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Velocity Financial, Inc. (VEL)
Financial Services · Mortgage Finance · NYSE
Velocity Financial, Inc. revenue & earnings — last 8 fiscal years
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $91.19M | $155.51M | $211.74M | $311.52M |
| Gross profit | — | — | — | — | — | — | — | — |
| Net income | $7.63M | $17.29M | $17.78M | $29.22M | $32.21M | $52.27M | $68.42M | $105.05M |
| Net margin | — | — | — | — | 35.3% | 33.6% | 32.3% | 33.7% |
Source: Velocity Financial, Inc. SEC filings (10-K).
What growth is priced into VEL stock?
At today's market cap of $680.10M, Velocity Financial, Inc. is priced for free-cash-flow growth of about 17.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $16.59M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -21.1%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 8 years of Velocity Financial, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Velocity Financial, Inc. financial history by metric
About Velocity Financial, Inc.
Velocity Financial, Inc. operates as a real estate finance company in the United States. 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. The company also provides warehouse and other properties. It offers its products through a network of independent mortgage brokers and direct borrower relationships. The company was founded in 2004 and is headquartered in Westlake Village, California
Velocity Financial, Inc. — frequently asked questions
What is Velocity Financial, Inc.'s revenue?
Velocity Financial, Inc. (VEL) reported revenue of $311.52M for fiscal year 2025, up 47.1% from the prior year, according to its SEC filings.
Is Velocity Financial, Inc. profitable?
Yes. VEL earned net income of $105.05M in fiscal 2025, a net margin of 33.7%.
What is VEL's P/E ratio?
Velocity Financial, Inc. trades at a price-to-earnings ratio of about 6.2 based on the latest data in our nightly-refreshed cache.
How much debt does Velocity Financial, Inc. have?
As of fiscal year 2025, VEL carried roughly $6.54B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Velocity Financial, Inc.'s market cap?
Velocity Financial, Inc. (VEL) has a market capitalization of about $680.10M, based on the latest data in our nightly-refreshed cache.
When does Velocity Financial, Inc.'s fiscal year end?
VEL's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into VEL stock?
At today's market cap of $680.10M, Velocity Financial, Inc. is priced for free-cash-flow growth of about 17.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $16.59M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -21.1%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Velocity Financial, Inc.'s official SEC filings (10-K and 10-Q), covering 8 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.