Velocity Financial Llc (VEL)vsWalker & Dunlop Inc (WD)
VEL
Velocity Financial Llc
$17.68
+1.84%
FINANCIAL SERVICES · Cap: $681.12M
WD
Walker & Dunlop Inc
$45.07
+2.48%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Walker & Dunlop Inc generates 414% more annual revenue ($1.16B vs $225.61M). VEL leads profitability with a 46.6% profit margin vs 4.9%. VEL trades at a lower P/E of 6.3x. VEL earns a higher WallStSmart Score of 66/100 (B-).
VEL
Strong Buy66
out of 100
Grade: B-
WD
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.7%
Fair Value
$128.70
Current Price
$17.68
$111.02 discount
Margin of Safety
-21.1%
Fair Value
$50.77
Current Price
$45.07
$5.70 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 61.7%
Earnings expanding 55.5% YoY
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 4.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Moderate valuation
0.0% revenue growth
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : VEL
The strongest argument for VEL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 46.6% and operating margin at 61.7%.
Bull Case : WD
The strongest argument for WD centers on Price/Book. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bear Case : VEL
The primary concerns for VEL are Market Cap, Revenue Growth, Free Cash Flow. Debt-to-equity of 9.70 is elevated, increasing financial risk.
Bear Case : WD
The primary concerns for WD are P/E Ratio, Revenue Growth, Market Cap. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
VEL profiles as a declining stock while WD is a value play — different risk/reward profiles.
WD carries more volatility with a beta of 1.56 — expect wider price swings.
WD is growing revenue faster at 0.0% — sustainability is the question.
WD generates stronger free cash flow (796M), providing more financial flexibility.
Bottom Line
VEL scores higher overall (66/100 vs 59/100), backed by strong 46.6% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Velocity Financial Llc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Velocity Financial, Inc. is a real estate finance company in the United States. The company is headquartered in Westlake Village, California.
Visit Website →Walker & Dunlop Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Walker & Dunlop, Inc. originates, sells and services a variety of commercial and multifamily real estate financing products and services for real estate owners and developers in the United States. The company is headquartered in Bethesda, Maryland.
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