Velocity Financial (VEL)
Originates, securitizes, and manages investor real estate loans across the United States.
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Originates business-purpose loans secured by residential rental, multifamily, mixed-use, and commercial properties, then funds and manages the portfolio through securitization and other debt facilities. The business is concentrated in the United States and reports as a single segment.
Originates business-purpose investor real estate loans secured mainly by residential rental properties, with additional lending against multifamily, mixed-use, and commercial real estate. Century Health & Housing Capital adds FHA financing and servicing for multifamily, senior housing, and long-term care or assisted-living facilities.
Uses independent mortgage brokers and direct borrower relationships to source loans nationwide, then retains and manages credit exposure through a single U.S. reportable segment. Underwriting discipline, proprietary operating data, customized technology, and active servicing support the model.
Long-term funding depends on securitized debt, warehouse facilities, unsecured or corporate debt, and equity. Results remain tied to real estate conditions, financing costs, securitization access, state licensing, and mortgage-asset regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jun 17, 2026 | BTIG | Reiterate | Rating: —Target: — | Target: $22 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $245.2M · Total debt $7.05B · Total assets $7.96B · Shareholders' equity $721.5M
- Revenue
- $178.8M
- Operating income
- $154.1M
- Net income
- $25.2M
No dividends on record.
| Institutions | 98.89% | 39.04M shares | |
|---|---|---|---|
| 106 holders · as of Jun 30, 2026 | |||
| Insiders | 4.24% | 1.67M shares | |
| 8 holders · as of Sep 10, 2026 | |||
| Strategic holders | 1.27% | 501.5K shares | |
| 1 holder · as of Feb 4, 2022 | |||
| Adds to | 104.40% | ||
39.48M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 104.40%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Snow Phipps Group, LLCInstitution | 33.82% | 13.35M | as of Jun 30, 2026 |
Allianz Asset Management GmbHInstitution | 32.01% | 12.64M | as of Jun 30, 2026 |
Pacific Investment Management Company LLCInstitution | 32.01% | 12.64M | filed May 1, 2025 |
Beach Point Capital Management LPInstitution | 16.67% | 6.58M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 3.77% | 1.49M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 10, 2026 | Mark R. Szczepaniak | officer: Chief Financial Officer | −2,000 | $18.03 |
| Sep 1, 2026 | Roland Thomas Kelly | officer: Chief Legal Officer and GC | −1,600 | $18.00 |
| Aug 11, 2026 | Fiona Tam | officer: Chief Accounting Officer | −1,232 | $19.00 |
| Aug 11, 2026 | Jeffrey T. Taylor | officer: Executive VP, Capital Markets | −4,330 | $19.06 |
| Aug 10, 2026 | Mark R. Szczepaniak | officer: Chief Financial Officer | −2,000 | $18.16 |
- Redwood Trust
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Business-purpose rental and transition loans via Lima One
- Rithm Capital
Residential transition lending through Genesis Capital
- Ready Capital
Lower-to-middle-market commercial real estate lender
- Arbor Realty Trust
Multifamily, SFR, and agency real estate finance
- Walker & Dunlop
Agency, HUD, and commercial real estate finance
- Ellington Financial
Securitized residential and commercial mortgage credit
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Velocity Financial | $16.39 | +1.49% | $634.0M | 5.9 | 6.0 | 0.9 | −37.3% |
| Redwood Trust | $4.10 | +1.49% | $507.5M | — | 4.3 | 0.4 | +68.5% |
| MFA Financial | $8.57 | +1.36% | $862.7M | 7.0 | 6.7 | 1.1 | −4.4% |
| Rithm Capital | $9.68 | +1.31% | $5.33B | 15.9 | 4.3 | 0.9 | +205.4% |
| Ready Capital | $1.69 | +0.90% | $275.9M | — | — | 0.7 | −107.6% |
| Arbor Realty Trust | $4.42 | +1.73% | $834.8M | 32.1 | 10.4 | 0.7 | −11.1% |
| Walker & Dunlop | $38.21 | −0.44% | $1.32B | 34.3 | 6.8 | 1.0 | +3.5% |
| Ellington Financial | $12.73 | +0.91% | $1.58B | 7.7 | 6.6 | 2.3 | +184.1% |
| Median | 15.9 | 6.6 | 0.9 | +3.5% |