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/VEL
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Velocity Financial Inc

Velocity Financial Inc

VEL
$17.97USD-0.83%-0.15 today

MARKET CAP

721.9M

P/E (TTM)

6.6x

FWD P/E

DAY RANGE

$18 – $18

52W RANGE

$17
$21

AI Summary

Stalk
Sell NowMedium

VEL has failed to reclaim its short-term EMAs and 200-day SMA, with a bearish pivot point signaling structural repair and mean reversion lower. Price is now tracking below the flat to declining EMAs and remains capped by the 200-day SMA. The tradable side is to the downside, with execution now on rejections into resistance around the 9/20 EMAs and 200-day SMA.

  • Q3 2025 loan originations reached $739M (+32% YoY)
  • Pre-tax ROE of 26% in Q4 2025 highlights strong efficiency
  • Analyst earnings revisions have turned negative, signaling revenue risk
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$182.0M$240.3M$310.8M$406.8M$550.8M
YoY %+8.8%+32.1%+29.3%+30.9%+35.4%
P / Sales2.6x1.3x1.8x1.7x1.4x
EV / Sales15.9x15.2x14.4x13.9x13.4x
Gross Profit, Adj.$76.0M$83.1M$107.8M$135.8M$185.8M
YoY %+12.6%+9.4%+29.6%+26.0%+36.8%
Margin %41.8%34.6%34.7%33.4%33.7%
EV / Gross Profit38.1x43.9x41.7x41.7x39.9x
EBITDA, Adj.$34.6M$26.3M$6.0M$-4.2M$-16.9M
YoY %+91.8%-23.8%-77.3%-170.6%-300.2%
Margin %19.0%11.0%1.9%-1.0%-3.1%
EV / EBITDA83.8x138.5x751.9x-1342.4x-439.2x
EBIT$32.2M$24.2M$5.2M$-5.0M$-17.4M
YoY %+91.4%-24.7%-78.5%-196.0%-247.1%
Margin %17.7%10.1%1.7%-1.2%-3.2%
EV / EBIT90.1x150.6x860.3x-1129.8x-426.2x
Net Income$20.6M$31.7M$51.5M$67.6M$103.7M
YoY %+166.2%+53.7%+62.4%+31.2%+53.4%
Net Margin11.3%13.2%16.6%16.6%18.8%
EPS (GAAP)$0.86$0.94$1.52$1.91$2.75
YoY %+155.5%+9.3%+61.7%+25.7%+44.0%