profit from every $100 of sales.
$0$100
Velocity Financial
$16.11-1.59% today
-12.4% in 1 year
1-year low $14.511-year high $20.76
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.04 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Velocity Financial sold, what it kept, and what it did with the cash.
Sales went from $91.2 million in 2022 to $312 million in 2025, with $105 million of profit last year.
SalesProfit
Velocity Financial handed back 44% of the cash it generated last year.
Buybacks $7M
Free cash flow 2025$17M
Bought back its own shares$7M
Paid as dividends–
Cash vs. debt$92M vs. $6.5B
Velocity Financial vs. similar companies
Velocity Financial grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Velocity Financial | 6.0× · Cheap | ||
 Encore Capital Group | 8.9× · Cheap | ||
 Walker & Dunlop | 23.4× · Fair price | ||
 Better Home & Finance | No profit yet | ||
 loanDepot | No profit yet |
AI analysis
An AI analyst reads Velocity Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 91 | 156 | 212 | 312 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 32 | 52 | 68 | 105 | |
| 0.94 | 1.52 | 1.91 | 2.75 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.3% | 33.6% | 32.3% | 33.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,749 | 4,405 | 5,527 | 7,382 |
| Cash | 45 | 41 | 50 | 92 |
| Total debt | 3,277 | 3,842 | 4,859 | 6,538 |
| Total liabilities | 3,368 | 3,968 | 5,007 | 6,706 |
| 377 | 433 | 517 | 673 | |
| 34 | 34 | 36 | 38 | |
| – | – | – | – | |
| 8.5% | 12.1% | 13.2% | 15.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 49 | 49 | 38 | 18 | |
| 0 | 0 | 5 | 2 | |
| 48 | 49 | 33 | 17 | |
| Dividends paid | – | – | – | – |
| 0 | 1 | 2 | 7 | |
| 3 | 4 | 6 | 8 |
Valuation
- 6.0×
- 5.8×
- 0.14
- 1.0×
- 2.0×
- 38.2×
- –
- 2.6%
- 16.6%
- 0.0%
Profitability
- 68.6%
- 54.6%
- 33.7%
- 52.5%
- 81.1%
- 1.2%
- 16.7%
- 1.4%
- 5.3%
- –
Growth
- +50.6%
- +43.0%
- −52.3%
- –
- +12.7%
Financial health
- 1.0×
- 0.70
- 6.4%
- 1.0×
- 0.64
- 0.64
- 0.09
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 1%of 827
Top 12%of 709
Top 8%of 876
Top 8%of 879
Bottom 33%of 926
What analysts expect
- Average price target
- $23.00
- Range
- $23.00 – $23.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 6, 2026 | 0.68 | 0.64 | +6.3% |
| Mar 11, 2026 | 0.93 | 0.67 | +38.8% |
| Nov 6, 2025 | 0.69 | 0.67 | +3.0% |
| Aug 7, 2025 | 0.73 | 0.54 | +34.4% |
| May 1, 2025 | 0.55 | 0.52 | +5.8% |
| Mar 6, 2025 | 0.60 | 0.48 | +25.0% |
| Nov 7, 2024 | 0.47 | 0.48 | −2.1% |
| Aug 1, 2024 | 0.45 | 0.41 | +9.8% |
News
Velocity Financial Non-GAAP EPS of $0.76 beats by $0.05, revenue of $102.1M beats by $49.24MSeeking Alpha · Nov 5, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
54No pass
Benjamin Graham
82Pass
Philip Fisher
73Pass
Peter Lynch
100Pass
Joel Greenblatt
100Pass
Charlie Munger
63Pass
Terry Smith
59No pass
Questions about Velocity Financial
Is Velocity Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Velocity Financial AI analysis
What does Velocity Financial do?
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. It is in Financial - Mortgages.
Does Velocity Financial pay a dividend?
No. Velocity Financial does not pay a dividend at the moment; in 2025 it returned $7.34 million to shareholders by buying back its own shares.
Is Velocity Financial stock halal?
No. Velocity Financial does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has Velocity Financial stock done over the past year?
Down 12.4% over the past twelve months, to $16.11. It traded between $14.51 and $20.76 and is 22.4% below its high.
Who are Velocity Financial's competitors?
The largest listed companies in the same industry are Encore Capital Group, Walker & Dunlop, Better Home & Finance and loanDepot. The peers table on this page compares their profit, growth and price with Velocity Financial's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.