OakChart

Velocity Financial Inc

VELFinancial·Mortgage Finance·USA·Small·NYSE·Nov 10 • 3:59 PM ET

16.710.00 (0.00%)
2026-11-11 14:49 CET
Market cap
657.61 USD m
Revenue, TTM
722.33 USD m
Net income, TTM
107.61 USD m
Free cash flow, TTM
20.99 USD m
EPS diluted, TTM
2.74
P/E
6.10
Compare

Price

VEL against its 20, 50 and 200-day averages
2050200missearnings
14.0016.0018.0020.00216K431KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26VELclose 16.7120-day 15.7550-day 16.00200-day 17.7116.71

21.9% under 21.40 on 2 Jan 2026. Last 15 sessions, 24.5% high to low

Profile

VEL
52-week range, 35% of the way up
14.1821.40

Velocity Financial, Inc. operates a real estate finance company, which originates and manages investor loans secured by residential rental and small commercial properties. The company was founded by Christopher D. Farrar and Jeffrey T. Taylor in 2004 and is headquartered in Westlake Village, CA.

IndexRUT
Employees371
IPOJan 17, 2020
Beta0.76
ATR, 14d0.74
Rel volume0.00
Short float6.41%
Insider own38.03%
Inst own66.32%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap657.61M
Enterprise Value7.86B
Income107.61M
Sales722.33M
Book/sh19.14
Cash/sh2.78
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees371
IPOJan 17, 2020

Ratios

P/E6.10
Forward P/E5.42
PEG1.02
P/S0.91
P/B0.87
P/C6.02
P/FCF31.33
EV/EBITDA12.43
EV/Sales10.88
Quick Ratio0.42
Current Ratio0.63
Debt/Eq9.70
LT Debt/Eq8.97
Option/ShortYes / Yes

Earnings

EPS (ttm)2.74
EPS next Y3.08
EPS next Q0.75
EPS this Y-0.57%
EPS next Y6.57%
EPS next 5Y5.32%
EPS past 3/5Y42.98% -
Sales past 3/5Y35.19% 29.35%
EPS Y/Y TTM10.47%
Sales Y/Y TTM27.36%
EPS Q/Q3.81%
Sales Q/Q21.29%
EarningsNov 04 AMC
EPS/Sales Surpr.6.55% 9.66%

Ownership

Insider Own38.03%
Insider Trans-0.16%
Inst Own66.32%
Inst Trans1.08%
ROA1.42%
ROE15.51%
ROIC1.43%
Gross Margin90.80%
Oper. Margin86.56%
Profit Margin14.90%
SMA206.12%
SMA504.46%
SMA200-5.63%
Trades-

Technical

Shs Outstand39.35M
Shs Float24.39M
Short Float6.41%
Short Ratio9.60
Short Interest1.56M
52W High21.40 -21.90%
52W Low14.18 17.84%
Volatility6.99% 4.15%
ATR (14)0.74
RSI (14)58.09
Beta0.76
Rel Volume0.00
Avg Volume162.86K
Volume0

Performance

Perf Week6.03%
Perf Month14.77%
Perf Quarter-7.22%
Perf Half Y-3.97%
Perf YTD-19.51%
Perf Year-9.38%
Perf 3Y15.80%
Perf 5Y27.85%
Perf 10Y-
Recom2.33
Target Price20.83
Prev Close16.71
Price16.71
Change %0.00%

Analyst ratings

latest 3 of 3
DateActionAnalystRating changeTargetImplied
Sep 20, 2024DowngradeWWells FargoOverweight → Underweight$20+19.7%
Oct 23, 2023InitiatedBBTIG ResearchBuy$14-16.2%
Oct 13, 2022DowngradeCCitigroupBuy → Neutral$14 → $11-34.2%

Peers

Mkt cap
TickerCompanyMkt cap
MFAMFA Financial Inc609.33M
RWTRedwood Trust Inc344.06M
PFSIPennyMac Financial Services Inc3.27B
RCReady Capital Corp165.03M
AOMRAngel Oak Mortgage REIT Inc146.22M
EFCEllington Financial Inc1.48B
ABRArbor Realty Trust Inc274.42M
SACHSachem Capital Corp39.08M
RITMRithm Capital Corp5.20B
LOANManhattan Bridge Capital Inc38.24M

