VEL (Velocity Financial) EPS (Basic): $2.81 (TTM As of Mar. 2026)

What is Velocity Financial EPS (Basic)?

Velocity Financial VEL +0.93% 68 EPS (Basic) is $2.81 as of Mar. 2026. GuruFocus rates VEL with a GF Score™ of 68/100 and a GF Value™ of $25.93 (Significantly Undervalued). The stock has 3 warning signs investors should review.

Velocity Financial's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.57. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.81.

Velocity Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $0.57. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.80.

Velocity Financial's EPS without NRI for the three months ended in Mar. 2026 was $0.68. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 2.95.

During the past 12 months, Velocity Financial's average EPS without NRIGrowth Rate was 44.20% per year. During the past 3 years, the average EPS without NRI Growth Rate was 32.90% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 10 years, Velocity Financial's highest 3-Year average EPS without NRI Growth Rate was 32.90% per year. The lowest was 10.90% per year. And the median was 16.30% per year.

Velocity Financial (NYSE:VEL) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Velocity Financial EPS (Basic) Related Terms

Velocity Financial EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Velocity Financial's EPS (Basic) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Velocity Financial EPS (Basic) Chart

Velocity Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

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0.90

0.99

1.60

2.07

2.81

Velocity Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
EPS (Basic)	Get a 7-Day Free Trial															0.55	0.69	0.66	0.89	0.57

68GF Score

Velocity Financial Inc VEL

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

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Velocity Financial EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Velocity Financial's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(105.054	-	0)	/	36.850
	=	2.85

Velocity Financial's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(22.363	-	0)	/	38.626
	=	0.58

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.81

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of $2.81 mean?

Velocity Financial (VEL) has a EPS (Basic) of $2.81 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Velocity Financial and its competitors.

Is Velocity Financial's EPS (Basic) too high?

Velocity Financial's current EPS (Basic) is $2.81. Overall, Velocity Financial has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Velocity Financial's EPS (Basic) compare to LDI and BETR?

Velocity Financial's EPS (Basic) of $2.81 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EPS (Basic) for a Banks company?

A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high EPS (Basic) mean?

A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Velocity Financial and its competitors. Velocity Financial's current EPS (Basic) is $2.81. 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 $25.93, compared to a current price of $17.90 — trading 31% below its estimated fair value. The current EPS (Basic) is $2.81. Velocity Financial's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For Velocity Financial (VEL), the current EPS (Basic) is $2.81 as of Mar. 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 $17.90 is trading 31% below its estimated GF Value™ of $25.93. GuruFocus considers Velocity Financial to be Significantly Undervalued.

Key valuation signals for VEL:

EPS (Basic): $2.81
GF Value™: $25.93 vs. price of $17.90 (31% below fair value)
GF Score™: 68/100 with 3 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies LDI BETR UWMC ONIT GHI IOR CNF MMCP BLNE PAPL RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING LSE:OSB NSE:AADHARHFC BOM:535789

Address 2945 Townsgate Road, Suite 110, Westlake Village, CA, USA, 91361

Website https://www.velfinance.com

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.

68GF Score

Get the complete analysis for VEL

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.90

Price

$25.93

GF Value

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