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Velocity FinancialVEL -0.81%70 3-Year Book Growth Rate is 13.60% as of Jun. 2026, which is 1% above its 10-year median of 13.50. GuruFocus rates VEL with a GF Score™ of 70/100 and a GF Value™ of $27.17 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,497 Banks companies, Velocity Financial ranks better than 74.08% on this metric.
During the past 12 months, Velocity Financial's average Book Value per Share Growth Rate was 17.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 13.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 10.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 10 years, the highest 3-Year average Book Value per Share Growth Rate of Velocity Financial was 16.60% per year. The lowest was 6.50% per year. And the median was 13.50% per year.
Velocity Financial (NYSE:VEL) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Velocity Financial 3-Year Book Growth Rate Related Terms
VEL vs UWMC, LDI, BETR: 3-Year Book Growth Rate Comparison
For the Mortgage Finance subindustry, Velocity Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Velocity Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Velocity Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Velocity Financial's 3-Year Book Growth Rate falls into.
Velocity Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 13.60% mean?
Velocity Financial (VEL) has a 3-Year Book Growth Rate of 13.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Velocity Financial and its competitors. This is near median its historical median of 13.50. Over the past decade, Velocity Financial's 3-Year Book Growth Rate has ranged from 6.50 to 16.60. According to the industry distribution chart, Velocity Financial ranks #388 out of 1497 companies in the Banks industry, placing it in the top 25.9%.
Is Velocity Financial's 3-Year Book Growth Rate too high?
Velocity Financial's current 3-Year Book Growth Rate of 13.60% is near median its 10-year median of 13.50. Over the past 10 years, this metric has ranged from a low of 6.50 to a high of 16.60. The Banks industry median 3-Year Book Growth Rate is 8.70. Velocity Financial's value of 13.60% is 56.3% above this industry median. Based on the distribution chart, Velocity Financial ranks #388 out of 1497 companies in the Banks industry, which is above the industry midpoint. Overall, Velocity Financial has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Velocity Financial's 3-Year Book Growth Rate compare to UWMC and LDI?
According to the Banks industry distribution chart, Velocity Financial ranks #388 out of 1497 companies for 3-Year Book Growth Rate. This puts Velocity Financial in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Velocity Financial's value of 13.60% is 56.3% above this benchmark. Historically, Velocity Financial's own 3-Year Book Growth Rate has ranged from 6.50 to 16.60 over the past decade. While the company's 10-year median is 13.50 vs. the industry median of 8.70, Velocity Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Velocity Financial's current 3-Year Book Growth Rate of 13.60% is 56.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Velocity Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Velocity Financial's current 3-Year Book Growth Rate is 13.60%, which is near median its own 10-year median of 13.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Velocity Financial stock overvalued right now?
Based on GuruFocus' analysis, Velocity Financial (VEL) is currently considered Significantly Undervalued. The stock's GF Value™ is $27.17, compared to a current price of $18.31 — trading 32.6% below its estimated fair value. The current 3-Year Book Growth Rate is 13.60%, which is near median its 10-year median of 13.50 and 56.3% above the Banks industry median of 8.70. Velocity Financial's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Velocity Financial (VEL), the current 3-Year Book Growth Rate is 13.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Velocity Financial (VEL) Overvalued in 2026?
Based on GuruFocus' analysis, Velocity Financial stock appears to be undervalued.
The current stock price of $18.31 is trading 32.6% below its estimated GF Value™ of $27.17.
GuruFocus considers Velocity Financial to be Significantly Undervalued.
Key valuation signals for VEL:
3-Year Book Growth Rate: 13.60% (near median its 10-year median of 13.50)
GF Value™: $27.17 vs. price of $18.31 (32.6% below fair value)
Industry Position: 56.3% above the Banks median (#388 of 1497)
No single metric tells the full story. See the VEL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Velocity Financial Inc is a United States-based real estate finance company. Company operates in a large fragmented market with substantial demand for financing and limited supply of institutional financing alternative The company originates and manages investor loans secured by residential rental and small commercial properties. The company earns revenue in the form of interest income. It operates in New York, California, Florida, New Jersey, and other states.
70GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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