Insider trading

latest 14 of 46
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Kelly Roland ThomasChief Legal Officer and GCNov 05 '26Sale18.003,20057,60094,939Nov 06 11:36 AM
Szczepaniak Mark RChief Financial OfficerNov 05 '26Sale18.002,00036,00062,400Nov 06 11:34 AM
SZCZEPANIAK FAMILY TRUST U/A/DOfficerNov 05 '26Proposed Sale16.758,000134,000Nov 05 04:30 PM
ROLAND KELLYOfficerNov 05 '26Proposed Sale16.758,400140,700Nov 05 04:29 PM
Szczepaniak Mark RChief Financial OfficerSep 10 '26Sale18.032,00036,06064,400Sep 10 06:34 PM
SZCZEPANIAK FAMILY TRUST U/A/DOfficerSep 10 '26Proposed Sale18.112,00036,220Sep 10 04:44 PM
Kelly Roland ThomasChief Legal Officer and GCSep 01 '26Sale18.001,60028,80098,139Sep 01 07:19 PM
Taylor Jeffrey T.Executive VP, Capital MarketsAug 11 '26Sale19.064,33082,530172,490Aug 11 07:56 PM
Tam FionaChief Accounting OfficerAug 11 '26Sale19.001,23223,40847,129Aug 11 07:56 PM
FIONA TAMOfficerAug 11 '26Proposed Sale18.311,23222,558Aug 11 04:28 PM
TAYLOR FAMILY TRUSTOfficerAug 11 '26Proposed Sale18.314,33079,282Aug 11 04:27 PM
SZCZEPANIAK FAMILY TRUST U/A/DOfficerAug 10 '26Proposed Sale18.462,00036,920Aug 10 04:37 PM
Szczepaniak Mark RChief Financial OfficerAug 10 '26Sale18.162,00036,32064,400Aug 10 04:25 PM
Kelly Roland ThomasChief Legal Officer and GCAug 06 '26Sale18.001,60028,80095,794Aug 06 04:41 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.40B
IWMiShares Russell 2000 Index FundAUM: 78.30B
VTIVanguard Morningstar Total Stock Market ETFAUM: 689.41B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.54B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.57B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.50B
VXFVanguard Extended Market Index ETFAUM: 30.61B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
SCHASchwab U.S. Small-Cap ETFAUM: 22.32B
VTWOVanguard Russell 2000 Index ETFAUM: 16.97B

News

latest 14 of 206
  • Velocity Financial Posts Record Production And Wider Portfolio Margins, But Leverage, REO Losses And The TORAC Bet Raise The Stakes (Earnings Whispers) +6.28%
  • Velocity Financial: Q3 Earnings Snapshot (Associated Press)
  • Velocity Financial, Inc. Reports Third Quarter 2026 Results (Business Wire)
  • Velocity Financial, Inc. Announces Date of Third Quarter 2026 Financial Results Webcast and Conference Call (Business Wire)
  • Velocity Financial Expands Lending With $3.2B Toorak Deal (CRE Daily)
  • Loading…
  • Velocity Enters into Agreements to Acquire Tooraks Operating Platform and Manage Tooraks $3 Billion Business-Purpose Loan Portfolio (Business Wire)
  • Velocity Financial Inc (VEL) (Q2 2026) Earnings Call Highlights: Strong Core Earnings and ... (GuruFocus.com)
  • Velocity Financial: Q2 Earnings Snapshot (Associated Press)
  • Velocity Financial, Inc. Reports Second Quarter 2026 Results (Business Wire)
  • Earnings To Watch: Velocity Financial Inc (VEL) Q2 2026 -- GF Value Sees 30% Upside (GuruFocus.com)
  • Velocity Financial, Inc. Announces Date of Second Quarter 2026 Financial Results Webcast and Conference Call (Business Wire)
  • Velocity Commercial Capital Securitization Ratings Affirmed and Upgraded by Kroll Bond Rating Agency (Business Wire)
  • Velocity Appoints Dean Thevaos as Chief Technology Officer (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-040.7600.7130.670102.1593.153
2026Q22026-08-050.7100.6510.63294.9985.573
2026Q12026-05-060.6800.6400.56385.22-3
2025Q42026-03-110.9300.6700.875102.9-3
2025Q32025-11-060.6900.6000.64585.77-3
2025Q22025-08-070.7300.5330.68085.84-3
2025Q12025-05-010.5500.5230.50769.0862.303
2024Q42025-03-060.6000.4830.56371.1755.104
2024Q32024-11-070.4700.4800.43555.8643.784
2024Q22024-08-010.4500.4070.41054.7650.204
2024Q12024-05-020.5100.3900.48154.2546.204
2023Q42024-03-070.4600.3760.49051.5747.505
2023Q32023-11-020.3700.3540.34344.5737.305
2023Q22023-08-030.3800.3260.35139.0535.704
2023Q12023-05-040.3300.2910.30836.2830.204
2022Q42023-03-090.2700.2860.24532.1127.704

