What is the 13F Pro Quality Score for VEL?

13F Pro ranks Velocity Financial, Inc. (VEL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View VEL's current score at https://13fpro.ai/research/VEL (free sign-up required for the full ranking).

Where does 13F Pro source VEL data?

All Velocity Financial, Inc. fundamentals and ownership data come directly from SEC EDGAR. Velocity Financial, Inc. files with the SEC under CIK 1692376. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is VEL in?

Velocity Financial, Inc. (VEL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is VEL research updated on 13F Pro?

VEL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Velocity Financial, Inc.(VEL)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSE

Institutional-grade research for retail investors

SEC EDGAR: CIK 1692376 VEL stock profile & AI dashboard →

13F Pro Quality Score

Not in ranked universe

Pending next ranking run

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% YoY

$105.0MFY 2025

FY22 $32.2MFY23 $52.3MFY24 $68.4MFY25 $105.0M

EPS (Diluted)

+44.0% YoY

$2.75FY 2025

FY22 $0.94FY23 $1.52FY24 $1.91FY25 $2.75

Total Assets

+33.5% YoY

$7.38BFY 2025

FY22 $3.75BFY23 $4.40BFY24 $5.53BFY25 $7.38B

Op. Cash Flow

-51.9% YoY

$18.2MFY 2025

FY22 $48.7MFY23 $48.8MFY24 $37.8MFY25 $18.2M

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.

AI Insight: VEL Ratio Trends

ROE and ROIC plunged in Q1 2026 to 12.9% and 17.8% respectively, erasing gains from Q4 2025's strong 20.7% and 29.8% performance.

• ROE improved from 12.5% in Q2 2024 to 20.7% in Q4 2025 before dropping to 12.9% in Q1 2026.

• ROIC peaked at 29.8% in Q4 2025, up from 16.9% in Q2 2024, but fell sharply to 17.8% in Q1 2026.

• ROA reached 1.9% in Q4 2025, the highest level across all quarters, before declining to 1.2% in Q1 2026.

⚠ Sharp quarterly volatility in returns with Q1 2026 showing significant deterioration from Q4 2025 peaks across all metrics.

⚠ Seasonal patterns appear strong with Q4 quarters consistently outperforming Q1 quarters across ROE and ROIC measures.

Get alerted when VEL's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for Velocity Financial, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of VEL

Snow Phipps Group, LLC
$241.6M13,353,103 sh
Allianz Asset Management GmbH
$228.6M12,637,764 sh
Beach Point Capital Management LP
$118.6M6,558,512 sh
BlackRock, Inc.
$29.7M1,641,916 sh
HBK INVESTMENTS L P
$13.3M737,500 sh
DIMENSIONAL FUND ADVISORS LP
$10.5M582,550 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$8.7M482,715 sh
VANGUARD CAPITAL MANAGEMENT LLC
$8.7M480,652 sh
AMERICAN CENTURY COMPANIES INC
$5.2M285,369 sh
GOLDMAN 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

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put VEL on your watchlist

Track score changes the day Velocity Financial, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

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.