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VEL · Velocity Financial, Inc.

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$18.34 +0.02 (+0.11%) At close · Aug 21
Market Cap
$724.09M
Shares
39.48M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$18.34 Open$18.29 Day$18.25–18.47 52W close$16.97–20.76 Avg vol 30d108K Short int1.6M · 4.1% float · 14.9d Short vol90% Last earningsAug 5, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Nov 4, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 6, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Buy Momentum Weak Sentiment Bearish Fundamentals Strong Quant / Vol Low
      Market backdrop VIX 15.1 · calm Equity put/call 0.51
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg −1%
      below
      Price vs 50-day avg +3%
      above
      RSI (14) 59
      neutral
      MACD trend Positive
      52-week position 36%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Weak
      1-month return +5%
      trailing
      6-month return −1%
      trailing
      YTD return −12%
      this year
      Relative strength −12%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $18 › 200d $19 — 200d above 50d
      Institutional flow Distributing
      -1% holders QoQ · +17 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      4.08% of float · ▲ +7.1% MoM · 14.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      102 holders — mid 3-yr range
      Squeeze score 72
      high risk · 0–100
      Fundamentals
      Strong
      EPS growth +44%
      Y/Y
      Free cash flow $17.9M
      Valuation P/E 6.6
      below peers
      Balance sheet $218.3M
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 24%
      annualized · 1-yr
      Max drawdown −18%
      past year
      ATR 2.6%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Net interest margin · this year 3.5%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      0 · 5 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −1% Neutral
      Price vs 50-day avg
      +3% Bullish
      RSI (14)
      59 Neutral
      MACD trend
      Positive Bullish
      52-week position
      36% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bearish · 2 of 6
      Trend (MA cross) No cross
      50d $18 › 200d $19 — 200d above 50d
      Institutional flow Distributing
      -1% holders QoQ · +17 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      4.08% of float · ▲ +7.1% MoM · 14.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      102 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $17 Now $18 · 36% Range high $21
      vs 200-day avg -1% vs 50-day avg +3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Available borrowings from unpledged loans $163.9M As of June 30, 2026 —
      Average loan balance $399K Three Months Ended June 30, 2026 —
      CECL reserve rate 0.28% As of June 30, 2026 —
      Core diluted earnings per share non-GAAP $0.71 Three Months Ended June 30 —
      Core income before income tax non-GAAP 38.42M Three Months Ended June 30 —
      Core pre-tax return on average equity non-GAAP 21.8% Three Months Ended June 30 —
      Coupon 9.74% As of June 30, 2026 —
      Credit loss reserve $5.1M As of June 30, 2026 —
      Diluted book value per common share $18.43 As of June 30, 2026 —
      HFI FVO loans as a percentage of total HFI loans 74.1% As of June 30, 2026 —
      Liquidity $240M As of June 30, 2026 —
      Loan count 18,219 As of June 30, 2026 —
      Loan-to-value 64.6% As of June 30, 2026 —
      Net interest margin — total company 2.82% Three Months Ended June 30, 2026 —
      Net interest spread — portfolio related 3.2% Three Months Ended June 30 —
      Net interest spread — total company 2.88% Three Months Ended June 30 —
      Nonperforming loans (NPL) as a percentage of Held for Investment (HFI) loans 9.6% As of June 30, 2026 —
      NPLs resolution UPB 90.48M Three Months Ended June 30, 2026 —
      Portfolio cost of debt 6.09% As of June 30, 2026 —
      Recovery rate 107.7% Three Months Ended June 30, 2026 —
      Total gain on new REO 5.39M Three Months Ended June 30 —
      Total loss on existing REO -3M Three Months Ended March 31 —
      Total portfolio yield 9.29% As of June 30, 2026 —
      Total Recovered 6.93M Three Months Ended June 30, 2026 —
      Unrestricted cash $76.1M As of June 30, 2026 —
      UPB of HFI FVO loans $5.2B As of June 30, 2026 —
      VCC 2026-2 securitization securities issued $398.5M Three Months Ended June 30, 2026 —
      Weighted average coupon on 2Q26 HFI loan production 9.99% Three Months Ended June 30, 2026 —
      Total loan portfolio (UPB) $6.8B 1Q26 —
      Weighted average total portfolio yield 9.23% 1Q26 —
      Nonperforming loans (NPLs) as a percentage of Held for Investment (HFI) loans 8.5% Q4 FY2025 —
      Total loan production $634.6M Q4 FY2025 —
      Total NPLs recoveries 109.8% Q4 FY2025 —
      Total loan originations $2.72B Full year 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Mortgage Finance — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      VEL
      Velocity Financial, Inc.
      this stock
      		$724.09M -11.7% — 6.6 4.1%
      RKT
      Rocket Companies, Inc.
      		 $39.44B -28.0% +31.2% — 3.5%
      FNMA
      Federal National Mortgage Association Fannie Mae
      		 $7.26B -41.4% -0.4% 627.0 1.3%
      PFSI
      PennyMac Financial Services, Inc.
      		 $3.90B -43.0% +3.1% 10.3 5.1%
      FMCC
      Federal Home Loan Mortgage Corp
      		 $3.72B -43.7% -2.7% — 1.5%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      102
      % held
      100.6%
      Net QoQ
      +92.9K sh
      Top holder
      Snow Phipps Group, LLC
      Held Float
      View
      Held by Funds
      Fund positions
      144
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      1.6M
      Days to cover
      14.9d
      Change
      +106.2K sh
      View
      Short Volume
      Short vol %
      90%
      As of
      Aug 21, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      3.5K
      Value
      $62.0K
      As of
      Jul 31, 2026
      View
      Off-Exchange
      Off-exchange %
      34.3%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Net income (FY)
      $105.1M
      EPS diluted
      $2.75
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 6, 2026
      This year
      16
      View
      Proposed Sales
      Value
      $79.3K
      Shares
      4.3K
      Filed
      Aug 11, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 5, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      VEL +1.0% +5.3% -0.8% +4.6% -11.7%
      SPY -1.4% +3.6% +11.6% +2.5% +12.3%
      vs SPY +2.4% +1.7% -12.4% +2.1% -24.0%
      Key facts CIK 1692376 CUSIP 92262D101 13F (30d) 91 filings 91 filers Visit website Investor relations

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