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2019FY1.4711.5170.86160.52126.95
2020FY0.8750.613-1.55268.7067.00
2021FY0.9800.8980.86084.45115.37
2022FY1.2401.2580.929104.2297.25
2023FY1.5401.4511.494171.75147.12
2024FY2.0301.9151.890236.03176.65
2025FY2.9102.7032.750343.6186
2026FY-2.893--315.84
2027FY-3.083--339.3
2028FY-3.400--288.7

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0520095.7493.1998.30
2026Q4S2026-11-0410093.1993.1993.19
2026Q4S2026-10-3110093.1993.1993.19
2026Q4S2026-08-1711093.1993.1993.19
2026Q4S2026-08-0610087.2387.2387.23
2026Q4S2026-06-1610087.2387.2387.23
2026Q4R2026-11-052100.710.690.73
2026Q4R2026-11-041000.690.690.69
2026Q4R2026-10-311000.690.690.69
2026Q4R2026-09-201100.690.690.69
2026Q4R2026-08-172100.680.670.69
2026Q4R2026-08-062010.660.640.67
2026Q4R2026-06-162010.660.640.67
2026Q4R2026-06-122000.750.670.82

Estimate history

EPS, annual0.6960.380.861-1.5520.860.9291.4941.892.7162.7385
Period201720182019202020212022202320242025TTM
EPS, quarterly0.4350.5630.5070.680.6450.8750.5630.6320.67
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual99.799126.803157.542172.988190.987253.541338.547451.013626.494722.33
Period201720182019202020212022202320242025TTM
Sales, quarterly115.393124.886131.275151.59159.391182.325167.918178.753193.329
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual20.08720.08720.08720.08732.29332.4932.86633.54639.57439.354
Period201720182019202020212022202320242025MRQ
Shares, quarterly33.11533.54635.38538.28938.939.57439.23539.29439.354
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue722.33626.49451.01338.55253.54190.99172.99157.54126.80
Total Expenses97.06115.2183.5863.7453.8845.2049.38132.14107.55
Operating Income625.27511.29367.43274.81199.66145.79123.6025.4019.25
Unusual Expense0.000.000.000.66-2.090.000.60--
Net Income Before Taxes154.44146.2496.3971.1344.5539.7923.1325.4019.25
Income Taxes44.4441.2627.9318.8312.0310.575.358.1111.62
Consolidated Net Income108.88103.6467.6351.5432.0320.6417.7817.297.63
Net Income From Continuing Operations107.61103.7167.5851.5231.7220.6417.7817.297.63
Net Income107.61103.7167.5851.5231.7220.64-31.1817.297.63
EPS (Recurring)2.732.721.891.510.890.86-1.530.860.38
EPS (Basic, Before Extraordinaries)2.792.812.071.600.990.90-1.550.860.38
EPS (Diluted)2.742.721.891.490.930.86-1.550.860.38
Non-Operating Income (Expense)-32.830.000.000.000.000.000.000.000.00
Other After Tax Adjustments-1.13-1.35-0.83-0.75-0.49-8.590.000.000.00
Stock Option Compensation Expense8.376.544.863.152.641.570.70--
Price To Earnings Ratio6.106.1010.7813.8110.3919.17---
Price To Sales Ratio0.821.271.551.751.302.440.72--
Gross Margin90.8089.8390.2990.3094.3194.4094.0893.7494.13
Operating Margin86.5681.6181.4781.1778.7576.3371.4516.1215.18
Net Margin14.9016.5514.9915.2212.5110.80-18.0210.986.02
Shares Outstanding39.3539.5733.5532.8732.4932.2920.0920.0920.09
Market Capitalization657.61657.61647.73564.51312.81442.41125.15124.94-

