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Upturn AI SWOT - About
Velocity Financial Llc (VEL)
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Upturn Advisory Summary
04/01/2025: VEL (2-star) is a SELL. SELL since 4 days. Profits (-6.21%). Updated daily EoD!
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 50.16% | Avg. Invested days 46 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 633.03M USD | Price to earnings Ratio 9.74 | 1Y Target Price 21.75 |
Price to earnings Ratio 9.74 | 1Y Target Price 21.75 | ||
Volume (30-day avg) 133733 | Beta 1.04 | 52 Weeks Range 15.69 - 20.98 | Updated Date 04/1/2025 |
52 Weeks Range 15.69 - 20.98 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.91 |
Earnings Date
Report Date 2025-03-05 | When After Market | Estimate 0.4825 | Actual 0.6 |
Profitability
Profit Margin 38.51% | Operating Margin (TTM) 60.57% |
Management Effectiveness
Return on Assets (TTM) 1.38% | Return on Equity (TTM) 14.31% |
Valuation
Trailing PE 9.74 | Forward PE - | Enterprise Value 5451878912 | Price to Sales(TTM) 3.56 |
Enterprise Value 5451878912 | Price to Sales(TTM) 3.56 | ||
Enterprise Value to Revenue 25.96 | Enterprise Value to EBITDA - | Shares Outstanding 34015500 | Shares Floating 4003964 |
Shares Outstanding 34015500 | Shares Floating 4003964 | ||
Percent Insiders 2.7 | Percent Institutions 96.16 |
Analyst Ratings
Rating 3.5 | Target Price 21.75 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Velocity Financial Llc
Company Overview
History and Background
Velocity Financial, LLC is a commercial real estate finance company that originates and manages small balance commercial (SBC) loans. Founded in 2004, it has evolved to focus on providing financing solutions to real estate investors.
Core Business Areas
- Small Balance Commercial (SBC) Loans: Velocity Financial specializes in originating and managing SBC loans, which are generally defined as commercial mortgages under $5 million. These loans are used for a variety of purposes, including acquisitions, refinancings, and renovations of commercial properties.
Leadership and Structure
Velocity Financial, LLC is led by a management team with experience in commercial real estate finance. The organizational structure typically involves departments for loan origination, underwriting, servicing, and asset management.
Top Products and Market Share
Key Offerings
- Commercial Mortgage Loans: Velocity Financial provides commercial mortgage loans for various property types including multifamily, mixed-use, and other commercial properties. Market share data is not easily accessible and is typically fragmented within the SBC lending market. Competitors include banks, credit unions, and other private lenders.
Market Dynamics
Industry Overview
The SBC lending market is characterized by a large number of small transactions and diverse borrower needs. It's driven by factors such as interest rates, economic growth, and real estate values.
Positioning
Velocity Financial positions itself as a specialized lender focused on the SBC market. Its competitive advantages lie in its expertise in this segment and its ability to provide financing solutions that traditional lenders may not offer.
Total Addressable Market (TAM)
The total addressable market for SBC loans is estimated to be in the tens of billions of dollars annually. Velocity Financial's position within this TAM depends on its loan origination volume and market share in specific geographic areas.
Upturn SWOT Analysis
Strengths
- Specialized expertise in SBC lending
- Established relationships with brokers and borrowers
- Strong underwriting capabilities
Weaknesses
- Reliance on wholesale funding sources
- Sensitivity to interest rate fluctuations
- Limited brand recognition compared to larger institutions
Opportunities
- Expansion into new geographic markets
- Development of new loan products
- Increased demand for SBC financing
Threats
- Increased competition from other lenders
- Economic downturn affecting real estate values
- Changes in regulations impacting lending practices
Competitors and Market Share
Key Competitors
Competitive Landscape
Without public financial data, a detailed comparison to competitors is unavailable. Velocity Financial's advantages and disadvantages compared to its competitors depend on factors such as pricing, loan terms, and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends depend on loan origination volume and market conditions.
Future Projections: Future growth projections are not available without access to analyst estimates.
Recent Initiatives: Recent strategic initiatives may include expanding loan offerings, entering new markets, and improving operational efficiency.
Summary
Velocity Financial is a specialized commercial real estate finance company focused on small balance commercial loans. Its strengths lie in its expertise in this niche market and its established relationships. Potential challenges include competition and economic fluctuations. Access to detailed financials is required for a more comprehensive assessment.
Similar Companies
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- News Articles
Disclaimers:
The information provided is based on publicly available information and general industry knowledge. Financial data and market share figures are estimates due to the lack of comprehensive public disclosures.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Velocity Financial Llc
Exchange NYSE | Headquaters Westlake Village, CA, United States | ||
IPO Launch date 2020-01-17 | Co-Founder, CEO, President & Director Mr. Christopher D. Farrar | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 309 | Website https://www.velfinance.com |
Full time employees 309 | Website https://www.velfinance.com | ||
Velocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor 1-4 unit residential rental properties; residential apartments combined with office or retail space; and loans for multi-family, mixed use, and commercial properties. The company also provides warehouse and other properties. It offers its products through a network of independent mortgage brokers and direct borrower relationships. The company was founded in 2004 and is headquartered in Westlake Village, California
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