Stocktoria
Velocity Financial, Inc. VEL
Velocity Financial, Inc. (VEL) earns a Piotroski F-score of 3/9 (weak financial health). It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| VEL | Velocity Financial, Inc. | 3/9 | — | 6.6 | — |
| AXP | AMERICAN EXPRESS CO | 4/9 | — | 21.4 | +6.4% |
| LX | LexinFintech Holdings Ltd. | 4/9 | — | — | -10% |
| COIN | Coinbase Global, Inc. | 4/9 | 4.64 | 31.2 | +9.4% |
| YRD | Yiren Digital Ltd. | 4/9 | — | — | -1.5% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
All Finance, Insurance & Real Estate companies →
About Velocity Financial, Inc.
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
FAQ
Is VEL financially healthy?
Velocity Financial, Inc.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does VEL pay a dividend?
No, Velocity Financial, Inc. does not currently pay a dividend.
How profitable is VEL?
In FY2025, Velocity Financial, Inc. had a return on equity of 15.5%.
Is VEL overvalued or undervalued?
Velocity Financial, Inc. trades at about 6.5× trailing earnings — below its 10-year norm (10-year range 7.4×–15.0×, median 10.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for VEL?
The average Wall-Street price target for Velocity Financial, Inc. is $21.83, about 21.2% above the recent price, from 3 analysts (consensus: hold).
Is VEL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Velocity Financial, Inc.: a Piotroski F-score of 3/9, a P/E of about 6.6×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.