Velocity Financial Inc (VEL) — Titan Protect Analysis

VEL

Velocity Financial Inc

Financial · ·

$17.46

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$670M

Total market value of the company

Trailing P/E

6.08

Very cheap relative to earnings

Forward P/E

5.00

Based on estimated future earnings — lower means cheaper

Rev Growth

+132.1%

Year-over-year revenue change

Profit Margin

40.0%

How much profit the company keeps from each dollar of revenue

ROE

17.2%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$23.00

+32% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 3 analysts covering this stock

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

https://www.velfinance.com

Country: United States Employees: 364 Industry: Mortgage Finance

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

-0.029

Returns do not compensate for the risk — negative edge

Kelly Fraction

-0.0252

No positive edge detected — the data suggests staying out

Calmar Ratio

-0.156

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-3.3%

Historical annualised return based on price data

Max Drawdown

-21.5%

Largest peak-to-trough decline — the worst it has been

HMM State

CRISIS

Elevated risk detected — extreme caution warranted

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.76

Less volatile than the market — more defensive

52W High

$21.40

18% below the year high

52W Low

$16.19

8% above the year low

Avg Volume

97,350

Average daily shares traded — higher means easier to buy and sell

Short Ratio

14.7

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$2.81

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

965.24

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

74.9%

Revenue left after cost of goods — higher means pricing power

Operating Margin

38.2%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$272M

Total revenue over the last 12 months

Net Income

$107M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$23.50

Target Median

$23.00

Target Low

$20.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
2026-04-02	Byron Donalds	Republican	Purchase	1K–15K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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