VEL

Velocity FinancialC

NYSE / Financial Services

At close

2026-07-21

Current thesis

The bull read is that Q1 confirmed Velocity can grow earnings with stable production, better NIM, improving NPL metrics, and ample funding capacity while the stock still trades near 6.5x earnings and below the packet median target of about $21.67.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.1.

What can break

Coverage is thin and direct peers are imperfect, which raises the risk that good quarterly execution does not translate into durable multiple expansion.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $21.00 · Bull $23.50 · Bear $15.50

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-08 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $21.83

Why

Momentum26 · Δ7d -6.7

Value62 · Δ7d -0.1

Sentiment64 · Δ7d -4.4

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-6.7

Δ21d

-6.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

+1.1

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-4.4

Δ21d

+0.6

Why this grade

Composite grade C. Momentum 26.4 / Value 62.5 / Sentiment 64.2

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$676.37M

Beta

0.81

Shares Out

39.26M

P/E (TTM)

7.8

P/S (TTM)

1.70

P/FCF (TTM)

13.25

Rev YoY

+27.9%

EPS YoY

+11.1%

Gross Margin

+90.1%

Op Margin

+89.2%

Net Debt

$6.29B

Current Ratio

1.62

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology