Velocity Financial, Inc.
VELFinancial ServicesNASDAQMortgage Finance · Last scanned May 30, 2026
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Daily timeframeHeadquartered within the financial services sector, Velocity Financial, Inc. focuses on Mortgage Finance services and products. Velocity Financial, Inc. operates as a real estate finance company in the United States. With a market capitalization of $687.0M, it sits in small-cap territory. 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
$687.0M
Beta
0.76
P/E (TTM)
6.23
P/E (Fwd)
5.12
EPS (TTM)
$2.81
EPS (Fwd)
$3.42
ROE
17.2%
ROA
1.6%
Cash
$87.5M
Total Debt
$6.72B
Free CF
—
52W Change
4.2%
Annual Financials
Cash vs Debt
Velocity Financial, Inc. carries $6.72B in total debt against $87.5M in cash reserves — debt is roughly 76.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 17.2% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.6% 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.