VEL Company Profile and Key Details

Short-term trend indicators are bearishly aligned (SMA20 -3.77%, SMA50 -1.96%, SMA200 2.22%). The stock’s 14-day RSI is 43.79 (neutral), while the ATR of 0.61 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -12.97% below its high and over 15.51% above its low. Average 10-day trading volume of 161.87 thousand shares is significantly above the 3-month average of 75.72 thousand, indicating heightened recent market interest.

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 158.67 thousand shares, Kelly Roland Thomas has 100.97 thousand shares and Pitstick John has 47.24 thousand shares. Over the past six months, insider transactions show net selling. They sold 25.14 thousand shares across 8 transactions.

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 23.52% upside. The low target suggests 12.78% downside. The mean target is $22.00. This offers 18.15% 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. 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 $18.62 USD, gaining $0.27 (1.47%) from the previous close of $18.35. The stock is currently mid-range between its 52-week high and low $16.12 and $21.39. With a market capitalization of about $724.18 million, Velocity Financial, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.78). Key stats such as the average daily volume over the past year has been around 77.19 thousand shares, in line with 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 -9.08%, with price expected at $16.93 by January 23, 2026, within a range of $16.47 to $17.34 3-Month Outlook: Projected fall of -28.09%, reaching $13.39 by April 09, 2026, with a range of $11.39 to $14.48. 1-Year Outlook: Projected gain of 24.54%, with price at $23.19 by December 31, 2026, within a range of $22.48 to $23.90.

Velocity Financial, Inc. (NYSE:VEL) shares are down -11.61% 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 7.9. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $18.38, suggesting -1.29% downside. Our AI forecast model points to short-term weakness (-9.08% over two weeks), a medium-term fall (-28.09% over three months), and a longer-term gain (24.54% over one year), with expected trading ranges indicating moderate volatility.

Velocity Financial, Inc. trades at a P/E ratio of 7.9, slightly below the S&P 500 average, with a price-to-sales ratio of 1.83 and a price-to-book ratio of 1.12 suggesting the stock is closer to book value. The P/FCF stands at 13.02, also below market averages.