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About the company
Velocity Financial, Inc. is a vertically integrated real estate finance company that primarily originates and manages business purpose loans secured by 1-4-unit residential rental and small commercial properties. It originates loans nationwide across an extensive network of independent mortgage brokers. The Company's portfolio provides loans held for investment. The Company’s typical investor real estate loan is secured by a first lien on the underlying property with the added protection of a personal guarantee. Its portfolio of loans held for investment totaled $5.1 billion of unpaid principal balance (UPB) on properties in 45 states and the District of Columbia. Th Company funds its portfolio primarily through a combination of committed and uncommitted secured warehouse facilities, securitized debt, corporate debt and equity.
- Revenue in USD (TTM)433.35m
- Net income in USD89.72m
- Incorporated2012
- Employees309.00
- LocationVelocity Financial Inc2945 Townsgate Road, Suite 110WESTLAKE VILLAGE 91361United StatesUSA
- Fax+1 (302) 636-5454
- Websitehttps://www.velfinance.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LexinFintech Holdings Ltd - ADR | 1.99bn | 264.29m | 464.41m | 4.67k | 1.86 | 0.2713 | -- | 0.233 | 1.48 | 1.48 | 11.18 | 10.17 | 0.604 | 253.77 | 2.51 | 427,047.10 | 8.01 | 5.48 | 14.96 | 11.56 | 36.02 | 36.50 | 13.26 | 9.84 | 1.80 | -- | 0.2869 | 5.07 | 8.78 | 6.02 | 3.24 | -13.67 | 37.72 | -- |
| Better Home & Finance Holding Co | 181.26m | -185.18m | 492.25m | 1.25k | -- | 11.50 | -- | 2.72 | -12.20 | -12.20 | 11.93 | 2.73 | 0.1626 | -- | 7.22 | 145,005.60 | -16.61 | -- | -28.96 | -- | 80.30 | 31.63 | -102.16 | -61.85 | -- | -- | 0.9674 | -- | 25.05 | 5.96 | 61.54 | -- | -5.63 | -- |
| Lendingtree Inc | 1.06bn | 14.16m | 543.41m | 927.00 | 39.10 | 4.09 | 14.88 | 0.5131 | 1.02 | 1.02 | 77.81 | 9.71 | 1.37 | -- | 6.57 | 1,142,565.00 | 1.83 | -5.75 | 2.59 | -6.73 | 96.16 | 94.65 | 1.34 | -6.74 | -- | 1.66 | 0.7477 | -- | 33.86 | -4.04 | 65.93 | -- | -10.95 | -- |
| World Acceptance Corp | 573.44m | 42.76m | 647.47m | 2.84k | 16.80 | 1.84 | 12.45 | 1.13 | 7.81 | 7.81 | 111.41 | 71.19 | 0.5091 | -- | -- | 202,058.40 | 3.80 | 6.16 | 4.24 | 7.11 | 92.33 | 92.84 | 7.46 | 11.55 | -- | -- | 0.6583 | 0.00 | -1.46 | -0.8687 | 16.03 | 26.09 | -32.21 | -- |
| Green Dot Corporation | 2.01bn | -46.94m | 661.58m | 1.15k | -- | 0.7227 | 17.95 | 0.3287 | -0.8481 | -0.8481 | 36.63 | 16.48 | 0.3642 | -- | 48.10 | 1,750,348.00 | -0.8494 | 0.5128 | -4.79 | 2.40 | -- | -- | -2.33 | 1.56 | -- | 0.921 | 0.8241 | 0.00 | 14.82 | 9.23 | -497.23 | -- | -1.02 | -- |
| Loandepot Inc | 1.48bn | -73.40m | 679.60m | 4.90k | -- | 2.61 | -- | 0.4601 | -0.3683 | -0.3683 | 7.26 | 0.7783 | 0.2333 | -- | -- | 301,431.80 | -2.25 | 3.86 | -5.39 | -- | 81.26 | 87.58 | -9.63 | 11.83 | -- | 0.5491 | 0.9117 | -- | 8.71 | -2.31 | 10.72 | -- | 16.02 | -- |
| Nerdwallet Inc | 795.00m | 73.30m | 684.23m | 650.00 | 10.27 | 1.70 | 5.61 | 0.8607 | 0.9162 | 0.9162 | 10.17 | 5.53 | 1.78 | -- | 6.71 | 1,223,077.00 | 16.38 | -1.64 | 19.44 | -1.91 | 91.60 | 91.55 | 9.22 | -1.18 | -- | -- | 0.0142 | -- | 14.71 | 24.67 | 357.63 | 1.73 | 7.55 | -- |
| Stewards Inc | 1.84m | -2.05m | 731.90m | 0.00 | -- | -- | -- | 398.24 | -0.0972 | -0.0972 | 0.0867 | -0.0691 | 1.05 | -- | 1.53 | -- | -117.26 | -- | -- | -- | -2.23 | -- | -111.48 | -- | -- | -3.89 | 1.79 | -- | 1,753.39 | -- | -486.71 | -- | -- | -- |
| Velocity Financial Inc | 433.35m | 89.72m | 768.66m | 309.00 | 8.15 | 1.21 | 8.40 | 1.77 | 2.43 | 2.43 | 11.59 | 16.30 | 0.0713 | -- | 10.90 | 1,402,411.00 | 1.50 | 1.18 | 1.64 | 1.28 | 86.20 | 92.53 | 21.01 | 14.86 | -- | 1.14 | 0.9061 | 0.00 | 30.65 | 20.81 | 31.18 | 31.34 | 20.29 | -- |
| Atlanticus Holdings Corp | 731.21m | 105.26m | 785.39m | 417.00 | 9.21 | 1.33 | 7.07 | 1.07 | 5.63 | 5.63 | 38.26 | 41.60 | 0.1445 | -- | -- | 1,753,508.00 | 2.31 | 5.98 | 2.46 | 6.34 | 50.44 | 63.53 | 16.00 | 24.79 | -- | -- | 0.9062 | 0.00 | 23.95 | 10.83 | 12.52 | 28.14 | 48.23 | -- |
| Navient Corp | 541.00m | -79.00m | 896.64m | 2.10k | -- | 0.3738 | -- | 1.66 | -0.8101 | -0.8101 | 5.44 | 24.99 | 0.0108 | -- | -- | -- | -0.1573 | 0.4934 | -0.1835 | 0.556 | 109.43 | 107.06 | -14.60 | 28.00 | -- | -1.97 | 0.9501 | 23.28 | -32.84 | -20.53 | -161.07 | -- | -- | 0.00 |
Data as of Feb 13 2026. Currency figures normalised to Velocity Financial Inc's reporting currency: US Dollar USD
56.43%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Pacific Investment Management Co. LLCas of 31 Dec 2025 | 12.64m | 32.49% |
| Beach Point Capital Management LPas of 31 Dec 2025 | 6.00m | 15.41% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 918.26k | 2.36% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 481.09k | 1.24% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 450.95k | 1.16% |
| Adage Capital Management LPas of 30 Sep 2025 | 450.05k | 1.16% |
| BlackRock Advisors LLCas of 31 Dec 2025 | 318.12k | 0.82% |
| Geode Capital Management LLCas of 31 Dec 2025 | 242.61k | 0.62% |
| American Century Investment Management, Inc.as of 31 Dec 2025 | 232.79k | 0.60% |
| BlackRock Financial Management, Inc.as of 31 Dec 2025 | 224.34k | 0.58% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
