10/24KINDER MORGAN, INC.(KMI)10/24WESTERN DIGITAL CORP(WDC)10/24HALLIBURTON CO(HAL)10/24DOW INC.(DOW)10/24TEXAS INSTRUMENTS INC(TXN)10/24JABIL INC(JBL)10/24OMNICOM GROUP INC.(OMC)10/24Philip Morris International Inc.(PM)10/24AMERICAN EXPRESS CO(AXP)10/24HUNT J B TRANSPORT SERVICES INC(JBHT)10/24CME GROUP INC.(CME)10/24STEEL DYNAMICS INC(STLD)10/24LAS VEGAS SANDS CORP(LVS)10/24QUEST DIAGNOSTICS INC(DGX)10/24TELEDYNE TECHNOLOGIES INC(TDY)10/22SPACE EXPLORATION TECHNOLOGIES CORP(SPCX)10/22American Airlines Group Inc.(AAL)10/22PG&E Corp(PCG)10/22COMCAST CORP(CMCSA)10/22Tesla, Inc.(TSLA)10/22Meta Platforms, Inc.(META)10/22Bloom Energy Corp(BE)10/22LAM RESEARCH CORP(LRCX)10/22PROCTER & GAMBLE Co(PG)10/22ROLLINS INC(ROL)10/22SOUTHWEST AIRLINES CO(LUV)10/22Element Solutions Inc(ESI)10/22INTERNATIONAL BUSINESS MACHINES CORP(IBM)10/22Liberty Energy Inc.(LBRT)10/22Allegion plc(ALLE)10/22DOVER Corp(DOV)10/22HONEYWELL INTERNATIONAL INC(HON)10/22Snap-on Inc(SNA)10/22NORFOLK SOUTHERN CORP(NSC)10/22NASDAQ, INC.(NDAQ)10/22UNION PACIFIC CORP(UNP)10/22PULTEGROUP INC MI(PHM)10/22COMFORT SYSTEMS USA INC(FIX)10/22VERISIGN INC CA(VRSN)10/22CBRE GROUP, INC.(CBRE)10/22LOCKHEED MARTIN CORP(LMT)10/21NETFLIX INC(NFLX)10/21AT&T INC.(T)10/21CSX CORP(CSX)10/21United Airlines Holdings, Inc.(UAL)10/21WESTINGHOUSE AIR BRAKE TECHNOLOGIES CORP(WAB)10/21Elevance Health, Inc.(ELV)10/21JOHNSON & JOHNSON(JNJ)10/21UNITED RENTALS, INC.(URI)10/21INTUITIVE SURGICAL INC(ISRG)10/20CLEVELAND-CLIFFS INC.(CLF)10/20General Motors Co(GM)10/20RTX Corp(RTX)10/20GENERAL ELECTRIC CO(GE)10/20PEGASYSTEMS INC(PEGA)10/20Albertsons Companies, Inc.(ACI)10/203M CO(MMM)10/20FACTSET RESEARCH SYSTEMS INC(FDS)10/20GENUINE PARTS CO(GPC)10/20MSCI Inc.(MSCI)10/20EQUIFAX INC(EFX)10/19FASTENAL CO(FAST)10/16Accenture plc(ACN)10/16TRAVELERS COMPANIES, INC.(TRV)10/15MARSH & MCLENNAN COMPANIES, INC.(MRSH)10/13DOMINOS PIZZA INC(DPZ)10/9MICRON TECHNOLOGY INC(MU)10/9DELTA AIR LINES, INC.(DAL)10/8PEPSICO INC(PEP)10/8LEVI STRAUSS & CO(LEVI)10/8CONSTELLATION BRANDS, INC.(STZ)10/8CINTAS CORP(CTAS)10/6Lamb Weston Holdings, Inc.(LW)10/2NIKE, Inc.(NKE)10/2DARDEN RESTAURANTS INC(DRI)9/30CONAGRA BRANDS INC.(CAG)9/29Carnival Corp Ltd.(CCL)9/29URANIUM ENERGY CORP(UEC)9/29COPART INC(CPRT)9/24BLACKBERRY Ltd(BB)9/24PAYCHEX INC(PAYX)9/23GENERAL MILLS INC(GIS)9/22ADOBE INC.(ADBE)9/18KROGER CO(KR)10/24KINDER MORGAN, INC.(KMI)10/24WESTERN DIGITAL CORP(WDC)10/24HALLIBURTON CO(HAL)10/24DOW INC.