Velocity Financial Inc
Research Velocity Financial Inc (VEL) on Bullrun: valuation model: 49.9% undervalued, market cap USD 712.39M, P/E 6.7. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerVEL
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryMortgage Finance
- CurrencyUSD
- Valuation signal49.9% undervalued
- Market capUSD 712.39M
- P/E6.7
- Financial periodQ2 2026
- RevenueUSD 78.88M
- Net incomeUSD 25.16M
- Free cash flowUSD 3.35M
Valuation Snapshot
Bullrun's latest valuation model marks Velocity Financial Inc as 49.9% undervalued; latest market cap is USD 712.39M; P/E is 6.7.
Peer valuation comparison
Latest P/E is 6.68x versus a Financial Services sector median of 13.84x (51.7% below).
Latest P/E is 6.68x versus a United States median of 24.87x (73.1% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 311.53M | USD 105.00M | USD 17.88M | n/a | 2.75 | USD 92.10M | USD 6.54B | USD 672.54M |
| FY2024 | USD 211.74M | USD 68.40M | USD 37.47M | n/a | 1.91 | USD 49.90M | USD 4.86B | USD 516.94M |
| FY2023 | USD 155.46M | USD 52.30M | USD 48.66M | n/a | 1.52 | USD 40.57M | USD 3.84B | USD 433.44M |
| FY2022 | n/a | USD 32.21M | USD 48.35M | n/a | 0.94 | USD 45.25M | USD 3.20B | USD 376.81M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 712.39M | 6.7 | n/a | n/a |
| 2025 | 2025-12-31 | USD 821.55M | 7.7 | n/a | n/a |
| 2024 | 2024-12-31 | USD 656.15M | 10.3 | n/a | n/a |
| 2023 | 2023-12-29 | USD 564.51M | 13.8 | n/a | n/a |
| 2022 | 2022-12-30 | USD 312.81M | 10.4 | n/a | n/a |
| 2021 | 2021-12-31 | USD 442.41M | 19.3 | n/a | n/a |
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.
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Frequently asked questions
Is Velocity Financial Inc overvalued or undervalued?
Bullrun's valuation model currently marks Velocity Financial Inc as 49.9% undervalued.
What is Velocity Financial Inc's market cap?
Velocity Financial Inc's market capitalization is USD 712.39M.
What is Velocity Financial Inc's P/E ratio?
Velocity Financial Inc's price-to-earnings (P/E) ratio is 6.7.
What does Velocity Financial Inc do?
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.