Velocity Financial, Inc.
VELNYSE
$17.50
↓ -1.2%Jul 17 close · end-of-day
Price
1Y↓ -2.0%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$685.5M
Enterprise Value
$598.5M
P/E
6.2
P/S
—
P/B
1.0
EV/EBITDA
—
PEG
0.1
FCF Yield
3.9%
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$108.5M
Free Cash Flow (TTM)
$26.5M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
15.7%
ROIC
—
Debt / Equity
—
Net Cash
$87.1M
Return 1Y
-1.5%
Company profile
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. The company offers its products through a network of independent mortgage brokers.
- CEO
- Christopher D. Farrar
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 220
- Headquarters
- California
- Website
- velfinance.com
Management & directors
- Tam FionaChief Accounting Officer
- Taylor Jeffrey T.Executive VP, Capital Markets
- Kelly Roland ThomasChief Legal Officer and GC
- Farrar Christopher D.Chief Executive Officer
- Szczepaniak Mark RChief Financial Officer
Roles derived from SEC Form 4 filings.
Earnings
VEL Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.57↑ +11.8%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $17.8M | $29.2M | $32.2M | $52.3M | $68.4M | $105.0M |
| Diluted EPS | -$1.55 | $0.86 | $0.94 | $1.52 | $1.91 | $2.75 |
| Operating cash flow | $54.9M | $57.6M | $48.7M | $48.8M | $37.8M | $18.2M |
| Free cash flow | $54.2M | $57.5M | $48.3M | $48.7M | $37.5M | $17.9M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $14.8M | $15.8M | $20.6M | $18.9M | $26.0M | $25.4M | $34.8M | $22.4M |
| Diluted EPS | $0.42 | $0.44 | $0.56 | $0.51 | $0.69 | $0.65 | $0.90 | $0.57 |
| Operating cash flow | $11.5M | -$17.6M | $33.3M | $3.5M | $7.7M | $11.5M | -$4.5M | $12.1M |
| Free cash flow | $11.4M | -$17.6M | $33.2M | $3.5M | $7.6M | $11.4M | -$4.5M | $12.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-07 | Taylor Jeffrey T.· Executive VP, Capital Markets | Sale | 2,165 | $19.00 | $41,135.00 | filing |
| 2026-07-07 | Tam Fiona· Chief Accounting Officer | Sale | 68 | $19.00 | $1,292.00 | filing |
| 2026-07-01 | Kelly Roland Thomas· Chief Legal Officer and GC | Sale | 1,600 | $18.57 | $29,709.60 | filing |
| 2026-06-30 | Farrar Christopher D.· Chief Executive Officer | J | 1,272 | $18.46 | $23,481.12 | filing |
| 2026-06-30 | Kelly Roland Thomas· Chief Legal Officer and GC | J | 858 | $18.46 | $15,838.68 | filing |
| 2026-06-26 | Szczepaniak Mark R· Chief Financial Officer | Sale | 1,573 | $18.07 | $28,420.49 | filing |
| 2026-05-26 | Pitstick John | D | 3,603 | $17.17 | $61,863.51 | filing |
| 2026-05-26 | Schaefer Joy L. | D | 3,603 | $17.17 | $61,863.51 | filing |
| 2026-05-21 | Beckett Dorika M | Award | 5,413 | $17.55 | $94,998.15 | filing |
| 2026-05-21 | Schaefer Joy L. | Award | 5,413 | $17.55 | $94,998.15 | filing |
| 2026-05-21 | Pitstick John | Award | 5,413 | $17.55 | $94,998.15 | filing |
| 2026-05-01 | Szczepaniak Mark R· Chief Financial Officer | Sale | 1,573 | $19.30 | $30,358.90 | filing |
| 2026-04-17 | Taylor Jeffrey T.· Executive VP, Capital Markets | Sale | 2,130 | $20.00 | $42,600.00 | filing |
| 2026-04-01 | Szczepaniak Mark R· Chief Financial Officer | Sale | 1,573 | $18.13 | $28,518.49 | filing |
| 2026-03-31 | Kelly Roland Thomas· Chief Legal Officer and GC | Sale | 814 | $18.22 | $14,827.58 | filing |
| 2026-03-30 | Kelly Roland Thomas· Chief Legal Officer and GC | Sale | 14,026 | $18.03 | $252,943.48 | filing |
| 2026-03-17 | Kelly Roland Thomas· Chief Legal Officer and GC | Sale | 5,160 | $18.06 | $93,213.85 | filing |
| 2026-03-02 | Szczepaniak Mark R· Chief Financial Officer | Sale | 1,573 | $18.32 | $28,817.36 | filing |
| 2026-02-02 | Taylor Jeffrey T.· Executive VP, Capital Markets | Sale | 1,772 | $20.33 | $36,024.76 | filing |
| 2026-02-02 | Szczepaniak Mark R· Chief Financial Officer | Sale | 1,573 | $20.53 | $32,291.65 | filing |
| 2026-01-28 | Farrar Christopher D.· Chief Executive Officer | Tax withholding | 64,705 | $20.22 | $1.3M | filing |
| 2026-01-28 | Szczepaniak Mark R· Chief Financial Officer | Tax withholding | 23,540 | $20.22 | $475,978.80 | filing |
| 2026-01-28 | Taylor Jeffrey T.· Executive VP, Capital Markets | Tax withholding | 18,575 | $20.22 | $375,586.50 | filing |
| 2026-01-28 | Kelly Roland Thomas· Chief Legal Officer and GC | Tax withholding | 16,170 | $20.22 | $326,957.40 | filing |
| 2026-01-28 | Tam Fiona· Chief Accounting Officer | Tax withholding | 4,251 | $20.22 | $85,955.22 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.