Velocity Financial, Inc.

VEL

Velocity Financial, Inc.

VEL

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-06-26Shares Purchased (TTM):0Shares Sold (TTM):44,647

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:38,493,381Shares Outstanding:38,626,000Institutional Ownership Pct.:99.66%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents At Carrying Value	76	87	92	99	80	52	50	44	47	35	41	29
Loans Held For Sale Fair Value Disclosure	-	-	-	3	-	5	-	19	-	-	18	20
Restricted Cash And Cash Equivalents	169	25	157	19	18	23	21	23	32	24	21	18
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	4,377	4,152	3,917
Interest Receivable	53	51	50	47	42	38	35	33	31	29	27	25
Other Receivables Net Current	152	142	151	132	142	120	123	94	82	88	85	70
Accounts And Other Receivables Net Current	6	3	2	3	2	4	1	4	7	2	9	0
Real Estate Acquired Through Foreclosure	142	132	118	114	93	83	68	62	51	46	44	29
Property Plant And Equipment Net	1	1	1	1	2	2	2	2	2	2	3	3
Deferred Income Tax Assets Net	20	18	23	17	12	11	14	15	1	2	2	1
Servicing Asset At Fair Value Amount	14	13	0	13	13	13	14	12	12	9	9	10
Derivative Assets	0	0	0	0	-	-	-	-	-	2	-	1
Goodwill	7	7	7	7	7	7	7	7	7	7	7	7
Other Assets	9	6	9	8	12	5	6	6	10	5	5	7
Assets	7,963	7,591	7,382	6,959	6,476	5,972	5,527	5,202	4,873	4,628	4,405	4,117
Liabilities
Accounts Payable And Accrued Liabilities Current	186	173	168	171	165	153	148	141	138	124	122	98
Securities Loaned	73	73	287	286	286	285	285	284	284	284	211	211
Derivative Liabilities	-	-	-	-	1	1	-	1	0	-	4	-
Liabilities	7,238	6,895	6,706	6,321	5,875	5,405	5,007	4,715	4,399	4,172	3,968	3,697
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	391	385	383	379	369	353	323	313	311	308	307	305
Retained Earnings Accumulated Deficit	350	325	302	268	242	216	197	177	161	146	129	112
Treasury Stock Value	-17	-15	-10	-10	-10	-5	-3	-3	-3	-3	-1	-1
Accumulated Other Comprehensive Income Loss Net Of…	-2	-2	-3	-3	-3	-2	-1	-3	2	1	-1	1
Stockholders Equity	722	693	676	637	601	563	517	488	475	456	433	416
Minority Interest	4	3	3	3	3	3	3	3	3	4	3	4
Liabilities And Stockholders Equity	7,963	7,591	7,382	6,959	6,476	5,972	5,527	5,202	4,873	4,628	4,405	4,117
Variable Interest Entity Primary Beneficiary	-	15	152	1	5	9	10	-3	2	11	11	9
Financing Receivable Allowance For Credit Losses	-	5	5	5	5	5	4	5	5	5	5	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	40	40	39	40	39	36	34	33	33	33	33	33
Shares Outstanding	39	39	40	39	38	35	34	33	33	33	33	33
Treasury Stock Common Shares	1	1	1	1	1	0	0	0	0	0	0	0

