Velocity Financial, Inc.
VELFinancial ServicesNASDAQMortgage Finance
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Daily timeframeVelocity Financial, Inc. operates as a real estate finance company in the United States. Valued at $604.1M, VEL is a small-cap name in its sector. 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
$604.1M
Beta
0.75
P/E (TTM)
5.56
P/E (Fwd)
5.04
EPS (TTM)
$2.75
EPS (Fwd)
$3.03
ROE
16.3%
ROA
1.5%
Cash
$76.2M
Total Debt
$7.05B
Free CF
—
52W Change
-18.2%
Annual Financials
Cash vs Debt
Where VEL stands vs its 150-day and 200-day moving averages
As of the October 15, 2026 close, VEL finished 17.43% below its 150-day moving average ($17.61) and 19.36% below its 200-day moving average ($18.03). 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 October 15, 2026 close, VEL's RSI(14) was 28.3, in oversold territory (below 30). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $76.2M in cash, though total debt stands at $7.05B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 16.3%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing VEL.