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Velocity Financial, Inc.

VEL Finance Finance: Consumer Services
$15.17
▲ +2.1% Today
as of Oct 23, 14:22 ET
Last 30 days -12.64% Sep 14 → Oct 23
$14.28 $15.11 $15.94 $16.76 $17.59 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$14.89
High
$15.43
Low
$14.89
Volume
$176,833
Avg Vol
$111,677
Mkt Cap
$582M
P/E (TTM)
7.91
Beta
—
52w High
$21.39
52w Low
$14.18
Div Yield
—
Shares Out
$39M

Recent Press Releases & News last 60 days · 4 items

▸ Show all 4 press releases & news Free account →

VEL earnings at a glance

Velocity Financial, Inc. (VEL) is scheduled to report earnings on Thursday, November 5, 2026 — in 13 days. The options market is pricing a move of about ±20.8% after the report, a range of roughly $12.02 to $18.32 from today's $15.17. Over its last 4 reports the stock rose the next day 2 times and fell 2, moving ±3.8% on average; after the most recent report on May 6, 2026 it moved -6.5%. That means options currently expect more movement than VEL has typically delivered. Implied volatility is currently 106%. The share price of $15.17 sits near its 52-week low.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$14
$21
14% of range
Avg surprise (last 0)
—
Avg reaction (last 4)
+0.5%
50% positive
Latest IV / EM
106%
EM ±20.8% · $15 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.31$0.41$0.52$0.62$0.73 Actual $0.31Actual $0.36Actual $0.35Actual $0.49Actual $0.42Actual $0.44Actual $0.55Actual $0.73Actual $0.69Actual $0.68Actual $0.64 MarJunSepMarJunSepMar/2025Jun/2025Sep/2025Mar/2026Jun
Revenue vs Net Income Revenue Net income
$0$7M$14M$20M$27M Mar 25Jun 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.64 — — — — financials
Wed May 6, 2026Mar/2026 $0.68 — — +23.6% -6.5% earnings
Thu Nov 6, 2025Sep/2025 $0.69 — — — +0.9% earnings
Thu Aug 7, 2025Jun/2025 $0.73 — — — +7.7% earnings
Thu May 1, 2025Mar/2025 $0.55 — — — -0.1% earnings
Mon Sep 30, 2024Sep 2024 $0.44 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.42 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.49 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.35 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.36 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.31 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Thu Nov 5, 2026Sep/2026OTHER —$0.69

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$25M$22M——$26M$19M——
EPS (diluted)$0.64$0.57—$0.65$0.69$0.51—$0.44

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$76M$87M$92M$99M$80M$52M$50M$44M
Inventory————————
Total current assets————————
Total assets$7.96B$7.59B$7.38B$6.96B$6.48B$5.97B$5.53B$5.20B
Long-term debt————————
Total liabilities$7.24B$6.90B$6.71B$6.32B$5.87B$5.41B$5.01B$4.71B
Total equity$722M$696M$673M$634M$601M$566M$517M$488M

Implied volatility — last 90 days

39%169%299%429%559% Jun 08 — IV 43% · EM ±5.7%Jun 19 — IV 40% · EM ±8.8%Jun 22 — IV 42% · EM ±8.8%Jul 01 — IV 114% · EM ±19.0%Jul 02 — IV 110% · EM ±17.8%Jul 03 — IV 114% · EM ±17.8%Jul 06 — IV 127% · EM ±17.5%Jul 07 — IV 132% · EM ±17.4%Jul 30 — IV 65% · EM ±12.7%Jul 31 — IV 66% · EM ±12.5%Aug 03 — IV 70% · EM ±12.3%Aug 04 — IV 70% · EM ±12.1%Aug 05 — IV 75% · EM ±12.4%Aug 06 — IV 52% · EM ±8.4%Aug 07 — IV 54% · EM ±8.4%Aug 10 — IV 57% · EM ±7.9%Aug 11 — IV 53% · EM ±7.0%Aug 12 — IV 51% · EM ±6.4%Aug 13 — IV 51% · EM ±6.1%Aug 14 — IV 52% · EM ±5.8%Aug 17 — IV 90% · EM ±7.5%Aug 24 — IV 51% · EM ±10.6%Aug 25 — IV 48% · EM ±9.8%Aug 26 — IV 44% · EM ±8.9%Aug 27 — IV 47% · EM ±9.3%Aug 28 — IV 60% · EM ±11.5%Aug 31 — IV 48% · EM ±8.5%Sep 01 — IV 49% · EM ±8.5%Sep 02 — IV 50% · EM ±8.3%Sep 03 — IV 52% · EM ±8.4%Sep 04 — IV 51% · EM ±8.0%Sep 07 — IV 58% · EM ±8.0%Sep 08 — IV 85% · EM ±11.2%Sep 09 — IV 97% · EM ±12.1%Sep 10 — IV 102% · EM ±12.0%Sep 11 — IV 98% · EM ±10.9%Sep 14 — IV 93% · EM ±7.8%Sep 15 — IV 144% · EM ±10.4%Sep 16 — IV 281% · EM ±16.6%Sep 17 — IV 559% · EM ±23.4%Sep 21 — IV 119% · EM ±24.8%Sep 22 — IV 104% · EM ±21.2%Sep 23 — IV 114% · EM ±22.8%Sep 24 — IV 106% · EM ±20.8%

Sector peers

VEL earnings FAQ

When is VEL's next earnings date?

Velocity Financial, Inc. is expected to report on November 5, 2026.

What is VEL's expected move for earnings?

Options currently price a move of about ±20.8%, or $3.15 per share either way from $15.17.

How does VEL stock usually react to earnings?

Across the last 4 reports the average next-day move was ±3.8%, up 2 times and down 2 times.

What is VEL's implied volatility?

VEL's at-the-money implied volatility is about 106% based on the latest options snapshot.

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