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Velocity Financial

VEL

Velocity Financial, Inc. is a vertically integrated real estate finance company that specializes in originating, securitizing, and managing investor loans for residential rental and small commercial properties.

Market cap
$718.96M-1.3%
Net income$108.5M+54.9%
Free cash flow$34.5M-57.5%
EPS (diluted)$2.80+44.3%
Trailing twelve months · change vs. prior year

Earnings

Next report

Nov 5, 2026 (in 3 months)
Revenue estimate$87.2M
EPS estimate$0.70

Financials

Q1 2026

Income statement

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Net income$22.4M+18.4%
EPS (diluted)$0.57+11.8%

Balance sheet

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Cash & equivalents$87.1M+68.5%
Total equity$693.3M+23.1%
Total assets$7.6B+27.1%

Cash flow

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Operating cash flow$12.1M+242%
CapEx$42.0K-47.5%
Free cash flow$12.0M+248%

Valuation & ratios

Valuation

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Market cap$718.96M-1.3%
P/E6.6×-0.8×

Returns & leverage

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Return on equity17.3%+3.5pp

Competitors

Profile

Velocity Financial, Inc. is a vertically integrated real estate finance company that specializes in originating, securitizing, and managing investor loans for residential rental and small commercial properties. The company leverages a nationwide network of independent mortgage brokers and proprietary data analytics to provide financing solutions for small-scale real estate investors. Its core value proposition centers on providing institutional-grade capital to a fragmented market of individual investors who typically own ten or fewer properties.

Competitive position

Velocity is a leading institutional lender in the fragmented small-balance investor loan market, distinguished by a 21-year proprietary data set and a vertically integrated securitization platform.

GeographiesUnited States
Customer segmentsSmall business investors, Independent mortgage brokers, Healthcare facility operators
Business modelAsset-backed lending, Securitization-based financing, Loan servicing
SuppliersWarehouse credit facility providers, Institutional bond investors, Rating agencies, Independent mortgage brokers
CustomersReal estate investors, Property developers, Healthcare facility owners, Secondary market loan buyers
Listed2020
Employees253.0
CEOChristopher D. Farrar
FilingsSEC EDGAR

FAQ

What is Velocity Financial's market cap?
Velocity Financial (VEL) has a market capitalization of $719.0M and trades on NYSE.
Who are Velocity Financial's competitors?
Velocity Financial's key competitors include FVCBankcorp, Inc. Common Stock, Home Federal Bancorp, Inc. of Louisiana, BV Financial, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does Velocity Financial partner with?
Velocity Financial's notable partners include Ginnie Mae, Federal Housing Administration, Zillow.
What subsidiaries does Velocity Financial have?
Velocity Financial's subsidiaries include Century Health & Housing Capital, LLC.
Where is Velocity Financial headquartered?
Velocity Financial is headquartered in United States of America and employs approximately 253 people. It has been publicly traded since 2020.