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NYSE · Finance

Velocity Financial, Inc. (VEL)

Operating cash flow minus capital spending left $17.9M of free cash flow in fiscal 2025. At September 30, 2026 it held $86.8M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.

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Key facts about Velocity Financial, Inc.

Net worth

Velocity Financial, Inc. has a market value (market cap) of $696.8M at the latest share price, and shareholders' equity of $753.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.

Cash flow

In fiscal 2025 operations brought in $18.2M of cash; after $281K of capital spending, free cash flow was $17.9M.

Latest report

The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR

Next earnings report

Velocity Financial, Inc.'s next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.

What Velocity Financial, Inc. does

Velocity Financial, Inc. is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NYSE under the ticker VEL.

Revenue and profit by year

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Earnings: every quarter and the next report date

Full financial statements: income, balance sheet and cash flow

Latest SEC filings

What Velocity Financial, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.

1. November 6, 2026
   Quarterly results 8-K
2. November 6, 2026
   Quarterly report 10-Q · period to September 30, 2026Diluted EPS $0.67 versus $0.65.
3. November 6, 2026
   Investor disclosure 8-K
4. August 27, 2026
   Material agreement 8-K
5. August 6, 2026
   Quarterly report 10-Q · period to June 30, 2026Diluted EPS $0.64 versus $0.69.
6. August 5, 2026
   Investor disclosure 8-K
7. August 5, 2026
   Quarterly results 8-K
8. May 26, 2026
   Shareholder vote results 8-K
9. May 7, 2026
   Investor disclosure 8-K
10. May 7, 2026
    Quarterly report 10-Q · period to March 31, 2026Diluted EPS $0.57 versus $0.51.

Recent insider filings (Forms 3, 4 and 144): 10, the latest on November 6, 2026. Insider transactions on SEC

Insider trades

What the people running Velocity Financial, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.

Insiders sold $158.5K worth of shares in the last 90 days and bought none on the open market. All of the selling was pre-planned under Rule 10b5-1 trading plans.

All insider filings on SEC.gov · Where insiders are buying across the market

Who owns VEL

Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.

5% holders

Anyone who owns more than 5% of a class of shares must say so on Schedule 13D (if they may seek to influence the company) or 13G (a passive holder). The latest filing of each holder is shown: 13G filings of the last 2 years, 13D of the last 3.

Largest institutional holders

Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 100 managers reported a position.

Insiders

Reported holdings of insiders who filed a Form 4 in the last 12 months: the shares each one held after their latest reported transaction. This is not the total held by all insiders.

8 insiders reported holding 2,698,369 shares in total, about $47.6M at the last price.

Schedule 13D/13G filings on SEC.gov

All filings on SEC EDGAR

Questions about VEL

What does Velocity Financial, Inc. do?

Velocity Financial, Inc. is a company in the Finance sector, listed on NYSE as VEL. Its shares trade on NYSE under the ticker VEL.

What is Velocity Financial, Inc.'s net worth?

Velocity Financial, Inc. has a market value (market cap) of $696.8M at the latest share price, and shareholders' equity of $753.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.

Is Velocity Financial, Inc. profitable?

Yes. Over the twelve months to September 30, 2026 it reported net income of $108.7M.

When did Velocity Financial, Inc. last report?

Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.

When is Velocity Financial, Inc.'s next earnings report?

Velocity Financial, Inc.'s next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.

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Get an email when Velocity Financial, Inc. files with the SEC: results, executive changes, material agreements and annual reports.

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Free, no password. An email when VEL files with the SEC.

Where the numbers come from

Financial figures are the values Velocity Financial, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.