(DOW)10/24TEXAS INSTRUMENTS INC(TXN)10/24JABIL INC(JBL)10/24OMNICOM GROUP INC.(OMC)10/24Philip Morris International Inc.(PM)10/24AMERICAN EXPRESS CO(AXP)10/24HUNT J B TRANSPORT SERVICES INC(JBHT)10/24CME GROUP INC.(CME)10/24STEEL DYNAMICS INC(STLD)10/24LAS VEGAS SANDS CORP(LVS)10/24QUEST DIAGNOSTICS INC(DGX)10/24TELEDYNE TECHNOLOGIES INC(TDY)10/22SPACE EXPLORATION TECHNOLOGIES CORP(SPCX)10/22American Airlines Group Inc.(AAL)10/22PG&E Corp(PCG)10/22COMCAST CORP(CMCSA)10/22Tesla, Inc.(TSLA)10/22Meta Platforms, Inc.(META)10/22Bloom Energy Corp(BE)10/22LAM RESEARCH CORP(LRCX)10/22PROCTER & GAMBLE Co(PG)10/22ROLLINS INC(ROL)10/22SOUTHWEST AIRLINES CO(LUV)10/22Element Solutions Inc(ESI)10/22INTERNATIONAL BUSINESS MACHINES CORP(IBM)10/22Liberty Energy Inc.(LBRT)10/22Allegion plc(ALLE)10/22DOVER Corp(DOV)10/22HONEYWELL INTERNATIONAL INC(HON)10/22Snap-on Inc(SNA)10/22NORFOLK SOUTHERN CORP(NSC)10/22NASDAQ, INC.(NDAQ)10/22UNION PACIFIC CORP(UNP)10/22PULTEGROUP INC MI(PHM)10/22COMFORT SYSTEMS USA INC(FIX)10/22VERISIGN INC CA(VRSN)10/22CBRE GROUP, INC.(CBRE)10/22LOCKHEED MARTIN CORP(LMT)10/21NETFLIX INC(NFLX)10/21AT&T INC.(T)10/21CSX CORP(CSX)10/21United Airlines Holdings, Inc.(UAL)10/21WESTINGHOUSE AIR BRAKE TECHNOLOGIES CORP(WAB)10/21Elevance Health, Inc.(ELV)10/21JOHNSON & JOHNSON(JNJ)10/21UNITED RENTALS, INC.(URI)10/21INTUITIVE SURGICAL INC(ISRG)10/20CLEVELAND-CLIFFS INC.(CLF)10/20General Motors Co(GM)10/20RTX Corp(RTX)10/20GENERAL ELECTRIC CO(GE)10/20PEGASYSTEMS INC(PEGA)10/20Albertsons Companies, Inc.(ACI)10/203M CO(MMM)10/20FACTSET RESEARCH SYSTEMS INC(FDS)10/20GENUINE PARTS CO(GPC)10/20MSCI Inc.(MSCI)10/20EQUIFAX INC(EFX)10/19FASTENAL CO(FAST)10/16Accenture plc(ACN)10/16TRAVELERS COMPANIES, INC.(TRV)10/15MARSH & MCLENNAN COMPANIES, INC.(MRSH)10/13DOMINOS PIZZA INC(DPZ)10/9MICRON TECHNOLOGY INC(MU)10/9DELTA AIR LINES, INC.(DAL)10/8PEPSICO INC(PEP)10/8LEVI STRAUSS & CO(LEVI)10/8CONSTELLATION BRANDS, INC.(STZ)10/8CINTAS CORP(CTAS)10/6Lamb Weston Holdings, Inc.(LW)10/2NIKE, Inc.(NKE)10/2DARDEN RESTAURANTS INC(DRI)9/30CONAGRA BRANDS INC.(CAG)9/29Carnival Corp Ltd.(CCL)9/29URANIUM ENERGY CORP(UEC)9/29COPART INC(CPRT)9/24BLACKBERRY Ltd(BB)9/24PAYCHEX INC(PAYX)9/23GENERAL MILLS INC(GIS)9/22ADOBE INC.(ADBE)9/18KROGER CO(KR)
Balance Sheets Overview
Debt to Asset Ratio
90.89%
Unit: Thousand (K) dollars
Assets Breakdown
Loans held for investment, at fa...