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue193.33178.75167.92182.32159.39151.59131.28124.89
Total Expenses28.5124.7021.0222.8321.0426.3920.1217.95
Operating Income164.82154.05146.90159.49138.35125.20111.15106.93
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes38.2835.2330.8850.0535.3833.9226.8932.04
Income Taxes11.069.508.5815.309.967.758.2511.23
Consolidated Net Income27.2225.3921.9934.2825.0625.8818.4120.55
Net Income From Continuing Operations26.4224.8222.0534.3225.0225.7118.6520.33
Net Income26.4224.8222.0534.3225.0225.7118.6520.33
EPS (Recurring)0.670.630.560.870.640.680.510.56
EPS (Basic, Before Extraordinaries)0.680.640.570.890.660.690.550.62
EPS (Diluted)0.670.630.560.870.640.680.510.56
Non-Operating Income (Expense)-10.59-6.72-6.86-8.65-7.93-3.30-3.03-0.27
Other After Tax Adjustments0.00-0.34-0.31-0.48-0.35-0.29-0.23-0.25
Stock Option Compensation Expense2.122.432.131.681.701.601.561.46
Price To Earnings Ratio6.106.686.688.678.309.689.9110.78
Price To Sales Ratio0.821.051.071.301.241.341.441.58
Gross Margin92.2088.4291.5690.9690.9086.7690.3688.67
Operating Margin85.2586.1887.4887.4886.8082.5984.6785.62
Net Margin13.6613.8913.1318.8215.7016.9614.2116.28
Shares Outstanding39.3539.2939.2439.5738.9038.2935.3833.55
Market Capitalization657.61724.65709.77807.56697.28676.55636.43647.73

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments249.2470.8361.9362.0647.6020.2927.5516.6815.73
Short Term Receivables204.04159.89120.7095.4289.7886.6067.7352.7034.27
Investment Securities0.000.000.000.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.000.000.000.00
Investments0.070.000.000.000.000.240.000.005.32
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment4.244.155.335.787.578.9310.695.545.77
Deferred Tax Assets24.8915.806.7212.2120.0810.4320.509.10-
Other Intangible Assets6,901.225,278.934,214.283,580.682,650.921,980.172,100.511,659.801,310.76
Total Assets7,383.695,529.604,408.953,756.152,815.952,106.652,226.981,743.821,371.85
Total Debt6,540.614,862.083,844.773,279.652,379.841,825.052,005.781,545.171,194.18
Long Term Debt6,231.114,513.273,508.722,948.842,077.161,747.531,588.211,545.171,194.18
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities2.182.194.387.183.473.7712.228.59-
Other Liabilities165.21145.11122.9388.8388.1558.2356.1526.8022.03
Total Liabilities6,708.005,009.393,972.083,375.652,471.461,887.062,074.141,580.561,216.21
Preferred Stock - Carrying Value0.000.000.000.000.000.000.0026.4624.69
Common Equity672.53516.94433.44376.81341.11219.59152.84136.80130.94
Total Shareholders Equity672.53516.94433.44376.81341.11219.59152.84163.26155.63
Accumulated Minority Interest3.153.273.433.693.380.000.000.000.00
Total Equity675.69520.22436.87380.50344.49219.59152.84163.26155.63
Total Liabilities & Stockholders Equity7,383.695,529.604,408.953,756.152,815.952,106.652,226.981,743.821,371.85
Book Value Per Share16.9915.4113.1911.6010.5610.937.616.816.52
Tangible Book Value Per Share16.8215.2112.9811.3910.3510.937.616.816.52
Full-Time Employees371309253194215175262232-
Price to Book Ratio0.871.341.360.851.300.570.60--
Return on Assets1.611.361.260.970.840.820.870.491.12
Return on Equity17.4414.2212.728.847.369.5510.844.799.20
Return on Invested Capital1.501.341.310.950.850.900.990.451.04
Quick Ratio0.960.470.410.380.350.800.202.632.27
Current Ratio1.210.610.500.410.400.910.232.902.27

