Velocity Financial, Inc.(VEL)Stock Analysis
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This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
VEL Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Velocity Financial, Inc. (VEL), a Financials sector company. VEL is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Velocity Financial, Inc. reports net income of $22.4M, free cash flow of $12.0M. Top institutional holders of VEL by reported 13-F value include Snow Phipps Group,, Allianz Asset Management GmbH, Beach Point Capital Management, based on the most recent SEC filings. VEL trades on the NYSE exchange and files with the SEC under CIK 1692376. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate VEL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Velocity Financial, Inc. directly from SEC EDGAR.
Net Income
Q1 2026
$22.4M
Free Cash Flow
Q1 2026
$12.0M
ROIC
Q1 2026
4.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+53.5% YoYEPS (Diluted)
+44.0% YoYTotal Assets
+33.5% YoYOp. Cash Flow
-51.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Income | $105.0M +53.5% | $68.4M +30.8% | $52.3M +62.4% | $32.2M +10.2% | $29.2M +64.4% | $17.8M |
| EPS (Diluted) | $2.75 +44.0% | $1.91 +25.7% | $1.52 +61.7% | $0.94 +9.3% | $0.86 +155.5% | $-1.55 |
| Total Assets | $7.38B +33.5% | $5.53B +25.5% | $4.40B +17.5% | $3.75B +33.3% | $2.81B +33.7% | $2.10B |
| Operating Cash Flow | $18.2M -51.9% | $37.8M -22.7% | $48.8M +0.3% | $48.7M -15.5% | $57.6M +5.0% | $54.9M |
AI Insight: VEL Financial Trends
Net income grew 47% from $15M in Q2 2024 to $22M in Q1 2026, while equity expanded consistently to $693M.
• Net income increased from $15M in Q2 2024 to $22M in Q1 2026, with peak of $35M in Q4 2025.
• Equity grew steadily from $471M in Q2 2024 to $693M in Q1 2026, reflecting consistent capital accumulation.
• Operating cash flow remained volatile, swinging from $-18M in Q3 2024 to $33M in Q4 2024.
⚠ Operating cash flow turned negative $-4M in Q4 2025 despite strong $35M net income in same quarter.
⚠ Net income declined from $35M peak in Q4 2025 to $22M in Q1 2026, breaking upward trend.
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Available Research
13F Pro tracks comprehensive data for Velocity Financial, Inc. including:
Top Institutional Holders of VEL
Snow Phipps Group, LLC
$241.6M13,353,103 shAllianz Asset Management GmbH
$228.6M12,637,764 shBeach Point Capital Management LP
$118.6M6,558,512 shBlackRock, Inc.
$29.7M1,641,916 shHBK INVESTMENTS L P
$13.3M737,500 shDIMENSIONAL FUND ADVISORS LP
$10.5M582,550 shADAGE CAPITAL PARTNERS GP, L.L.C.
$8.7M482,715 shVANGUARD CAPITAL MANAGEMENT LLC
$8.7M480,652 shAMERICAN CENTURY COMPANIES INC
$5.2M285,369 shGOLDMAN SACHS GROUP INC
$5.0M275,123 sh
| Fund | Value | Shares |
|---|---|---|
| Snow Phipps Group, LLC | $241.6M | 13,353,103 |
| Allianz Asset Management GmbH | $228.6M | 12,637,764 |
| Beach Point Capital Management LP | $118.6M | 6,558,512 |
| BlackRock, Inc. | $29.7M | 1,641,916 |
| HBK INVESTMENTS L P | $13.3M | 737,500 |
| DIMENSIONAL FUND ADVISORS LP | $10.5M | 582,550 |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $8.7M | 482,715 |
| VANGUARD CAPITAL MANAGEMENT LLC | $8.7M | 480,652 |
| AMERICAN CENTURY COMPANIES INC | $5.2M | 285,369 |
| GOLDMAN SACHS GROUP INC | $5.0M | 275,123 |
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Popular Research
Is VEL a good stock to buy?
13F Pro's AI-powered analysis of Velocity Financial, Inc. (VEL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for VEL are available on the VEL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own VEL?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling VEL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Velocity Financial, Inc.'s investment landscape.