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Custom Table

10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-4.32%	-0.38%	-4.81%	-	-	-	-	-	-	-	-	-
2025	-7.68%	4.26%	-2.18%	8.53%	5.18%	6.54%	2.22%	3.23%	2.54%	2.53%	9.16%	-1.63%
2024	4.96%	5.65%	9.58%	-1.40%	4.99%	5.15%	3.23%	-0.61%	-7.11%	-8.93%	-13.14%	-15.02%
2023	-	-	-	-	-	-	12.05%	24.34%	23.41%	-2.77%	0.17%	6.94%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.22	-0.22	-0.21	-0.26	-0.28	-0.30	-0.29	-0.32	-0.31	-0.30	-0.34	-0.38
Efficiency & Turnover
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.00	0.00	0.00
Per Share Metrics
Diluted EPS TTM	2.75	2.77	2.75	2.35	2.16	1.90	1.91	1.81	1.72	1.66	1.52	1.25
Free Cash Flow Per Share TTM	0.36	0.69	0.49	1.37	0.62	0.90	1.15	0.93	1.17	2.19	1.51	1.94
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Growth Metrics
Net Income Growth (1Y)	32.44%	54.72%	53.34%	40.19%	33.02%	19.25%	30.98%	49.61%	48.24%	47.61%	62.28%	35.40%
EPS Growth (1Y)	27.19%	34.93%	35.87%	20.45%	16.53%	15.19%	29.18%	47.62%	46.13%	45.60%	60.81%	33.92%
Valuation Metrics
P/E TTM	6.62	6.44	7.29	7.58	8.45	8.99	9.33	9.86	9.53	9.96	10.61	8.39
P/B TTM	0.99	1.01	1.13	1.08	1.15	1.12	1.23	1.32	1.23	1.28	1.27	0.88
Market Cap	714.96M	698.74M	765.01M	690.64M	689.58M	630.28M	638.69M	641.46M	584.25M	585.74M	554.59M	364.71M
Enterprise Value	638.84M	611.69M	672.90M	591.68M	610.02M	578.61M	588.79M	597.37M	536.88M	550.91M	514.02M	335.31M
Calculated Values
Free Cash Flow TTM	13.94M	26.46M	17.88M	52.14M	23.12M	30.38M	37.47M	30.34M	38.20M	71.17M	48.66M	62.57M
Net Debt	-76.12M	-87.05M	-92.10M	-98.96M	-79.56M	-51.68M	-49.90M	-44.09M	-47.37M	-34.83M	-40.57M	-29.39M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-26Sale

Owner: Szczepaniak, Mark R

Title: Chief Financial Officer

Shares: 1,573

Price/Share: $18.07

Value: $28,424.11

Shares Owned: 68,400

Relationship: Officer

Ownership: Indirect

2026-05-01Sale

Owner: Szczepaniak, Mark R

Title: Chief Financial Officer

Shares: 1,573

Price/Share: $19.30

Value: $30,358.90

Shares Owned: 69,973

Relationship: Officer

Ownership: Indirect

2026-04-17Sale

Owner: Taylor, Jeffrey T.

