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VEL 
Velocity Financial Llc (VEL)
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Upturn Advisory Summary
12/12/2025: VEL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21.67
1 Year Target Price $21.67
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.68% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 762.05M USD | Price to earnings Ratio 8.06 | 1Y Target Price 21.67 |
Price to earnings Ratio 8.06 | 1Y Target Price 21.67 | ||
Volume (30-day avg) 3 | Beta 0.77 | 52 Weeks Range 16.12 - 20.98 | Updated Date 12/15/2025 |
52 Weeks Range 16.12 - 20.98 | Updated Date 12/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.43 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 39.61% | Operating Margin (TTM) 64.83% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 16.18% |
Valuation
Trailing PE 8.06 | Forward PE - | Enterprise Value 6816909824 | Price to Sales(TTM) 3.32 |
Enterprise Value 6816909824 | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 24.6 | Enterprise Value to EBITDA - | Shares Outstanding 38900030 | Shares Floating 6090578 |
Shares Outstanding 38900030 | Shares Floating 6090578 | ||
Percent Insiders 2.63 | Percent Institutions 96.78 |
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 | Website https://www.velfinance.com |
Full time employees 309 | Website https://www.velfinance.com | ||
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
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