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations26.7118.2517.7344.3965.8043.6542.3926.1618.77
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-5.47-1.3119.6216.66-18.0312.809.530.63-18.86
Cash from Operating Activities21.2416.9437.3561.0547.7756.4551.9126.79-0.09
Capital Expenditures-0.26-0.28-0.29-0.18-0.33-0.14-0.73-0.88-1.30
Net Assets From Acquisitions0.000.000.000.000.00-10.760.000.000.00
Sale of Fixed Assets and Businesses0.000.000.640.000.000.000.000.000.00
Purchase or Sale of Investments45.1354.3631.3218.7424.3121.009.60-123.72-62.27
Purchase of Investments-248.82-52.15-25.61-38.04-31.25-1.69-98.14-350.92-153.15
Sale Or Maturity of Investments293.95106.5056.9456.7755.5622.69107.74227.1990.88
Other Uses-16.68-1.56-15.27-3.04-7.66-5.43-12.55-1.55-1.08
Other Sources0.000.000.000.000.000.000.000.960.00
Cash from Investing Activities-1,286.38-1,520.56-1,044.68-596.95-907.34-655.3190.72-438.06-342.59
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-3.9744.158.411.440.15-0.42142.10-27.710.00
Repurchase of Common Pref Stock-7.64-7.33-1.55-0.86-0.460.000.00-27.710.00
Sale of Common Pref Stock3.6751.489.962.310.61-0.42142.100.000.00
Proceedsfrom Stock Options3.6740.589.962.310.61-0.42139.940.000.00
Issuance or Reduction of Debt, Net1,260.611,637.931,008.03534.60873.87626.60-291.99449.86343.63
Change in Long Term Debt1,300.221,677.53994.33533.25844.93400.0054.49449.86343.63
Issuance of Long Term Debt2,306.112,649.281,660.61972.011,559.391,125.65527.821,704.901,186.20
Reduction of Long Term Debt-1,005.89-971.75-666.27-438.76-714.46-725.66-473.32-1,255.04-842.57
Net Financing Active Other Cash Flow-0.03-0.05-0.20-0.280.000.000.000.000.00
Other Financing Activities Uses-0.03-0.05-0.20-0.280.000.000.000.000.00
Cash from Financing Activities1,256.611,682.031,016.23535.77874.02626.17-149.89422.14343.63
Net Change in Cash-8.53178.418.90-0.1314.4527.31-7.2610.880.95
Free Cash Flow20.9916.6637.0660.8747.4556.3151.1925.91-1.40
Preferred Dividends (Cash Flow)-0.000.000.000.000.00-0.00-
Price to Free Cash Flow28.2447.5818.879.756.948.272.44--

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments109.28245.20112.05249.24117.8197.19
Short Term Receivables211.92211.29196.30204.04181.07186.34
Investments3.780.120.460.070.020.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment1.211.291.324.241.481.54
Deferred Tax Assets14.1319.8518.4624.8916.6212.49
Other Intangible Assets7,909.247,485.377,262.846,901.226,641.686,178.32
Total Assets8,249.577,963.137,591.447,383.696,958.686,475.88
Total Debt7,306.297,051.956,721.966,540.616,150.645,709.33
Long Term Debt6,758.136,740.276,623.956,231.115,818.265,378.27
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---2.18--
Other Liabilities185.56186.02173.08165.21170.58165.50
Total Liabilities7,491.857,237.976,895.046,708.006,321.235,874.83
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity753.30721.54693.35672.53634.26597.89
Total Shareholders Equity753.30721.54693.35672.53634.26597.89
Accumulated Minority Interest4.433.633.063.153.203.16
Total Equity757.73725.16696.40675.69637.46601.05
Total Liabilities & Stockholders Equity8,249.577,963.137,591.447,383.696,958.686,475.88
Book Value Per Share19.1418.3617.6716.9916.3015.62
Tangible Book Value Per Share18.9718.1917.5016.8216.1315.44
Full-Time Employees---371--
Price to Book Ratio0.871.041.061.271.161.16
Return on Assets1.421.471.581.611.481.42
Return on Equity15.5116.1017.0517.4416.0415.02
Return on Invested Capital0.350.330.300.500.390.43
Quick Ratio0.420.921.140.960.590.57
Current Ratio0.631.201.621.210.820.76

