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Velocity Financial, Inc.

  • Market Cap: Micro Cap
  • Industry: Finance
  • ISIN: US92262D1019
USD
18.97
-0.36 (-1.86%)

Dec 04

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

18.7919.45

52 Week

16.1220.98
Valuation
Technical
Day's Volume

CASH

52.27 k

Shareholding (Mar 2025)

FII

1.36%

Held by 27 FIIs

DII

54.05%

Held by 9 DIIs

Promoter

39.26%

How big is Velocity Financial, Inc.?

22-Jun-2025

As of Jun 18, Velocity Financial, Inc. has a market capitalization of 676.43 million and reported net sales of 478.65 million with a net profit of 68.92 million for the latest four quarters. Shareholder's funds were 516.94 million, and total assets amounted to 5,529.60 million as of December 2024.

As of Jun 18, Velocity Financial, Inc. has a market capitalization of 676.43 million, classifying it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported net sales of 478.65 million and a net profit of 68.92 million for the latest four quarters ending in March 2025, December 2024, September 2024, and June 2024.<BR><BR>As of December 2024, the company's shareholder's funds amounted to 516.94 million, while total assets were reported at 5,529.60 million.

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What does Velocity Financial, Inc. do?

22-Jun-2025

Velocity Financial, Inc. is a micro-cap finance company with recent net sales of $131 million and a net profit of $18 million. Key metrics include a P/E ratio of 9.00 and a return on equity of 12.29%.

Overview:<BR>Velocity Financial, Inc. operates in the finance industry and is classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 131 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 18 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 676.43 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 9.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 12.29% <BR>Price to Book: 1.20 <BR><BR>Contact Details:<BR>Registrar Address: Not available.

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Is Velocity Financial, Inc. overvalued or undervalued?

20-Sep-2025

As of August 7, 2025, Velocity Financial, Inc. is rated very attractive due to its undervaluation indicated by a P/E ratio of 9, a PEG ratio of 0.61, and an EV to EBITDA ratio of 1.38, despite recent underperformance against the S&P 500, suggesting strong potential for recovery and growth.

As of 7 August 2025, the valuation grade for Velocity Financial, Inc. has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued based on its key metrics, including a P/E ratio of 9, a PEG ratio of 0.61, and an EV to EBITDA ratio of 1.38. In comparison, peers such as Runway Growth Finance Corp. have a P/E of 5.47 and NewtekOne, Inc. has a P/E of 5.88, suggesting that Velocity is trading at a premium relative to its peers, yet still remains attractive given its strong performance indicators.<BR><BR>Despite recent underperformance against the S&P 500, with a year-to-date return of -5.73% compared to the index's 12.22%, Velocity's long-term performance shows resilience, with a 5-year return of 243.39% versus the S&P 500's 96.61%. This divergence highlights the potential for recovery and growth, reinforcing the view that Velocity Financial, Inc. is currently undervalued.

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Is Velocity Financial, Inc. technically bullish or bearish?

29-Sep-2025

As of September 26, 2025, Velocity Financial, Inc. shows a mildly bullish trend driven by a bullish weekly MACD and On-Balance Volume, despite mixed signals from monthly and daily indicators.

As of 26 September 2025, the technical trend for Velocity Financial, Inc. has changed from sideways to mildly bullish. The weekly MACD is bullish, supported by a bullish signal from the Bollinger Bands and a bullish On-Balance Volume (OBV). However, the monthly MACD and KST are mildly bearish, indicating some caution. The daily moving averages are mildly bearish, which contrasts with the overall bullish sentiment in the weekly indicators. Overall, the current stance is mildly bullish, driven primarily by the weekly MACD and OBV, despite mixed signals from other time frames. Multi-period return data is not available for comparison with the S&P 500.

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with a 27.40% CAGR growth in Operating Profits

 
2

Healthy long term growth as Operating profit has grown by an annual rate of 27.40%

 
3

Positive results in Jun 25

4

With ROE of 12.29%, it has a attractive valuation with a 1.12 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 741 Million (Micro Cap)

stock-summary
P/E

9.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

13.43%

stock-summary
Price to Book

1.24

Revenue and Profits:
Net Sales:
152 Million
(Quarterly Results - Jun 2025)
Net Profit:
26 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
0.42%
0%
0.42%
6 Months
12.78%
0%
12.78%
1 Year
-8.09%
0%
-8.09%
2 Years
33.97%
0%
33.97%
3 Years
87.08%
0%
87.08%
4 Years
48.09%
0%
48.09%
5 Years
214.59%
0%
214.59%

Velocity Financial, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Velocity Financial Forms Golden Cross, Signaling Potential Bullish Breakout Ahead

Velocity Financial Forms Golden Cross, Signaling Potential Bullish Breakout Ahead

Velocity Financial, Inc. has recently experienced a Golden Cross, a technical event that may signal a shift in momentum. Despite a challenging year, indicators such as daily moving averages and the weekly MACD suggest potential bullish sentiment, although recent performance remains negative, warranting cautious optimism among investors.