Title: Executive VP, Capital Markets

Shares: 2,130

Price/Share: $20.00

Value: $42,600.00

Shares Owned: 178,985

Relationship: Officer

Ownership: Direct

2026-04-01Sale

Owner: Szczepaniak, Mark R

Title: Chief Financial Officer

Shares: 1,573

Price/Share: $18.13

Value: $28,518.49

Shares Owned: 71,546

Relationship: Officer

Ownership: Indirect

2026-03-31Sale

Owner: Kelly, Roland Thomas

Title: Chief Legal Officer and GC

Shares: 814

Price/Share: $18.22

Value: $14,831.08

Shares Owned: 98,994

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-26	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,573	18.07	$28,424.11	68,400	4
2026-05-01	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,573	19.30	$30,358.90	69,973	4
2026-04-17	Taylor, Jeffrey T.	Officer	Executive VP, Capital Markets	Direct	Sale	2,130	20.00	$42,600.00	178,985	4
2026-04-01	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,573	18.13	$28,518.49	71,546	4
2026-03-31	Kelly, Roland Thomas	Officer	Chief Legal Officer and GC	Direct	Sale	814	18.22	$14,831.08	98,994	4
2026-03-17	Kelly, Roland Thomas	Officer	Chief Legal Officer and GC	Direct	Sale	5,160	18.06	$93,189.60	113,934	4
2026-03-02	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,573	18.32	$28,817.36	73,119	4
2026-02-02	Taylor, Jeffrey T.	Officer	Executive VP, Capital Markets	Direct	Sale	1,772	20.33	$36,024.76	181,115	4
2026-02-02	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,573	20.53	$32,293.69	74,692	4
2026-01-26	Taylor, Jeffrey T.	Officer	Executive VP, Capital Markets	Direct	Sale	1,770	20.00	$35,400.00	184,137	4
2026-01-15	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,573	19.51	$30,689.23	49,929	4
2025-12-31	Taylor, Jeffrey T.	Officer	Executive VP, Capital Markets	Direct	Sale	3,049	20.13	$61,376.37	158,672	4
2025-12-16	Taylor, Jeffrey T.	Officer	Executive VP, Capital Markets	Direct	Sale	7,571	20.03	$151,647.13	161,721	4
2025-12-02	Kelly, Roland Thomas	Officer	Chief Legal Officer and GC	Direct	Sale	6,655	19.38	$128,973.90	100,970	4
2025-12-01	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,572	19.34	$30,402.48	46,967	4/A
2025-11-03	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,572	18.50	$29,082.00	48,539	4
2025-10-01	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,572	18.05	$28,374.60	50,111	4
2025-09-02	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,572	18.85	$29,632.20	51,683	4
2025-08-12	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,572	18.00	$28,296.00	53,255	4
2025-07-01	Szczepaniak, Mark R	Officer	Chief Financial Officer	Indirect	Sale	1,572	18.44	$28,987.68	54,827	4
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Institutional Ownership

No data available for chart

2026-03-31

99.66%

Inst. Shares: 38,493,381

Shares Outstanding: 38,626,000

2025-12-31

102.39%

Inst. Shares: 37,729,638

Shares Outstanding: 36,850,000

2025-09-30

98.15%

Inst. Shares: 37,369,721

Shares Outstanding: 38,073,000

2025-06-30

99.80%

Inst. Shares: 37,120,740

Shares Outstanding: 37,194,000

2025-03-31

103.39%

Inst. Shares: 34,829,910

Shares Outstanding: 33,687,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	38,493,381	38,626,000	99.66%
2025-12-31	37,729,638	36,850,000	102.39%
2025-09-30	37,369,721	38,073,000	98.15%
2025-06-30	37,120,740	37,194,000	99.80%
2025-03-31	34,829,910	33,687,000	103.39%
2024-12-31	32,567,774	32,653,000	99.74%
2024-09-30	32,575,090	32,711,000	99.58%
2024-06-30	32,378,612	32,585,000	99.37%
2024-03-31	32,183,001	32,541,000	98.90%
2023-12-31	32,112,259	32,206,000	99.71%
2023-09-30	31,805,882	32,275,000	98.55%
2023-06-30	31,818,218	32,122,000	99.05%
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Velocity Financial, Inc. (VEL) — SEC Financial Statements & Analysis

Velocity Financial, Inc. (VEL) is a finance services company, incorporated in DE. Velocity Financial, Inc. trades on NYSE as: VEL. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Velocity Financial, Inc. reported a Price-to-Book (P/B) ratio of 0.99x (TTM), at a market cap of $714.96M. Figures below are sourced from SEC EDGAR, as-filed.

P/B TTM: 0.99x
Market Cap: $714.96M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Velocity Financial, Inc. in?

Velocity Financial, Inc. (VEL) operates in the Finance Services industry.

What is VEL's market cap?

Velocity Financial, Inc. (VEL) has a market capitalization of $714.96M as of 2026-06-30.

What is VEL's P/E ratio?

Velocity Financial, Inc. (VEL)'s trailing twelve month P/E ratio is 6.62x as of 2026-06-30.

What exchange does VEL trade on?

Velocity Financial, Inc. (VEL) trades on the NYSE.

Where is Velocity Financial, Inc. incorporated?

Velocity Financial, Inc. is incorporated in DE.