Velocity Financial, Inc.
VELFinancial ServicesNASDAQMortgage Finance · Last scanned Sep 5, 2026
Scan Results
Daily timeframeVelocity Financial, Inc. operates as a real estate finance company in the United States. At a $727.6M market cap, Velocity Financial, Inc. ranks as a small-cap company within financial services. The company originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor loans unit residential rental properties; residential rental properties office; and loans for multi-family, mixed use, and commercial properties.
Market Cap
$727.6M
Beta
0.70
P/E (TTM)
6.68
P/E (Fwd)
6.08
EPS (TTM)
$2.76
EPS (Fwd)
$3.03
ROE
16.3%
ROA
1.5%
Cash
$76.2M
Total Debt
$7.05B
Free CF
—
52W Change
-3.7%
Annual Financials
Cash vs Debt
Where VEL stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, VEL finished 0.66% below its 150-day moving average ($18.25) and 1.95% below its 200-day moving average ($18.49). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is VEL overbought or oversold?
At the September 3, 2026 close, VEL's RSI(14) was 50.6, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, VEL has $76.2M in cash with $7.05B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 16.3% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $91.2M (2022) to $311.5M (2025), reflecting a 242% increase over the period.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing VEL's risk profile alongside its fundamentals and technical indicators provides a more complete picture.