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Velocity Financial, Inc. Experiences Revision in Stock Evaluation Amid Market Dynamics

Velocity Financial, Inc. Experiences Revision in Stock Evaluation Amid Market Dynamics

Velocity Financial, Inc. has recently revised its evaluation amid market changes, with its stock priced at $18.49. The company has shown volatility over the past year, with a 52-week high of $20.98 and a low of $16.12. Despite short-term challenges, it has delivered strong long-term returns.

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Is Velocity Financial, Inc. technically bullish or bearish?

As of 26 September 2025, the technical trend for Velocity Financial, Inc. has changed from sideways to mildly bullish. The weekly MACD is bullish, supported by a bullish signal from the Bollinger Bands and a bullish On-Balance Volume (OBV). However, the monthly MACD and KST are mildly bearish, indicating some caution. The daily moving averages are mildly bearish, which contrasts with the overall bullish sentiment in the weekly indicators. Overall, the current stance is mildly bullish, driven primarily by the weekly MACD and OBV, despite mixed signals from other time frames. Multi-period return data is not available for comparison with the S&P 500....

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Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
25.44%
EBIT Growth (5y)
27.40%
EBIT to Interest (avg)
1.34
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.25%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
68.25%
ROE (avg)
10.04%
Valuation key factors
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.12
EV to EBIT
1.39
EV to EBITDA
1.38
EV to Capital Employed
1.14
EV to Sales
1.16
PEG Ratio
0.61
Dividend Yield
NA
ROCE (Latest)
81.83%
ROE (Latest)
12.29%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Bullish
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Strategic Entities

Domestic Funds

Held in 23 Schemes (5.33%)

Foreign Institutions

Held by 27 Foreign Institutions (1.36%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 41.55% vs 32.55% in Jun 2024",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 78.62% vs 20.83% in Jun 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "151.60",
          "val2": "107.10",
          "chgp": "41.55%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "127.10",
          "val2": "87.30",
          "chgp": "45.59%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "88.00",
          "val2": "65.30",
          "chgp": "34.76%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "25.90",
          "val2": "14.50",
          "chgp": "78.62%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "825.90%",
          "val2": "808.40%",
          "chgp": "1.75%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 33.23% vs 33.53% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 31.26% vs 60.94% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "451.00",
          "val2": "338.50",
          "chgp": "33.23%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "370.60",
          "val2": "279.00",
          "chgp": "32.83%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "271.00",
          "val2": "203.00",
          "chgp": "33.50%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "-0.70",
          "chgp": "100.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "67.60",
          "val2": "51.50",
          "chgp": "31.26%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "814.70%",
          "val2": "811.70%",
          "chgp": "0.30%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
151.60
107.10
41.55%
Operating Profit (PBDIT) excl Other Income
127.10
87.30
45.59%
Interest
88.00
65.30
34.76%
Exceptional Items
0.00
0.00
Consolidate Net Profit
25.90
14.50
78.62%
Operating Profit Margin (Excl OI)
825.90%
808.40%
1.75%
USD in Million.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in quarter ended Jun 2025 is 41.55% vs 32.55% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 78.62% vs 20.83% in Jun 2024

All Quarterly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
451.00
338.50
33.23%
Operating Profit (PBDIT) excl Other Income
370.60
279.00
32.83%
Interest
271.00
203.00
33.50%
Exceptional Items
0.00
-0.70
100.00%
Consolidate Net Profit
67.60
51.50
31.26%
Operating Profit Margin (Excl OI)
814.70%
811.70%
0.30%
USD in Million.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 33.23% vs 33.53% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 31.26% vs 60.94% in Dec 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Velocity Financial, Inc. stock-summary
stock-summary
Velocity Financial, Inc.
Finance
No Details Available.
Company Coordinates stock-summary
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No Company Details Available
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