VEL
Velocity Financial·NYSE
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VEL fundamentals
Velocity Financial (VEL) released its earnings on Mar 12, 2026: revenue was 102.90M (YoY +44.60%), beat estimates; EPS was 0.93 (YoY +55.00%), beat estimates.
Revenue / YoY
102.90M
+44.60%
EPS / YoY
0.93
+55.00%
Report date
Mar 12, 2026
VEL Earnings Call Summary for Q4,2025
- Revenue & Profit Growth: Core net income up 52% to $111M, with pretax ROE at 26%, driven by 49% originations growth to $2.7B.
- NPL Efficiency: Q4 NPL resolution generated $7.6M recovery, reducing NPL rate to 8.5%. Sale of $129M NPLs freed $50M capital and added $13.4M to net income.
- Liquidity Boost: $500M unsecured debt issuance strengthens balance sheet, reducing reliance on short-term funding.
- Market Resilience: Stable NIM at 3.59% despite rising rates; healthy securitization market supports growth.
- Strategic Focus: 2026 priorities include maintaining NIM, expanding commercial lending (125bps wider margin), and leveraging enhanced liquidity for disciplined growth.
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Revenue & Expenses
Key Indicators
Velocity Financial (VEL) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
Velocity Financial (VEL)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Balance Sheet
Velocity Financial (VEL)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Cash Flow
Velocity Financial (VEL)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Revenue Breakdown
Where does Velocity Financial (VEL) generate its revenue? Explore its key revenue streams and top earning regions.
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Dividend
Track Velocity Financial (VEL) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
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