VEL (Velocity Financial) Short-Term Debt: $98.0 Mil (As of Mar. 2026)


VEL Velocity Financial Inc VEL
68 GF Score
Price $18.46
GF Value $25.97
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Velocity Financial Short-Term Debt?

Velocity Financial VEL +2.50% 68 Short-Term Debt is $98.0 Mil as of Mar. 2026. GuruFocus rates VEL with a GF Score™ of 68/100 and a GF Value™ of $25.97 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Velocity Financial's Short-Term Debt for the quarter that ended in Mar. 2026 was $98.0 Mil.

Velocity Financial's quarterly Short-Term Debt declined from Sep. 2025 ($332.4 Mil) to Dec. 2025 ($308.5 Mil) and declined from Dec. 2025 ($308.5 Mil) to Mar. 2026 ($98.0 Mil).

Velocity Financial's annual Short-Term Debt increased from Dec. 2023 ($334.8 Mil) to Dec. 2024 ($348.1 Mil) but then declined from Dec. 2024 ($348.1 Mil) to Dec. 2025 ($308.5 Mil).

Velocity Financial Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Velocity Financial Short-Term Debt Related Terms

Velocity Financial Short-Term Debt Historical Data

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The historical data trend for Velocity Financial's Short-Term Debt 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 Short-Term Debt Chart

Velocity Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 301.07 330.81 334.76 348.08 308.51

Velocity Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 570.03 331.06 332.39 308.51 98.01
VEL
68GF Score
Velocity Financial Inc VEL
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $98.0 Mil mean?
Velocity Financial (VEL) has a Short-Term Debt of $98.0 Mil as of Mar. 2026.
Is Velocity Financial's Short-Term Debt too high?
Velocity Financial's current Short-Term Debt is $98.0 Mil. Overall, Velocity Financial has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Velocity Financial's Short-Term Debt compare to UWMC and LDI?
Velocity Financial's Short-Term Debt of $98.0 Mil 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 Short-Term Debt for a Banks company?
A good Short-Term Debt depends on the Banks industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Velocity Financial's current Short-Term Debt is $98.0 Mil. 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 Modestly Undervalued. The stock's GF Value™ is $25.97, compared to a current price of $18.46 — trading 28.9% below its estimated fair value. The current Short-Term Debt is $98.0 Mil. 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Velocity Financial (VEL), the current Short-Term Debt is $98.0 Mil 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 $18.46 is trading 28.9% below its estimated GF Value™ of $25.97. GuruFocus considers Velocity Financial to be Modestly Undervalued.

Key valuation signals for VEL:

  • Short-Term Debt: $98.0 Mil
  • GF Value™: $25.97 vs. price of $18.46 (28.9% 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

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

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Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.46
Price
$25.97
GF Value