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VF

Velocity Financial, Inc. (VEL)

NYSE • Financial Services

$15.21
+$0.36 (+2.4%)
Market closed

Last close at October 22, 2026 at 20:00 UTC

Open$14.87
Day Range$14.6 - $15.25
Avg. Volume (3M)205K
Market Cap$604.8M
P/E Ratio5.3
52 Week Range
$14.18$21.4

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$178.7M100%
Gross Profitminus cost of goods$157.7M88%
Operating Incomeminus R&D and overhead$154M86%
Net Incomeminus taxes and the rest$25.1M14%

In plain terms: out of every $100 in revenue, Velocity Financial, Inc. keeps $14 as net profit.

Fundamentals & Financials

Revenue (TTM)
$701.2M
Net Income (TTM)
$107.6M
EPS (TTM)
$2.78
ROA (TTM)
1.35%
Current Ratio
0.94

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+38.8%Q1 2026$0.93
+6.3%Q2 2026$0.68
+9.1%Q3 2026$0.71

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Beat +9.1%

Velocity Financial's adjusted EPS topped consensus in the second fiscal quarter of 2026, based on preliminary results reported Aug. 5, 2026. Adjusted EPS of $0.71 beat the $0.65 estimate by 9.1% and was down 2.7% from $0.73 a year ago, while net income slipped 4.5% to about $24.8 million from about $26.0 million. Operating income came in at about $47.1 million, and the company repurchased about $4.5 million of stock. Consensus for the next period calls for EPS of $0.67 on revenue of $87.2 million.

Next report — what to expect

Velocity Financial, Inc. (VEL) reports on October 29, 2026. Wall Street is looking for EPS of $0.715 on revenue of $93.2 million. For trailing context, revenue grew +7.7% year over year last quarter. Velocity has beaten EPS in 7 of 8 most recent quarters, making updates on loan demand and credit performance key items to watch.

View full earnings history

About Velocity Financial, Inc.

Velocity Financial, Inc. is a U.S. mortgage finance company focused on investment loans, originating and managing loans backed by 1-4 unit residential rental properties and smaller commercial real estate assets. Listed on the NYSE under VEL, it operates in mortgage lending and generated $714.4 million of revenue in FY2025.

Name
Velocity Financial, Inc.
CEO
Christopher D. Farrar
Website
www.velfinance.com
Industry
Financial Services
Year Founded
2004
Employees
368

Today's Snapshot

AI-generated

VEL closed 2.4% higher at 15.21, in line with a firmer sector. Velocity Financial announced its third-quarter results will be released after the market closes November 4. Earnings are due from VEL on 29 October.

Trading Volume

Below 10d avg (182.0K)

176.8K

vs S&P 500 Today

Strong Outperformance

+3.68%

Updated: October 22, 2026 at 20:21 UTC

Technical Indicators

2 Buy3 Neutral3 Sell
VEL shows a mixed short-term recovery but a negative longer-term placement, with the stock trading above short moving averages yet still below 50/100/200-day levels and the classic pivot only marginally lower. ADX is high, indicating a well-established trend that currently favors the sell signal, while momentum measures are mixed—CCI positive but RSI and MACD neutral—and money flow is benign. Volatility is subdued and on-balance volume signals accumulation, creating divergence between volume and trend. Technical takeaway: the indicators skew toward a sell stance amid stronger-than-expected short-term support.
All signals
  • EMA (5 indicators)$14.85 - $17.64
    Sell
  • RSI (14)47.69
    Neutral
  • Stochastic %K (14, 3, 3)67.79
    Neutral
  • MACD Level (12, 26)-0.43
    Neutral

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