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations15.113.769.44-1.608.243.76
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-4.641.612.60-5.045.28-2.12
Cash from Operating Activities10.475.3712.04-6.6413.521.63
Capital Expenditures-0.06-0.10-0.04-0.06-0.07-0.08
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-10.1716.1018.2220.989.7115.92
Purchase of Investments-151.44-89.50-4.83-3.05-0.19-43.74
Sale Or Maturity of Investments141.27105.6023.0524.039.9059.66
Other Uses-17.941.47-1.471.26-0.54-0.42
Other Sources-105.02105.020.000.000.000.00
Cash from Investing Activities-485.54-201.56-351.33-247.95-431.14-435.17
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock2.29-2.74-4.541.028.667.86
Repurchase of Common Pref Stock-0.36-2.74-4.54-0.00-0.18-4.99
Sale of Common Pref Stock2.650.000.001.028.8412.85
Proceedsfrom Stock Options2.650.000.001.028.841.94
Issuance or Reduction of Debt, Net336.78543.26-4.42384.99429.59448.45
Change in Long Term Debt339.52329.44206.67424.60429.59448.45
Issuance of Long Term Debt1,279.171,081.631,373.07-1,427.751,261.491,580.58
Reduction of Long Term Debt-939.65-752.19-1,166.401,852.35-831.91-1,132.13
Net Financing Active Other Cash Flow0.000.00-0.030.000.00-0.05
Other Financing Activities Uses0.000.00-0.030.000.00-0.05
Cash from Financing Activities339.15329.34202.10386.01438.24456.26
Net Change in Cash-135.92133.15-137.19131.4320.6222.73
Free Cash Flow10.415.2812.00-6.7013.461.55
Price to Free Cash Flow28.2430.1834.8848.9118.9327.99

