VEL - NYSE
Velocity Financial, Inc.
$17.13
-1.0%Velocity Financial, Inc. operates as a real estate finance company in the United States. It primarily originates and manages investor loans secured by 14 unit residential rental and small commercial properties. The company offers its products through a network of independent mortgage brokers. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California.
At a Glance
Live SnapshotVelocity Financial, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Velocity Financial, Inc. Income Statement
VEL • NYSE
| Velocity Financial, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||
714.4M | 482.8M | 131.7M | 248.4M | 181.3M | 165.8M | 152.8M | 49.8M | 99.8M | 79M | 56.5M | 26.5M | |
GROSS PROFIT | ||||||||||||
(33.4M) | (272.2M) | (0.0) | (158.3M) | (105.7M) | (104.9M) | (99.7M) | (7.4M) | (6.1M) | (58.5M) | (3.1M) | (1.8M) | |
681M | 210.6M | 131.7M | 90M | 75.6M | 60.9M | 53.1M | 42.4M | 93.7M | 20.5M | 53.4M | 24.7M | |
OPERATING INCOME | ||||||||||||
(169.8M) | (114.2M) | (54.9M) | (45.5M) | (35.8M) | (37.8M) | (27.7M) | (19.5M) | (14.7M) | (33M) | (10.2M) | (7.4M) | |
(6.1M) | (74.5M) | (53M) | (35.9M) | (24M) | (25.2M) | (22.8M) | (21.5M) | (16.7M) | (13M) | (10.2M) | (7.4M) | |
511.3M | 96.4M | 76.8M | 44.6M | 39.8M | 23.1M | 25.4M | 30.3M | 75.3M | 57.6M | 42.7M | 17.3M | |
PRE-TAX INCOME | ||||||||||||
(365M) | (247.2M) | (203M) | (157.2M) | (106M) | (99.9M) | (98.5M) | (75.9M) | (61.3M) | (50.8M) | (34.9M) | (0.0) | |
185.8M | 159.6M | 112.9M | 83.1M | 76M | 67.4M | 59M | 48.8M | 36.5M | 27.6M | 0.0 | 0.0 | |
(163.7M) | (39.6M) | (1.9M) | (9.6M) | (11.8M) | (12.5M) | (4.9M) | (0.0) | (0.0) | (20M) | (0.0) | (0.0) | |
-365M | 0.0 | -5.7M | 0.0 | 0.0 | 0.0 | 0.0 | -11.1M | -61.3M | -50.8M | -35.6M | -23.6M | |
146.2M | 96.4M | 71.1M | 44.6M | 39.8M | 23.1M | 25.4M | 19.2M | 14M | 6.8M | 7.2M | -6.3M | |
NET INCOME | ||||||||||||
(41.3M) | (27.9M) | (18.8M) | (12M) | (10.6M) | (5.4M) | (8.1M) | (11.6M) | (0.0) | (0.0) | (0.0) | (0.0) | |
105.1M | 68.4M | 52.3M | 32.2M | 29.2M | 17.8M | 17.3M | 7.6M | 14M | 6.8M | 7.2M | -6.3M |
SEC Filings
VEL - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 26, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 06, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 10, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 13, 2026 | March 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 12, 2026 | March 11, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 28, 2026 | 2026 |
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