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Home CompaniesVelocity Financial Llc

Velocity Financial Llc

Financial Services Mortgage Finance
PortfolioPortfolio WatchlistWatchlist
Company price
16.38 USD 0.01 ( 0.06%)
Last update at 2026-11-12T15:35:00Z
VOLUME
38127
Market Cap
534.35M
P/E
12.94

Momentum Score

…

Velocity Financial, Inc. operates as a real estate finance company in the United States. The company originates and acquire loans, which is secured by mortgage liens on income-producing and/or owner/user commercial properties, including investor 1-4, a non-owner occupied residential rental properties with 1-4 units; residential apartments combined with office or retail space; and multi-family comprising traditional apartment buildings, condominiums, and other residential properties with 5+ units. It also finances for retail properties with various types of retail products and merchandise or services; commercial properties occupied by professional or business offices; and warehouse and other properties, which include self-storage units, auto services, hospitality, light industrial, and other commercial enterprises, as well as provides short-term and interest-only loans for acquisition and improvement of 1-4-unit residential properties. The company offers its products through a network of independent mortgage brokers for independent real estate investors and small business owners. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California.

Source: TradingView
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Day Price Range
16.10
Low
16.72
High
52 Week Price Range
7.81
Low
18.05
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
16.37
Dividend Yield
-
Revenue TTM
114.41M
Revenue Per Share
3.56
Gross Profit TTM
76.81M
Debt / Equity
8.70
ROE
10.97%
Net Debt
3231.70M
ROCE
4.70%
Diluted EPS TTM
1.26

Stock Analysis

View All

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 44.55M 39.79M 23.13M 25.40M 19.25M
Minority interest 0.31M - - - -
Net income 32.21M 29.22M 17.78M 17.29M 10.55M
Selling general administrative 32.21M 27.95M 22.47M 22.80M 21.45M
Selling and marketing expenses 1.42M - - - -
Gross profit 80.34M 62.47M 53.17M 54.26M 45.60M
Reconciled depreciation 2.12M 2.41M 2.45M 2.47M 1.43M
Ebit 171.97M 39.79M 23.13M 25.40M 95.17M
Ebitda 174.08M 42.20M 25.57M 27.87M 96.60M
Depreciation and amortization 2.12M 2.41M 2.45M 2.47M 1.43M
Operating income 171.97M 39.79M 23.13M 25.40M 95.17M
Other operating expenses 59.67M -36.09M -42.84M -28.86M 49.57M
Interest expense 157.19M 106.00M 99.88M 98.52M 75.92M
Tax provision 12.03M 10.57M 5.35M 8.11M 11.62M
Interest income 240.34M 181.97M 167.32M 98.52M 75.92M
Net interest income 83.15M 75.97M 67.45M 59.01M 48.80M
Income tax expense 12.03M 10.57M 5.35M 8.11M 8.70M
Total revenue 93.08M 75.88M 65.97M 54.26M 45.60M
Total operating expenses 59.67M -36.09M -42.84M -28.86M 49.57M
Cost of revenue 12.73M 13.41M 12.80M 7.40M 6.01M
Total other income expense net -127.42M 31.61M 16.81M 22.75M -75.92M
Net income from continuing ops 32.52M 50.36M 17.78M 17.29M 10.55M
Net income applicable to common shares 32.21M 20.64M -31.18M 17.29M 7.63M
Preferred stock and other adjustments - - 48.95M - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 3748.97M 2812.48M 2102.87M 2214.77M 1737.98M
Intangible assets 9.24M 7.15M - - 4.78M
Other current assets 43.56M -74.50M -86.50M 222.13M 81.23M
Total liab 3368.47M 2467.99M 1883.29M 2061.92M 1598.27M
Total stockholder equity 376.81M 341.11M 219.59M 152.84M 139.72M
Deferred long term liab 0.50M 0.50M - 4.00M 1.26M
Other current liab -330.81M -301.07M -75.92M -421.55M -
Common stock 376.81M 0.32M 0.20M 152.84M 136.80M
Capital stock 0.33M 0.32M 0.20M - -
Retained earnings 76.63M 44.42M 15.20M - -
Good will 6.78M 6.78M - - -
Other assets 375.25M 2665.55M 1998.95M 2113.80M 1663.52M
Cash 45.25M 36.13M 13.27M 22.55M 15.95M
Cash and equivalents 45.25M 35.97M 13.27M 21.46M 15.01M
Total current liabilities 91.53M 301.07M 75.92M 421.55M 215.93M
Net debt 3231.70M 2339.66M 1716.65M 1983.22M 1529.22M
Short term debt 330.81M 301.07M 75.92M 421.55M 215.93M
Short long term debt 330.81M 301.07M 75.92M 421.55M 215.93M
Short long term debt total 3276.95M 2375.79M 1729.92M 2005.78M 1545.17M
Other stockholder equity -76.63M 296.36M 204.19M 152.84M 143.75M
Property plant equipment 3.36M 3.83M 4.33M 5.42M 0.75M
Total current assets 3358.56M 125.43M 99.78M 90.28M 68.94M
Long term investments 3548.49M 2616.83M 1962.73M - -
Net tangible assets 370.04M 337.71M 214.99M 147.58M 132.02M
Short term investments 3272.39M 2527.56M - - -
Net receivables 87.18M 89.30M 86.50M 67.73M 52.98M
Long term debt 2946.14M 2074.72M 1654.00M 2005.78M 1545.17M
Accounts payable 91.53M 92.19M 63.36M 49.85M 26.80M
Noncontrolling interest in consolidated entity 3.69M 3.38M - - -
Accumulated other comprehensive income - - -90.00M -5.15M -4.04M
Common stock total equity 0.33M 0.32M 0.20M - -
Retained earnings total equity 76.63M 44.42M 15.20M - -
Treasury stock -0.46M - - - -
Non currrent assets other -9.24M -21.50M -6.65M -8.28M -5.54M
Non current assets total 15.16M 21.50M 4.14M 10.69M 5.54M
Long term debt total 3276.95M 2375.79M 1729.92M 2005.78M 1545.17M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 815.92M 685.22M 87.74M -305.93M -270.20M
Change to liabilities -2.56M 16.45M 11.06M 18.31M 0.43M
Total cashflows from investing activities -908.24M -656.48M 87.74M -305.93M -270.20M
Net borrowings 18.56M 65.82M -283.12M 467.74M 351.48M
Total cash from financing activities 874.02M 626.17M -149.89M 422.14M 343.63M
Change to operating activities -8.04M -0.36M 4.07M -3.23M -3.04M
Net income 32.52M 29.22M 17.78M 17.29M 10.55M
Change in cash 14.45M 27.31M -7.26M 10.88M 0.95M
Begin period cash flow 47.60M 20.29M 27.55M 16.68M 15.73M
End period cash flow 62.06M 47.60M 20.29M 27.55M 16.68M
Total cash from operating activities 48.67M 57.62M 54.89M -105.34M -72.48M
Issuance of capital stock 0.61M 0.14M 141.84M 0.00M 0.00M
Depreciation 2.12M 2.41M 2.45M 2.47M 1.43M
Other cashflows from investing activities -1723.83M -1341.57M -3.84M 5.99M 4.33M
Change to account receivables - - -5.60M - -
Sale purchase of stock -0.46M -0.42M 144.00M -27.71M 0.00M
Other cashflows from financing activities 3246.40M 2341.07M 989.31M 1704.90M 1186.20M
Change to netincome 10.16M -16.83M 8.98M -136.17M -70.05M
Capital expenditures 0.33M 0.33M 1.57M 2.00M 1.70M
Change receivables -7.42M -3.29M -5.60M - -
Cash flows other operating -13.11M 10.72M 29.66M - -
Cash and cash equivalents changes 14.45M 27.31M -7.26M - -
Change in working capital -18.03M 12.80M 9.53M 0.63M -19.31M
Stock based compensation 3.34M 2.16M 0.96M 12.81M 10.53M
Other non cash items 17.15M 20.98M 22.51M -130.77M -72.70M
Free cash flow 48.35M 57.29M 53.32M -107.34M -74.19M

