire)
Jul-17-23 07:54AM	New Strong Buy Stocks for July 17th (Zacks)
Jul-07-23 09:26AM	Zacks Industry Outlook Highlights PennyMac, Federal Agricultural Mortgage and Velocity Financial (Zacks)
Jul-06-23 10:41AM	3 Mortgage & Related Services Stocks to Watch Amid Macro Woes (Zacks) -7.62%
Jun-30-23 09:55AM	Velocity Financial (VEL) Just Flashed Golden Cross Signal: Do You Buy? (Zacks)
Jun-26-23 08:05AM	Velocity Financial (VEL) Soars 10.2%: Is Further Upside Left in the Stock? (Zacks)
Jun-13-23 08:30AM	Velocity Commercial Capital Securitization Ratings Upgraded and Affirmed by Kroll Bond Rating Agency (Business Wire)
Jun-09-23 12:20PM	Earnings Estimates Moving Higher for Velocity Financial (VEL): Time to Buy? (Zacks)
12:00PM	Velocity Financial (VEL) Upgraded to Buy: What Does It Mean for the Stock? (Zacks)
May-09-23 02:59PM	Velocity Financial, Inc. (NYSE:VEL) Q1 2023 Earnings Call Transcript (Insider Monkey)
May-06-23 09:54AM	With EPS Growth And More, Velocity Financial (NYSE:VEL) Makes An Interesting Case (Simply Wall St.)
May-04-23 07:55PM	Velocity Financial (VEL) Surpasses Q1 Earnings and Revenue Estimates (Zacks) +5.15%
04:15PM	Velocity Financial, Inc. Reports First Quarter 2023 Results (Business Wire)
Apr-20-23 04:30PM	Velocity Financial, Inc. Announces Date of First Quarter 2023 Financial Results Webcast and Conference Call (Business Wire)
Apr-09-23 09:23AM	It's A Story Of Risk Vs Reward With Velocity Financial, Inc. (NYSE:VEL) (Simply Wall St.)
Mar-11-23 02:59AM	Velocity Financial, Inc. (NYSE:VEL) Q4 2022 Earnings Call Transcript (Insider Monkey)
Mar-09-23 08:15PM	Velocity Financial (VEL) Lags Q4 Earnings and Revenue Estimates (Zacks) -5.32%
04:22PM	Velocity Financial, Inc. Reports Fourth Quarter and Full-Year 2022 Results (Business Wire)
Feb-27-23 08:35AM	Tree.com (TREE) Beats Q4 Earnings Estimates (Zacks)
05:51AM	Shareholders in Velocity Financial (NYSE:VEL) are in the red if they invested three years ago (Simply Wall St.)
Feb-21-23 07:15AM	Walker & Dunlop (WD) Q4 Earnings and Revenues Miss Estimates (Zacks)
Feb-02-23 08:30AM	Velocity Financial, Inc. Announces Date of Fourth Quarter and Full-Year 2022 Financial Results Webcast and Conference Call (Business Wire)
Nov-16-22 08:16AM	15 Biggest Mortgage Companies in the US (Insider Monkey)
Nov-09-22 06:03AM	Velocity Financial Third Quarter 2022 Earnings: Misses Expectations (Simply Wall St.) +7.02%
Nov-03-22 07:45PM	Velocity Financial (VEL) Matches Q3 Earnings Estimates (Zacks)
04:15PM	Velocity Financial, Inc. Reports Third Quarter 2022 Results (Business Wire)
Oct-24-22 04:15PM	Velocity Financial, Inc. Announces Date of Third Quarter 2022 Financial Results Webcast and Conference Call (Business Wire)
Sep-19-22 10:16AM	Investing in Velocity Financial (NYSE:VEL) a year ago would have delivered you a 12% gain (Simply Wall St.)
Aug-04-22 08:25PM	Velocity Financial (VEL) Tops Q2 Earnings and Revenue Estimates (Zacks)
06:00PM	Edited Transcript of VEL.N earnings conference call or presentation 4-Aug-22 10:00pm GMT (Thomson Reuters StreetEvents)

Velocity Financial, Inc. operates a real estate finance company, which originates and manages investor loans secured by residential rental and small commercial properties. The company was founded by Christopher D. Farrar and Jeffrey T. Taylor in 2004 and is headquartered in Westlake Village, CA.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Szczepaniak Mark R	Chief Financial Officer	Mar 02 '26	Sale	18.32	1,573	28,817	73,119	Mar 02 05:57 PM
Taylor Jeffrey T.	Executive VP, Capital Markets	Feb 02 '26	Sale	20.33	1,772	36,025	181,115	Feb 02 06:41 PM
Szczepaniak Mark R	Chief Financial Officer	Feb 02 '26	Sale	20.53	1,573	32,292	74,692	Feb 02 06:40 PM
Taylor Jeffrey T.	Executive VP, Capital Markets	Jan 26 '26	Sale	20.00	1,770	35,400	184,137	Jan 26 07:16 PM
Szczepaniak Mark R	Chief Financial Officer	Jan 15 '26	Sale	19.51	1,573	30,687	49,929	Jan 15 04:56 PM
SZCZEPANIAK FAMILY TRUST U/A D	Officer	Jan 15 '26	Proposed Sale	19.21	6,292	120,869		Jan 15 04:26 PM
Taylor Jeffrey T.	Executive VP, Capital Markets	Dec 31 '25	Sale	20.13	3,049	61,388	158,672	Jan 02 10:59 AM
Taylor Jeffrey T.	Executive VP, Capital Markets	Dec 16 '25	Sale	20.03	7,571	151,646	161,721	Dec 16 05:34 PM
TAYLOR FAMILY TRUST	Officer	Dec 16 '25	Proposed Sale	19.64	15,934	312,944		Dec 16 04:33 PM
Kelly Roland Thomas	Chief Legal Officer and GC	Dec 02 '25	Sale	19.38	6,655	128,965	100,970	Dec 02 04:52 PM
ROLAND KELLY	Officer	Dec 02 '25	Proposed Sale	19.38	6,655	128,965		Dec 02 04:30 PM
Szczepaniak Mark R	Chief Financial Officer	Dec 01 '25	Sale	19.34	1,572	30,409	46,967	Dec 01 04:46 PM
Szczepaniak Mark R	Chief Financial Officer	Nov 03 '25	Sale	18.50	1,572	29,088	48,539	Nov 03 04:39 PM
Szczepaniak Mark R	Chief Financial Officer	Oct 01 '25	Sale	18.05	1,572	28,367	50,111	Oct 01 04:44 PM
SZCZEPANIAK FAMILY TRUST U/A D	Officer	Oct 01 '25	Proposed Sale	18.14	4,716	85,548		Oct 01 04:30 PM
Szczepaniak Mark R	Chief Financial Officer	Sep 02 '25	Sale	18.85	1,572	29,632	51,683	Sep 02 04:47 PM
Szczepaniak Mark R	Chief Financial Officer	Aug 12 '25	Sale	18.00	1,572	28,296	53,255	Aug 12 07:50 PM
Szczepaniak Mark R	Chief Financial Officer	Jul 01 '25	Sale	18.44	1,572	28,988	54,827	Jul 01 06:28 PM
SZCZEPANIAK FAMILY TRUST U/A D	Officer	Jul 01 '25	Proposed Sale	18.54	4,716	87,435		Jul 01 04:23 PM
SPG GP, LLC	Director	Mar 27 '25	Option Exercise	3.62	1,339,166	4,847,782	13,611,931	Mar 31 05:31 PM

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VEL

Velocity Financial Inc

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