Velocity Financial, Inc. (VEL)

NYSE • Financial Services

$14.73

-$0.17 (-1.2%)

Market closed

Last close at October 9, 2026 at 20:00 UTC

Open$14.86

Day Range$14.64 - $15

Avg. Volume (3M)216K

Market Cap$578.2M

P/E Ratio5.3

52 Week Range

$14.18$21.4

Next EarningsIn 19 daysOct 29, 2026

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.

Income Statement

Balance Sheet

Financial Highlights

Dividends History

Split History

Earnings

+34.4%Q3 2025$0.73

+3.0%Q4 2025$0.69

+38.8%Q1 2026$0.93

+6.3%Q2 2026$0.68

+9.1%Q3 2026$0.71

Oct 29

in 19 daysQ4 2026

% — 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

The day ended with VEL 1.2% lower at 14.73, against a firmer sector. At the close, VEL was within 3.9% of its 52-week low of 14.18.

Trading Volume

Below 10d avg (216.9K)

172.5K

vs S&P 500 Today

Underperforming Market

-1.80%

Updated: October 9, 2026 at 20:25 UTC

Technical Indicators

1 Buy1 Neutral6 Sell

VEL is technically weak with several indicators aligning to a strong sell conclusion. ADX is high, reflecting a well-established downtrend, while momentum measures and MACD are negative; the RSI reads very low, suggesting oversold internals but not yet reversing the bearish bias. The stock trades below its short-, medium- and notably the 200-day averages, and on-balance volume points to distribution, while volatility is moderate. Pivot levels are close but have not arrested weakness. Technical takeaway: Strong sell — entrenched downtrend and negative volume confirm prevailing downside momentum.

All signals