Velocity Financial, Inc. (VEL) — Stock Score Summary

Velocity Financial, Inc. (VEL) has a MoatMap StockRank of 44/100 based on Quality (51/100), Value (46/100), and Momentum (35/100) factor scores. The current signal is HOLD. Velocity Financial is a non-bank real estate lender exposed to high credit risk and funding cost volatility, which does not fit our high-conviction quality criteria.

Velocity Financial is a specialized real estate finance company that originates and manages investor loans secured by 1-4 unit residential rental and small commercial properties. Operating in the underserved non-owner occupied mortgage market, the company utilizes a nationwide network of independent mortgage brokers to source loans. Its proprietary underwriting platform and extensive historical performance data enable precise risk pricing, establishing it as a leading niche player in the private money lending space.

Key Financial Metrics

Price$17.47
Market Cap$691M
P/E (TTM)6.21
P/E (Forward)5.11
Price/Book1.01
Return on Equity17.2%
Debt/Equity965.24
Gross Margin74.9%
Operating Margin38.2%
Revenue Growth132.1%

Velocity Financial, Inc. operates in the Mortgage Finance industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Velocity Financial, Inc.’s (VEL) StockRank?
MoatMap’s StockRank for Velocity Financial, Inc. (VEL) is 44/100, with a Hold signal. It is a composite of Quality (51), Value (46), and Momentum (35) factor ranks across MoatMap’s 19,000+ stock universe.
Does Velocity Financial, Inc. have an economic moat?
Velocity Financial, Inc. (VEL) has a Quality factor score of 51/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Velocity Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for Velocity Financial, Inc. (VEL) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Velocity Financial, Inc. in?
Velocity Financial, Inc. (VEL) operates in the Financial Services sector, specifically the Mortgage Finance industry (United States).
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