Peer Comparison*

Sector: Financial Services Industry: Mortgage Finance

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
VEL
Velocity Financial Llc		 0.01
0.06%		 16.38 12.94 - 4.60 1.24
FMCCT
Federal Home Loan Mortgage Corp Pref Perpetual		 -
-%		 10.68 197.79 - 2.68 -
RKT
Rocket Companies Inc		 -0.17
1.21%		 14.27 8.17 62.50 7.58 3.14
FNMFO
Federal National Mortgage Association		 -
-%		 24500.00 1000000.00 - 0.55 -
FNMAS
Federal National Mortgage Association Pref S		 -
-%		 7.60 1701.43 - 0.55 -

Profile*

Velocity Financial Llc

Velocity Financial, Inc. operates as a real estate finance company in the United States. The company originates and acquire loans, which is secured by mortgage liens on income-producing and/or owner/user commercial properties, including investor 1-4, a non-owner occupied residential rental properties with 1-4 units; residential apartments combined with office or retail space; and multi-family comprising traditional apartment buildings, condominiums, and other residential properties with 5+ units. It also finances for retail properties with various types of retail products and merchandise or services; commercial properties occupied by professional or business offices; and warehouse and other properties, which include self-storage units, auto services, hospitality, light industrial, and other commercial enterprises, as well as provides short-term and interest-only loans for acquisition and improvement of 1-4-unit residential properties. The company offers its products through a network of independent mortgage brokers for independent real estate investors and small business owners. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California.

30699 Russell Ranch Road, Westlake Village, CA, United States, 91362

818 532 3700

https://www.velfinance.com

194

Name Title Year Born
Mr. Jeffrey T. Taylor Exec. VP of Capital Markets 1969
Ms. Fiona Tam Chief Accounting Officer 1971
Mr. Christopher D. Farrar Co-Founder, CEO, Pres & Director 1967
Mr. Mark R. Szczepaniak Chief Financial Officer 1958
Mr. Christopher J. Oltmann Corp. Treasurer & Director of Investor Relations 1966
Mr. Roland Thomas Kelly Chief Legal Officer, Gen. Counsel & Corp. Sec. 1971
Mr. Graham M. Comley Chief Information Officer of Velocity Commercial Capital LLC 1980
Mr. Joseph A. Cowell Chief Operating Officer of Velocity Commercial Capital LLC 1980

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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