Velocity Financial, Inc.

Stage 4 · Declining · week 5

As of Oct 22, 2026, Velocity Financial is in Stage 4, the downtrend phase, now in week 5 (since Sep 22, 2026). It closed at $15.21, 26.7% below its 52-week high and below its 200-day average, which is falling.

Velocity Financial, Inc. operates as a real estate finance company in the United States. More about the company

$15.21

+2.42% today

$601M · Small cap

Market Neutral — Building

Pro read

Pro

Our read

Declining, below its long-term trend

Setup score

—

Momentum

Steady

Edge

—

Is VEL early, or has it already run? Pro answers that for every US stock we cover, after every close.

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S2 62w

S4 18w

S1 13w

S4 17w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S2 6w → S3 7w → S2 62w → S3 5w → S4 18w → S1 13w → S2 6w → S3 4w → S2 12w → S3 5w → S4 17w → S1 6w → S4 4w current

Total tracked: 166 weeks across 13 stage runs.

VEL among Mortgage Finance2nd of 12 by relative strength

All 12 →

Stocks in Mortgage Finance ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	IORIncome Opportunity Realty Investors, Inc.	Stage 3 · wk 4	55	−1.3%
2	VELVelocity Financial, Inc.	Stage 4 · wk 5	42	−3.9%
3	ONITOnity Group Inc.	Stage 4 · wk 7	33	−16.6%
4	RKTRocket Companies, Inc. Class A	Stage 4 · wk 6	33	−3.4%
5	PFSIPennyMac Financial Services, Inc.	Stage 4 · wk 31	25	−3.4%
6	WDWalker & Dunlop, Inc	Stage 4 · wk 13	21	−6.2%
7	CNFCNFinance Holdings Limited	Stage 4 · wk 31	18	+9.2%
8	BLNEBeeline Holdings, Inc.	Stage 4 · wk 25	12	−29.4%

vs 52W High

-26.7%

$14.51 lo$20.76 hi

26.7% below 52W high, ongoing decline

In Stage 4, distance from the 52-week high reflects an ongoing decline, not a discount.

Stage Maturity

Week 5

1w13w26w

Week 5, early Stage 4 decline

How long this stock has been in Stage 4 decline. The longer the downtrend, the more entrenched the selling pressure. No length of decline marks a bottom on its own.

vs 200 DMA

-15.0%

200 DMA: $17.89 · sloping down

In Stage 4, the stock is below its 200-day average, the hallmark of a downtrend. Stage analysis waits for that to reverse before buying.

Rel Volume

1.05x

vs 50-day avg

High volume on down days in Stage 4 confirms institutional selling. Low-volume bounces are typical. They lack real buyers and are easy to mistake for reversals.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

-3.9%

-12.6%

-21.6%

YTD

-22.2%

-15.7%

Scan Membership

Breakout Watch

Latest: 2023-11-17

5 appearances in last 60 days. First seen: 2020-12-03.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S4

Wk 5 · Vol 1.05x

2026-10-21S4

Wk 5 · Vol 2.99x

2026-10-20S4

Wk 5 · Vol 0.86x

2026-10-19S4

Wk 4 · Vol 1.13x

2026-10-16S4

Wk 4 · Vol 1.15x

2026-10-15S4

Wk 4 · Vol 1.25x

2026-10-14S4

Wk 4 · Vol 1.05x

2026-10-13S4

Wk 4 · Vol 1.10x

2026-10-12S4

Wk 3 · Vol 1.08x

2026-10-09S4

Wk 3 · Vol 1.13x

2026-10-08S4

Wk 3 · Vol 1.36x

2026-10-07S4

Wk 3 · Vol 1.02x

Moving averages & range

50 DMA

$16.47

200 DMA

$17.89

52W High

$20.76

52W Low

$14.51

5D Low

$14.51

Resistance levels (recent highs)

20d High

$15.35

60d High

$18.46

120d High

$19.57

250d High

$20.76

Next resistance

+0.9%

to 20d High

P/E (TTM)

5.5

Forward 5.0

Earnings Growth (YoY)

-6.9%

Revenue +22.7%

ROE

+16.3%

Profit margin +37.9%

Dividend Yield

0.00%

P/B 0.8

Velocity Financial: quick answers

What stage is Velocity Financial in?

As of Oct 22, 2026, Velocity Financial (VEL) is in Stage 4, the downtrend phase. It entered Stage 4 on Sep 22, 2026 and is in week 5. What the four stages mean

Is Velocity Financial in an uptrend?

No. Velocity Financial is in a Stage 4 downtrend. It trades 15.0% below its 200-day average, which is falling.

How far is Velocity Financial from its 52-week high?

Velocity Financial closed at $15.21 on Oct 22, 2026, 26.7% below its 52-week high of $20.76. Its 52-week low is $14.51.

How has Velocity Financial performed over the past year?

As of Oct 22, 2026, Velocity Financial is down 15.7% over the past year and down 22.2% so far in 2026.

Which sector and industry is Velocity Financial in?

Velocity Financial is in the Mortgage Finance industry, part of the Financials sector.

About this companyFinancials· Mortgage Finance

Velocity Financial, Inc. operates as a real estate finance company in the United States. The company originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor loans unit residential rental properties; residential rental properties office; 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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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.