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VEL
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Velocity Financial Llc (VEL)

Upturn stock ratingUpturn stock rating
$18.99
Last Close (24-hour delay)
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PASS
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Upturn Advisory Summary

08/14/2025: VEL (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $21.33

1 Year Target Price $21.33

Analysts Price Target For last 52 week
$21.33 Target price
52w Low $16.12
Current$18.99
52w High $20.98

Analysis of Past Performance

Type Stock
Historic Profit 47.68%
Avg. Invested days 49
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 605.76M USD
Price to earnings Ratio 8.47
1Y Target Price 21.33
Price to earnings Ratio 8.47
1Y Target Price 21.33
Volume (30-day avg) 3
Beta 1.22
52 Weeks Range 16.12 - 20.98
Updated Date 08/2/2025
52 Weeks Range 16.12 - 20.98
Updated Date 08/2/2025
Dividends yield (FY) -
Basic EPS (TTM) 1.93

Earnings Date

Report Date 2025-08-07
When -
Estimate 0.5333
Actual -

Profitability

Profit Margin 39.36%
Operating Margin (TTM) 77.26%

Management Effectiveness

Return on Assets (TTM) 1.32%
Return on Equity (TTM) 13.65%

Valuation

Trailing PE 8.47
Forward PE -
Enterprise Value 5799828480
Price to Sales(TTM) 3.4
Enterprise Value 5799828480
Price to Sales(TTM) 3.4
Enterprise Value to Revenue 26.1
Enterprise Value to EBITDA -
Shares Outstanding 36491500
Shares Floating 3553179
Shares Outstanding 36491500
Shares Floating 3553179
Percent Insiders 2.81
Percent Institutions 100.12

ai summary icon Upturn AI SWOT

Velocity Financial Llc

stock logo

Company Overview

overview logo History and Background

Velocity Financial, Inc. was founded in 2004. It is a commercial real estate finance company focused on originating and managing small balance commercial (SBC) loans. Over time, it has grown its loan portfolio and expanded its reach across the US.

business area logo Core Business Areas

  • Commercial Real Estate Lending: Focuses on originating and managing small balance commercial (SBC) loans. This includes loans for multifamily, mixed-use, and other commercial properties.
  • Securitization: The company securitizes its originated loans, packaging them into securities that are sold to investors.
  • Loan Servicing: Velocity also provides loan servicing for the loans it originates and securitizes.

leadership logo Leadership and Structure

Velocity Financial's leadership team includes the CEO, CFO, and other key executives. The organizational structure comprises departments for loan origination, underwriting, servicing, and securitization.

Top Products and Market Share

overview logo Key Offerings

  • SBC Loans: Small Balance Commercial (SBC) loans are the company's primary product. These loans typically range from $250,000 to $5 million and are used to finance the acquisition, refinance, or renovation of commercial real estate properties. Market share information is fragmented, but Velocity Financial holds a noticeable share within the non-bank SBC lending segment. Competitors include banks, credit unions, and other private lenders. Revenue data varies with loan volume, and is reported in quarterly and annual earnings reports.

Market Dynamics

industry overview logo Industry Overview

The commercial real estate lending market is a large and competitive industry. It is influenced by factors such as interest rates, economic growth, and property values. The SBC segment is a niche market that is often underserved by traditional lenders.

Positioning

Velocity Financial is positioned as a specialist in the SBC lending market, focusing on borrowers and properties that may not meet the requirements of larger banks. Its competitive advantage lies in its expertise in this segment and its ability to provide flexible financing solutions.

Total Addressable Market (TAM)

The total addressable market (TAM) for SBC lending is estimated to be in the tens of billions of dollars annually. Velocity Financial is positioned to capture a segment of this market through its specialized expertise and lending products.

Upturn SWOT Analysis

Strengths

  • Specialized expertise in SBC lending
  • Flexible financing solutions
  • Established securitization platform
  • Experienced management team

Weaknesses

  • Concentration in the SBC market
  • Reliance on securitization for funding
  • Sensitivity to interest rate changes
  • Exposure to credit risk

Opportunities

  • Expansion into new geographic markets
  • Development of new loan products
  • Increased demand for SBC financing
  • Potential acquisitions of other lenders

Threats

  • Increased competition from other lenders
  • Economic downturn
  • Rising interest rates
  • Changes in regulations

Competitors and Market Share

competitor logo Key Competitors

  • BXMT
  • STAR
  • KREF

Competitive Landscape

Velocity Financial competes with a variety of lenders in the SBC market, including banks, credit unions, and other private lenders. Its advantages include its specialized expertise and flexible financing solutions. However, it faces competition from larger institutions with greater resources.

Growth Trajectory and Initiatives

Historical Growth: Velocity Financial has experienced growth in its loan portfolio and securitization volume in recent years. The growth has been driven by increased demand for SBC financing and the company's ability to originate and manage these loans effectively.

Future Projections: Future growth projections depend on various factors such as the economic environment and the company's ability to execute its strategy. Analyst estimates can be found on financial news websites.

Recent Initiatives: Recent initiatives include expanding into new geographic markets and developing new loan products to meet the evolving needs of borrowers.

Summary

Velocity Financial is a commercial real estate finance company specializing in small balance commercial loans. The company's strength lies in its expertise in this niche market and its ability to securitize its loans. However, it faces risks related to interest rate changes and economic cycles. Expanding geographic reach and new product development can contribute to future growth. Monitor financial reports for accurate valuation.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Financial News Outlets
  • Analyst Reports

Disclaimers:

The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is estimated and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Velocity Financial Llc

Exchange NYSE
Headquaters Westlake Village, CA, United States
IPO Launch date 2020-01-17
Co-Founder, CEO, President & Director Mr. Christopher D. Farrar
Sector Financial Services
Industry Mortgage Finance
Full time employees 309
Full time employees 309

Velocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor 1-4 unit residential rental properties; residential apartments combined with office or retail space; 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. The company was founded in 2004 and is headquartered in Westlake Village, California