Velocity Financial, Inc. (VEL) Stock Score, Valuation & Financial Research
Velocity Financial, Inc. is in the Financial Services sector and Financial - Mortgages industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 57/100.
Quick answer for VEL
Velocity Financial, Inc. currently has a Wall Street Score of 57/100. The stored market price is $16.55. Its financial score is 5/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What Velocity Financial, Inc. does
Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.
VEL financial snapshot
- Wall Street Score:
- 57/100
- Current price:
- $16.55
- Market capitalization:
- $649.7M
- Revenue:
- $688.6M
- Net income:
- $108.5M
- Free cash flow:
- $17.9M
- Cash:
- $87.1M
- Total debt:
- $6.72B
- EPS:
- 2.81
- P/E ratio:
- 5.9x
- Financial score:
- 5/100
- Valuation score:
- 100/100
- Revenue score:
- 52/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $17.9M, showing positive cash generation.
- The balance sheet shows $87.1M of cash versus $6.72B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 5/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research VEL
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.