Revenue breakdown

Revenue split-

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-306.39%1.6M24.5M157.82K
2026-10-156.31%1.5M24.5M147.58K
2026-09-306.64%1.6M24.5M129.81K
2026-09-156.37%1.6M24.5M109.99K
2026-08-316.33%1.5M24.5M102.82K
2026-08-146.41%1.6M24.4M96.90K
2026-07-316.60%1.6M24.4M93.66K
2026-07-156.20%1.5M24.2M83.98K
2026-06-305.74%1.4M24.2M87.80K
2026-06-155.65%1.4M24.6M88.74K
2026-05-295.71%1.4M24.6M97.80K
2026-05-154.47%1.1M24.6M103.54K
2026-04-304.08%1.0M24.6M110.32K
2026-04-154.19%1.0M24.1M121.41K
2026-03-314.98%1.2M24.1M127.36K
2026-03-134.38%1.1M24.1M126.21K
2026-02-274.23%1.0M23.9M112.76K
2026-02-133.95%0.9M23.9M105.63K
2026-01-303.65%0.9M23.9M92.72K
2026-01-152.85%0.7M23.4M82.79K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.5013.0016.300.0022.2160.000.000.993-0.0160.001
call5.0011.3013.800.0011.3010.000.000.982-0.0270.001
call7.508.0011.300.007.8400.000.000.973-0.0260.002
call10.005.508.709.675.5471.000.000.960-0.0250.002
call12.503.006.400.004.2360.000.000.937-0.0230.003
call15.001.652.002.150.86111.006.000.810-0.0320.007
call17.500.200.350.700.5952,3213.000.342-0.0310.010
call20.000.000.100.100.8092,0330.000.100-0.0200.005
call22.500.000.050.551.02123.000.000.046-0.0140.003
call25.000.002.050.451.2995.000.000.038-0.0150.002
call30.000.002.050.151.7532010.000.030-0.0170.002
call35.000.002.050.002.1160.000.000.025-0.0180.002
put2.500.000.050.005.6810.000.00-0.006-0.0140.001
put5.000.002.050.004.2250.000.00-0.018-0.0270.001
put7.500.002.050.002.9050.000.00-0.027-0.0260.002
put10.000.002.050.001.9780.000.00-0.040-0.0240.002
put12.500.000.100.001.2400.000.00-0.063-0.0210.003
put15.000.150.250.750.8194,0740.00-0.190-0.0310.007
put17.500.951.150.600.6242410.00-0.658-0.0300.010
put20.001.253.505.261.0322,3810.00-0.900-0.0180.005
put22.503.707.003.672.6511.000.00-0.954-0.0110.003
put25.006.209.500.003.0800.000.00-0.962-0.0120.002
put30.0011.2014.500.003.7590.000.00-0.970-0.0130.002
put35.0016.2019.5015.994.2890.000.00-0.975-0.0140.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-10S-3Registration statement for specified transactions by certain issuers including face-amount certificate companiesSEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-05SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-05SEC
2026-11-068-KCurrent report2026-11-04SEC
2026-11-068-KCurrent report2026-11-04SEC
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-05144Filing for proposed sale of securities under Rule 144.SEC
2026-11-05144Filing for proposed sale of securities under Rule 144.SEC
2026-09-10144Filing for proposed sale of securities under Rule 144.SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-014Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-08-278-KCurrent report2026-08-26SEC
2026-08-11144Filing for proposed sale of securities under Rule 144.SEC
2026-08-11144Filing for proposed sale of securities under Rule 144.SEC
2026-08-114Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-10144Filing for proposed sale of securities under Rule 144.SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-064Statement of changes in beneficial ownership of securities2026-08-06SEC
2026-08-064Statement of changes in beneficial ownership of securities2026-08-06SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-058-KCurrent report2026-08-05SEC
2026-08-058-KCurrent report2026-08-05SEC
2026-07-28144Filing for proposed sale of securities under Rule 144.SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-28SEC
2026-07-094Statement of changes in beneficial ownership of securities2026-07-07SEC
2026-07-094Statement of changes in beneficial ownership of securities2026-07-07SEC
2026-07-07144Filing for proposed sale of securities under Rule 144.SEC
2026-07-07144Filing for proposed sale of securities under Rule 144.SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-01144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110093.60K2
2026-100000
2026-090064.86K2
2026-0800178.26K5
2026-070079.34K4
2026-060028.42K1
2026-050030.36K1
2026-040071.12K2
2026-0300389.80K4
2026-020068.32K2
2026-010066.09K2
2025-1200372.41K4
2025-110029.09K1

Institutional holders

Manager% owned
Snow Phipps Group, LLC33.82%
Allianz Asset Management GmbH32.19%
Beach Point Capital Management LP17.42%
BlackRock, Inc.3.80%
DIMENSIONAL FUND ADVISORS LP1.91%
ADAGE CAPITAL PARTNERS GP, L.L.C.1.29%
VANGUARD CAPITAL MANAGEMENT LLC1.24%
AMERICAN CENTURY COMPANIES INC0.91%
GEODE CAPITAL MANAGEMENT, LLC0.71%
STATE STREET CORP0.64%

Funds

Fund% owned
Barrow Hanley Credit Opportunities Fund2.62%
VANGUARD TOTAL STOCK MARKET INDEX FUND0.92%
Avantis U.S. Small Cap Value ETF0.90%
iShares Russell 2000 ETF0.82%
BlackRock Advantage Small Cap Core Fund0.59%
iShares Russell 2000 Value ETF0.33%
Fidelity Small Cap Index Fund0.32%
VANGUARD EXTENDED MARKET INDEX FUND0.28%
Dimensional U.S. Small Cap ETF0.20%
VANGUARD RUSSELL 2000 INDEX FUND0.18%

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