VEL

Velocity Financial, Inc. Financials Finance Services Russell 3000

$15.72Close $612.5MMarket cap $14.51 – $20.7652-week range Nov 4, 2026Next report · after the close

Highlights

Cautions

Not in an uptrend 1 of 8 trend conditions
Lagging the market RS 19 · weaker than 81% of stocks over 12 months
Distribution down-day volume 1.6× up-day volume over 50 sessions
Earnings shrinking EPS −7% year on year
Results soon Nov 4, 2026, in 3 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026

Off 12-month high 24%

1wk 2.7% price change

1mo 4.7% price change

12-month return 14% market up 11% · its own down 25%

F-score — — Not assessed

Altman Z — Unknown

P/E 5.8× price / earnings

PEG 0.13 P/E / EPS growth

P/B 0.9× price / book

Earnings yield — EBIT / enterprise value

Cheaper than — of the market · not assessed

Revenue growth — year on year

EPS growth 7% latest quarter · -18 pts

Sales growth — latest quarter

ROE 18% return on equity

Free cash margin —

D/E 0.46 long-term debt / equity

Net debt / EBITDA —

Interest cover —EBIT / interest

Piotroski tests

Repair signals

Long-term debt down 11% ($0.4B → $0.3B)

Trade setup

ATR% 3.3% $0.51 a day · 2×ATR $14.69

RS 19 / 99 vs the universe

Trend 1 / 8 trend template

Relative volume 0.7× vs 50-day average

Up/down volume 0.62 50 sessions

Implied move — no option chain · report Nov 4, 2026

Trend template · 1 of 8

Within 25% of the 52-week high: passes

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged

Shareholders diluted The share count rose 16.2% over the year, from 34m to 39m shares. Each existing share owns a smaller fraction of the company than it did a year ago.

Last reported Aug 5, 2026

Results reaction Aug 5, 2026+3% vs market2 sessions after results

Financials

6 fiscal years · from filings

Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $105.0M +54% on FY2024

Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology

Cash
Long-term debt

Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 38.97m +94.0% since FY2020

	FY2020Dec 31, 2020	FY2021Dec 31, 2021	FY2022Dec 31, 2022	FY2023Dec 31, 2023	FY2024Dec 31, 2024	FY2025Dec 31, 2025
Net income	$17.8M	$29.2M	$32.2M	$52.3M	$68.4M	$105.0M
Earnings per share	$0.89	$0.86	$0.94	$1.52	$1.91	$2.75
Cash	$13.3M	$36.0M	$45.2M	$40.6M	$49.9M	$92.1M
Long-term debt	$76.2M	$302.8M	$331.7M	$336.4M	$350.0M	$310.4M
Shareholders' equity	$219.6M	$341.1M	$376.8M	$433.4M	$516.9M	$672.5M
Shares outstanding	20.09m	32.29m	32.49m	32.87m	33.55m	38.97m

Filings

SEC EDGAR

Filed	Report	Period to	Lag
Aug 6, 2026	Quarterly ↗	Jun 30, 2026	37d
May 7, 2026	Quarterly ↗	Mar 31, 2026	37d
Mar 12, 2026	Annual ↗	Dec 31, 2025	71d
Nov 7, 2025	Quarterly ↗	Sep 30, 2025	38d
Aug 8, 2025	Quarterly ↗	Jun 30, 2025	39d
May 1, 2025	Quarterly ↗	Mar 31, 2025	31d
Mar 12, 2025	Annual ↗	Dec 31, 2024	71d
Nov 8, 2024	Quarterly ↗	Sep 30, 2024	39d
Aug 2, 2024	Quarterly ↗	Jun 30, 2024	33d
May 3, 2024	Quarterly ↗	Mar 31, 2024	33d
Mar 15, 2024	Annual ↗	Dec 31, 2023	75d
Nov 3, 2023	Quarterly ↗	Sep 30, 2023	34d

Current reports

Filed	Disclosed
Aug 27, 2026	Material agreement · Regulation FD ↗
Aug 5, 2026	Regulation FD ↗
Aug 5, 2026	Results ↗
May 26, 2026	Shareholder vote ↗
May 7, 2026	Regulation FD ↗
May 6, 2026	Results ↗
Mar 13, 2026	Results ↗
Mar 12, 2026	Regulation FD ↗
Jan 30, 2026	Material agreement · Other events ↗
Jan 29, 2026	Material agreement · Other events ↗
Jan 26, 2026	Results · Other events ↗
Jan 20, 2026	Director or officer change ↗