Velocity Financial, Inc. (VEL)

In the past six months, Velocity Financial's stock has been influenced by several events. In Q1 2025, the company reported a 69.1% year-over-year surge in loan production, reaching $640.4 million. In June 2025, the company's P/E ratio was noted at 9.72. Velocity Financial held its Q2 2025 Results Webcast & Conference Call on August 7, 2025, and announced a dual listing on NYSE Texas on August 13, 2025. In September 2025, the Federal Reserve implemented a 25-basis-point interest rate cut. On October 23, 2025, the average rate on a 30-year fixed-rate U.S. mortgage fell to 6.19%. On October 27, 2025, the stock price experienced a slight decline of -0.160% to $18.70. Velocity Financial is scheduled to release its Q3 2025 results on November 6, 2025.

The market for Velocity Financial's products and services is characterized as substantial and durable with strong demand. The company has consistently reported robust loan origination volumes and anticipates this strong demand to continue. Demand for their specialized lending products is less prone to pronounced seasonality or is effectively managed by the company's operations.

Velocity Financial, Inc. is a vertically integrated real estate finance company specializing in originating and managing business-purpose loans, trading on the NYSE under the ticker VEL. It operates in the Finance sector, providing financing solutions for real estate investors and small business owners. Its major products include loans secured by various property types, offering both fixed-rate and adjustable-rate options, focusing on asset-based underwriting and Non-QM products.

Velocity Financial, Inc. originates loans nationwide through an extensive network of independent mortgage brokers, operating in 45 states and Washington, D.C. Headquartered in Westlake Village, California, it also has operations in key states such as New York, California, Florida, and New Jersey.

Velocity Financial, Inc. has cultivated a strong brand reputation over its 18-year history within its core market, making it an attractive lender for its extensive network of independent mortgage brokers. The company is recognized as a market leader in the origination and management of investor real estate loans.

Velocity Financial, Inc. has a diverse ownership structure. Institutional investors collectively hold approximately 88% of the company's shares. SPG GP LLC is the largest individual shareholder, holding 66.67% of the company's shares. Company insiders own about 5% of the shares, while the remaining 7% is held by the public and retail investors.