Velocity Financial stock
VELNYSEVelocity Financial, Inc., Financial ServicesISIN US92262D1019
71Score 71 out of 100, Strong
Price and trend
60 / 100
Price history
−12% in one yearThe chart shows daily closes over 7 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 8.8% below it.
Since April 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 58).
The price is 22% below its 52-week high. Largest decline in 7 years: 83% (February 2020 to April 2020).
Chart figures for advanced users
- SMA 50$15.93
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$17.67
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)58
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$14.51
- The lowest closing price of the last twelve months.
- Resistance$20.76
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Velocity Financial, Inc. belongs to the Financial (Mortgages) industry (United States) and, with a market value of $634M, is number 6 of 6 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $349.4M (up 48.3% year on year) and earnings of $105.05M (up 53.5%).
- MEQIRI Score 71 out of 100 (Strong): rank 392 of 976 in Financial Services, median 68.
Show more
- The P/E is 5.9 (Financial Services sector median 12.6, own median of recent years 9.7).
- Our model puts fair value at $32.51, with the price 50% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 39.6% a year since 2020, Financial Services sector median 8.3%.Growth 77
- Modestly valuedP/E 5.9, Financial Services sector median 12.6, own median 9.7.Valuation 100
- High return on equityReturn on equity 15.3% over the last 12 months.Profitability 69
Weaknesses
- DilutionShare count up 83% since 2020.Capital allocation 46
Its standout strengths are valuation and fundamentals, while capital allocation holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $25.00 and expensive above $46.44 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $30.76 (excess return model) and $34.25 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $29.94, at 7.8% it would be $36.35.
Valuation metrics
Half from the excess return model, half from earnings times the sector P/E (12.6).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 24.7% on the twelve months before. Revenue has grown strongly since 2014, at around 26% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 146%, net 30%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 53%.
Debt & balance sheet
Fiscal 2025For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 11 Mar 2027in 119 days
- Last reported
- 4 Nov 2026EPS reported $0.76 (expected $0.71)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.86+2.0%
- Revenue
- $312.37M+12.3%
- Earnings per share
- $3.07+1.1%
- Revenue
- $334.96M+9.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +2.2%No formal guidance: higher loan originations expected in the second half, with July the best month for submissions.
“We don't give formal forward guidance, but I can say that July was best month we've had in terms of submissions.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 4 insiders sold, $444,475 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Kelly Roland ThomasSale
5 Nov 2026, Chief Legal Officer and GC
- Shares
- 3,200
- Price
- $18.00
- Value
- $57,600
- Szczepaniak Mark RSale
5 Nov 2026, Chief Financial Officer
- Shares
- 2,000
- Price
- $18.00
- Value
- $36,000
- Szczepaniak Mark RSale
10 Sept 2026, Chief Financial Officer
- Shares
- 2,000
- Price
- $18.03
- Value
- $36,060
Show 11 more
- Kelly Roland ThomasSale
1 Sept 2026, Chief Legal Officer and GC
- Shares
- 1,600
- Price
- $18.00
- Value
- $28,800
- Taylor Jeffrey T.Sale
11 Aug 2026, Executive VP, Capital Markets
- Shares
- 4,330
- Price
- $19.06
- Value
- $82,530
- Tam FionaSale
11 Aug 2026, Chief Accounting Officer
- Shares
- 1,232
- Price
- $19.00
- Value
- $23,408
- Szczepaniak Mark RSale
10 Aug 2026, Chief Financial Officer
- Shares
- 2,000
- Price
- $18.16
- Value
- $36,320
- Kelly Roland ThomasSale
6 Aug 2026, Chief Legal Officer and GC
- Shares
- 1,600
- Price
- $18.00
- Value
- $28,800
- Szczepaniak Mark RSale
6 Aug 2026, Chief Financial Officer
- Shares
- 400
- Price
- $18.00
- Value
- $7,200
- Szczepaniak Mark RSale
28 Jul 2026, Chief Financial Officer
- Shares
- 400
- Price
- $18.00
- Value
- $7,200
- Tam FionaSale
7 Jul 2026, Chief Accounting Officer
- Shares
- 68
- Price
- $19.00
- Value
- $1,292
- Taylor Jeffrey T.Sale
7 Jul 2026, Executive VP, Capital Markets
- Shares
- 2,165
- Price
- $19.00
- Value
- $41,135
- Kelly Roland ThomasSale
1 Jul 2026, Chief Legal Officer and GC
- Shares
- 1,600
- Price
- $18.57
- Value
- $29,710
- Szczepaniak Mark RSale
26 Jun 2026, Chief Financial Officer
- Shares
- 1,573
- Price
- $18.07
- Value
- $28,420
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Velocity Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 71
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Mortgages)
The next larger companies by market value
- Rocket CompaniesRKT $40.78B40
- Bajaj Housing FinanceBAJAJHFL.NS $7.34B67
- PennyMac Financial ServicesPFSI $3.24B51
- UWM HoldingsUWMC $2.06B36
- Walker & DunlopWD $1.36B34
ETFs that hold Velocity Financial
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.01% | 0.39% | €1.47B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 5 Nov 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.