Loans held for investment, at am...
Restricted cash
Others
Liabilities Breakdown
Securitized debt, at amortized c...
Unsecured senior notes, net
Additional paid-in capital
Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and cash equivalents
76,115
87,054
92,103
98,964
Restricted cash
169,088
24,996
157,134
18,846
Loans held for sale, at fair value
-
-
-
2,590
Loans held for investment, at amortized cost (net of allowance for credit losses of 5,102 and 4,521 as of june 30, 2026 and december 31, 2025, respectively)
1,823,039
1,951,030
2,028,262
2,127,170
Loans held for investment, at fair value
5,460,522
5,154,508
4,729,869
4,371,317
Total loans, net
7,283,561
7,105,538
6,758,131
6,501,077
Retained securities, at fair value
29,924
-
-
-
Accrued interest receivables
53,107
51,259
49,678
46,553
Receivables due from servicers
152,182
142,354
150,902
131,761
Other receivables
6,006
2,690
1,897
2,755
Real estate owned, net
142,085
131,849
118,289
113,700
Property, plant and equipment, gross
-
-
9,257
-
Accumulated depreciation and amortization
-
-
7,842
-
Property and equipment, net
1,291
1,324
1,415
1,481
Deferred tax asset, net
19,852
18,462
22,709
16,625
Mortgage servicing rights, at fair value
14,307
12,645
12,963
12,597
Derivative assets
118
464
66
18
Goodwill
6,775
6,775
6,775
6,775
Other assets
8,719
6,033
9,451
7,531
Total assets
7,963,130
7,591,443
7,381,513
6,958,683
Accounts payable and accrued expenses
186,020
173,076
168,314
170,584
Secured financing, net
73,427
73,274
286,679
286,218
Unsecured senior notes, net
486,170
485,445
-
-
Securitized debt, at amortized cost
1,570,782
1,638,995
1,705,589
1,783,150
Securitized debt, at fair value
4,609,891
4,426,240
4,236,737
3,748,889
Warehouse and repurchase facilities, net
311,676
98,009
308,506
332,386
Total liabilities
7,237,966
6,895,039
6,705,825
6,321,227
Common stock (0.01 par value, 100,000,000 shares authorized 40,279,046 and 39,573,657 shares issued, 39,293,655 and 38,965,317 shares outstanding as of june 30, 2026 and december 31, 2025, respectively)
405
403
398
396
Additional paid-in capital
390,977
385,254
382,564
379,401
Retained earnings
349,905
324,742
302,379
267,582
Treasury stock, at cost (985,391 and 608,340 common shares as of june 30, 2026 and december 31, 2025, respectively)
17,483
14,741
10,204
10,203
Accumulated other comprehensive loss
-2,267
-2,310
-2,602
-2,917
Total velocity financial inc. stockholders' equity
721,537
693,348
672,535
634,259
Noncontrolling interest in subsidiary
3,627
3,056
3,153
3,197
Total equity
725,164
696,404
675,688
637,456
Total liabilities and equity
7,963,130
7,591,443
7,381,513
6,958,683
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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