VEL
Velocity Financial, Inc.Financial Services · $597M market cap
Verdict
Share price
$14.59
close of Oct 3, 2026
Fair value
$21.54
Sticker Price
Payback Price
$8.61
buy price
VEL is Undervalued: at $14.59 it trades 32% below its fair value of $21.54. Its buy price (Payback Price) is $8.61, 41% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.
How we valued it
Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.
Business quality
3 of 5 clear the 10% bar. What are the Big Five?
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Since Jun 26, 2026: no open-market purchases, 12 sales worth $351K and 2 other filings (stock awards, tax withholding and similar). Why purchases matter
Sales
Szczepaniak Mark R
Chief Financial Officer · 2026-09-10
Sold
$36K
Kelly Roland Thomas
Chief Legal Officer and GC · 2026-09-01
Sold
$29K
Tam Fiona
Chief Accounting Officer · 2026-08-11
Sold
$23K
Taylor Jeffrey T.
Executive VP, Capital Markets · 2026-08-11
Sold
$83K
Szczepaniak Mark R
Chief Financial Officer · 2026-08-10
Sold
$36K
Show all 12 salesShow fewer
Szczepaniak Mark R
Chief Financial Officer · 2026-08-06
Sold
$7K
Kelly Roland Thomas
Chief Legal Officer and GC · 2026-08-06
Sold
$29K
Szczepaniak Mark R
Chief Financial Officer · 2026-07-28
Sold
$7K
Taylor Jeffrey T.
Executive VP, Capital Markets · 2026-07-07
Sold
$41K
Tam Fiona
Chief Accounting Officer · 2026-07-07
Sold
$1K
Kelly Roland Thomas
Chief Legal Officer and GC · 2026-07-01
Sold
$30K
Szczepaniak Mark R
Chief Financial Officer · 2026-06-26
Sold
$28K
Other filings
About Velocity Financial, Inc.
Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers…
Financial - Mortgages
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works