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Velocity Financial, Inc. operates as a real estate finance company in the United States. The company originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor loans unit residential rental properties; residential rental properties office; and loans for multi-family, mixed use, and commercial properties. The company also provides warehouse and other properties. It offers its products through a network of independent mortgage brokers and direct borrower relationships. The company was founded in 2004 and is headquartered in Westlake Village, California
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $312M | - | $105M | $17M | 15.6% | 47.1% | 53.5% |
| 2024 | $212M | - | $68M | $33M | 13.2% | 36.2% | 30.9% |
| 2023 | $156M | - | $52M | $49M | 12.1% | 70.5% | 62.3% |
| 2022 | $91M | - | $32M | $48M | 8.5% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 311.52 |
| Operating Revenue | 311.52 |
| Selling General And Administration | 94.95 |
| Interest Income | 556.68 |
| Interest Expense | 365.05 |
| Net Interest Income | 191.64 |
| Pretax Income | 146.24 |
| Tax Provision | 41.26 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | 0 |
| Net Income Continuous Operations | 104.98 |
| Net Income From Continuing And Discontinued Operation | 105.05 |
| Net Income From Continuing Operation Net Minority Interest | 105.05 |
| Net Income | 105.05 |
| Net Income Common Stockholders | 103.71 |
| Net Income Including Noncontrolling Interests | 104.98 |
| Normalized Income | 105.05 |
| Diluted NI Availto Com Stockholders | 103.71 |
| Basic Average Shares | 36.85 |
| Diluted Average Shares | 38.18 |
| Reconciled Depreciation | 2.02 |
| Minority Interests | 0.07 |
| Gain On Sale Of Security | -30.45 |
| General And Administrative Expense | 93.52 |
| Other Gand A | - |
| Salaries And Wages | 90.22 |
| Insurance And Claims | 2.18 |
| Rent Expense Supplemental | 1.12 |
| Selling And Marketing Expense | 1.43 |
| Rent And Landing Fees | 1.12 |
| Otherunder Preferred Stock Dividend | 1.35 |
| Professional Expense And Contract Services Expense | 6.10 |
| Other Non Interest Expense | 58.43 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Velocity Financial, Inc.this co. | VEL | $685M | 6.52↓ discount | 1.02 | 15.6% | - |
| Alerus Financial Corporation | ALRS | $721M | 41.37 | 1.28 | 3.1% | - |
| Financial Institutions, Inc. | FISI | $721M | 9.63 | 1.18 | 12.2% | - |
| SmartFinancial, Inc. | SMBK | $712M | 14.13 | 1.29 | 9.1% | - |
| Independent Bank Corporation | IBCP |
| - |
| - |
| - |
| - |
| - |
| $705M |
| 10.28 |
| 1.40 |
| 13.6% |
| - |
| Shore Bancshares, Inc. | SHBI | $695M | 11.68 | 1.18 | 10.1% | - |
| Community West Bancshares | CWBC | $661M | 17.31 | 1.61 | 9.3% | - |
| Tiptree Inc. | TIPT | $656M | 18.79 | 1.29 | 6.9% | - |
| Third Coast Bancshares, Inc. | TCBX | $652M | 9.84 | 1.23 | 12.5% | - |
| Peer Median | - | 12.91 | 1.28 | 9.7% | - | |