# Velocity Financial Inc. (VEL) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Thrifts & Mortgage Finance. Price $18.43, market value $728 million.

## Valuation
- **P/E (trailing): 6.7×** (5-yr avg 11.1×, 3-yr avg 9.7×). Velocity Financial Inc. trades at 6.7× trailing earnings, well below its own five-year average of 11.1×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.14**. A PEG of 0.14 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 3.1%** (5-yr avg 8.6%). Free cash flow equals 3.1% of the market value, below its five-year average of 8.6%, so the shares are pricier on cash than usual.
- **Earnings yield: 15.0%**. The inverse of the P/E: 15.0% of the price is earned each year.

## Profitability
- **Return on equity: 15.6%**. 15.6% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 44.0%** (3-yr 43.0%/yr). Earnings per share rose 44.0%.
- **Free-cash-flow growth (3 yr): -28.2%/yr**. Free cash flow has compounded at -28.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend: none**. Velocity Financial Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Velocity Financial Inc.; the consensus is hold, with an average price target of $21.50 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -2.4%** (YTD -11.2%, 3-mo 5.6%). The shares are down 2.4% over twelve months including dividends.
- **From 52-week high: -13.9%** (10.7% above the low). Trading 14% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.33** (volatility 25%). Beta of 0.33 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=VEL · Page: https://foliofundamentals.com/stocks/vel

Not investment advice.