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. At a $687.0M 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
$687.0M
Beta
0.69
P/E (TTM)
6.29
P/E (Fwd)
5.83
EPS (TTM)
$2.78
EPS (Fwd)
$3.00
ROE
17.2%
ROA
1.6%
Cash
$87.5M
Total Debt
$6.72B
Free CF
—
52W Change
0.2%
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.
With a beta below 0.7, Velocity Financial, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. No single metric tells the full story. Reviewing VEL's risk profile alongside its fundamentals and technical indicators provides a more complete picture.