VEL Company Profile and Key Details

Short-term trend indicators are bearishly aligned (SMA20 -5.28%, SMA50 -3.96%, SMA200 1.38%). The stock’s 14-day RSI is 37.62 (weak momentum), while the ATR of 0.53 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -12.18% below its high and over 16.56% above its low. Average 10-day trading volume of 105.98 thousand shares is in line with the 3-month average of 107.99 thousand, indicating normal recent market interest.

Velocity Financial, Inc. generated EPS of $2.40 over the past year. Five-year average earnings growth is 17.03%. Wall Street analysts project EPS growth of 11.32% annually over the next five years. The latest quarter delivered EPS of $0.69. The next quarter is forecast at $0.67. Next year's EPS is expected at $6.97. Analyst sentiment is bullish. Analyst rating data shows there are 2 Strong Buy ratings, 1 Buy ratings, 0 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $23.00 to $21.00. The high target offers 22.6% upside. The low target suggests 11.94% downside. The mean target is $22.00. This offers 17.27% upside. Velocity Financial, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended November 06, 2025, missed forecasts by 15.0%. The prior quarter beat by 34.44%. Over the last six quarters, Apple has recorded several small beats. These include 4.65% in August 01, 2024.

Velocity Financial, Inc. has 38.44 million shares outstanding. The public float is 5.69 million shares, elevated short interest at 4.03% of float. This equals 311.55 thousand shares. The short ratio is 3.02 days. Institutional investors hold 99.38% of the float. Insiders own 2.61%. Taylor Jeffrey T. holds 181.12 thousand shares, Kelly Roland Thomas has 100.97 thousand shares and Szczepaniak Mark R has 74.69 thousand shares. Over the past six months, insider transactions show net selling. They sold 30.25 thousand shares across 11 transactions.

Velocity Financial, Inc. last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $2.33. This means the shares are trading above this model’s fair value.

Velocity Financial, Inc. (NYSE:VEL) closed at $18.76 USD, gaining $0.15 (0.81%) from the previous close of $18.61. The stock is currently mid-range between its 52-week high and low $16.12 and $21.39. With a market capitalization of about $729.76 million, Velocity Financial, Inc. is classified as a small-cap and shows market-like volatility (beta ~0.81). Key stats such as the average daily volume over the past year has been around 109.17 thousand shares, volume is running light vs its 52-week average. Headquartered in Westlake Village, CA, Velocity Financial, Inc. operates in the Financial Services sector and the Financial - Mortgages industry. Led by CEO Christopher D. Farrar, the company employs approximately 309 people and listed since January 17, 2020. Velocity Financial, Inc. operates as a real estate finance company in the United States.

Our AI price prediction model suggests that Velocity Financial, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -7.09%, with price expected at $17.43 by March 11, 2026, within a range of $17.05 to $17.82 3-Month Outlook: Projected fall of -28.2%, reaching $13.47 by May 25, 2026, with a range of $12.77 to $14.00. 1-Year Outlook: Projected gain of 20.68%, with price at $22.64 by February 25, 2027, within a range of $21.82 to $23.30.

Velocity Financial, Inc. (NYSE:VEL) shares are flat -7.76% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Velocity Financial, Inc. trading at a premium to the broader market with a P/E of 7.92. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $18.38, suggesting -2.03% downside. Our AI forecast model points to short-term weakness (-7.09% over two weeks), a medium-term fall (-28.2% over three months), and a longer-term gain (20.68% over one year), with expected trading ranges indicating moderate volatility.

Velocity Financial, Inc. trades at a P/E ratio of 7.92, slightly below the S&P 500 average, with a price-to-sales ratio of 1.26 and a price-to-book ratio of 1.13 suggesting the stock is closer to book value. The P/FCF stands at 13.18, also above market averages.