Price
No data yet.
Social Signal Score
Revenue
$178.75M+713.07%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Christopher D. Farrar
- Sector
- Financial Services
- Industry
- Financial - Mortgages
- Employees
- 368
- Beta
- 0.70
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.40
Financials
Revenue
$178.75M+713.1%Net Income
$25.16M+1259.4%EBITDA
$147.67M+803.1%Free Cash Flow
$3.69M-70.3%EPS (diluted)
$0.63+584.0%Shares Outstanding (diluted)
39.30M+95.7%Operating Expenses
$2.17MCash & Debt
$245.20MReturn of Capital
$2.74MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $714.45M | $105.05M | $2.81 |
| 2024 | $482.78M | $68.42M | $2.07 |
| 2023 | $131.72M | $52.27M | $1.60 |
| 2022 | $248.38M | $32.21M | $0.99 |
| 2021 | $181.31M | $29.22M | $0.90 |
| 2020 | $165.84M | $17.78M | $-1.55 |
| 2019 | $152.78M | $17.29M | $0.86 |
| 2018 | $121.52M | $7.63M | $0.65 |
| 2017 | $94.93M | $13.99M | $1.19 |
| 2016 | $75.47M | $6.80M | $0.58 |
| 2015 | $56.50M | $7.15M | $0.36 |
| 2014 | $26.49M | $-6.30M | $-0.31 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $4.19
- Implied price
- $29.32
- Return from $18.08
- 10.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $14.58 — -19.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| -2.0% | -15.6% | -6.6% | -0.0% | 5.1% | 9.4% |
| 3.0% | -11.3% | -1.8% | 5.1% | 10.5% | 15.0% |
| 8.0% | -7.0% | 3.0% | 10.2% | 15.8% | 20.6% |
| 13.0% | -2.7% | 7.8% | 15.3% | 21.2% | 26.2% |
| 18.0% | 1.6% | 12.5% | 20.4% | 26.6% | 31.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
90Social Signal Score
Mentions (2)
- Newsseekingalpha.com·7h ago·Neutral
Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript Velocity Financial, Inc. (VEL) M&A Call Prepared Remarks Transcript
View source ↗ - Newsbusinesswire.com·14h ago·Negative
…Toorak's Operating Platform and Manage Toorak's $3 Billion Business-Purpose Loan Portfolio WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--Velocity Financial, Inc. (NYSE: VEL; “Velocity” or the “Company”) today announced a definitive agreement to acquire the operating platform of Toorak Capital LLC (“Toorak”), a business-purpose lending and asset management platform which is majority owned by funds advised by affiliates of KKR, a leading global investment firm. Toorak has also entered into separate a…
View source ↗
Earnings
Thu, Nov 5(in 2 months)
Consensus estimate $0.71 per share
Typical surprise +9.1% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$0.71 vs $0.65beat
- Wed, May 6$0.68 vs $0.64beat
- Wed, Mar 11$0.93 vs $0.67beat
- Thu, Nov 6$0.69 vs $0.67beat
- Thu, Aug 7$0.73 vs $0.54beat
- Thu, May 1$0.55 vs $0.52beat
Estimates and results for VEL via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by VEL officers and directors.
- Bought
- —
- Sold
- $1.4m
0 trades
30 trades
- Taylor Jeffrey T.sold
- Tam Fionasold
- Szczepaniak Mark Rsold
- Kelly Roland Thomassold
- Szczepaniak Mark Rsold
- Szczepaniak Mark Rsold
- Tam Fionasold
- Taylor Jeffrey T.sold
70 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.