VEL
Velocity Financial Llc
NYSE: VEL · FINANCIAL SERVICES · MORTGAGE FINANCE
$15.57
+0.78% today
Updated 2026-10-28
Market cap
$609.99M
P/E ratio
5.60
P/S ratio
2.15x
EPS (TTM)
$2.76
Dividend yield
—
52W range
$14 – $21
Volume
0.2M
WallStSmart proprietary scores
66
out of 100
Grade: B
Buy
Investment rating
6.7
Growth
B3.0
Quality
D7.5
Profitability
B+6.7
Valuation
B5/9
Piotroski F-Score
Moderate
0.4
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →270 stocks currently score above 75
Price targets
Analyst target
$20.83
+33.78%
12-Month target
$17.45
+12.07%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy1 Buy0 Hold1 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 37.90% — above average
+ Free cash flow $3.69M — positive
+ Revenue growth 22.70% QoQ
Risks
- Altman Z 0.41 — distress zone
- Debt/equity 9.77x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $248.38M | $131.72M | $482.78M | $714.45M | $284.11M |
| Net income | $32.21M | $52.27M | $68.42M | $105.05M | $25.16M |
| EPS | — | — | — | — | $2.76 |
| Free cash flow | $48.35M | $60.87M | $37.47M | $17.88M | $3.69M |
| Profit margin | 12.97% | 39.69% | 14.17% | 14.70% | 37.90% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-09-10 | SZCZEPANIAK, MARK R | Sale | 2,000 | $18.03 |
| 2026-09-01 | KELLY, ROLAND THOMAS | Sale | 1,600 | $18.00 |
| 2026-08-11 | TAYLOR, JEFFREY T. | Sale | 4,330 | $19.06 |
Peer comparison
Smart narrative
Velocity Financial Llc trades at $15.57. representing a P/E of 5.60x trailing earnings. Our Smart Value Score of 66/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of 0.41, it sits in the distress. TTM revenue stands at $284.11M. with profit margins at 37.90%.
Frequently asked questions
What is Velocity Financial Llc's stock price?
Velocity Financial Llc (VEL) trades at $15.57, on a P/E of 5.6x and a P/S of 2.1x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Velocity Financial Llc overvalued?
Velocity Financial Llc carries a Smart Value Score of 66/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Velocity Financial Llc (VEL)?
The 12-month analyst consensus target is $20.83, about 33.8% above the current $15.57. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Velocity Financial Llc's revenue?
Velocity Financial Llc's trailing twelve-month revenue is $284.11M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Velocity Financial Llc's Altman Z-Score is 0.41, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryMORTGAGE FINANCE
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio2.15x
ROE14.93%
Beta0.75
50D MA$16.31
200D MA$17.85
Shares out0.04B
Float0.00B
Short ratio—
Avg volume0.2M
Performance
1 week+4.04%
1 month+1.64%
3 months-12.81%
YTD-25.58%
1 year-17.02%
3 years—
5 years—