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VEL
$19.42+0.13 (+0.67%)
Market ClosedLast close May 1
Velocity Financial, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Velocity Financial, Inc. in the Financial Services sector is trading at $19.42. The stock is currently 9% below its 52-week high of $21.39, remaining 3.8% above its 200-day moving average. Technical signals show neutral RSI of 49 and bearish MACD signal, explaining why VEL maintains its current momentum and trend strength. The Whystock Score of 85/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 49) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$19.42
Potential Upside
200.5%
Whystock Fair Value$58.36
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus3 analysts
Hold
Mean target$21.67+11.6%
Range$20.00 – $23.00
Fundamentals
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 propert...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$758.42M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
7.03
Beta
Defensive asset. Lower volatility than the S&P 500.
0.76
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Elite ROE. Management converts capital into profit efficiently.
15.62%
Volume
Today's trading volume
19,661
Recent News
Velocity Financial Inc (VEL) Q4 2025 Earnings Call Highlights: Record Growth and Strategic ...
Velocity Financial Inc (VEL) reports a 52% increase in core net income and strategic partnerships, despite challenges in the lending market.
Velocity Financial, Inc. Q4 2025 Earnings Call Summary
Moby summary of Velocity Financial, Inc.'s Q4 2025 earnings call
Velocity Financial: Q4 Earnings Snapshot
WESTLAKE VILLAGE, Calif. AP) — Velocity Financial, Inc. VEL) on Wednesday reported profit of $34.8 million in its fourth quarter.
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