Financial insights of VEL

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$22,363K
EPS
$0.57
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest income	153,080	137,707*	-	-
Interest expense portfolio related	94,027	85,119*	-	-
Net interest income portfolio related	59,053	52,588*	-	-
Interest expense corporate debt	15,133	6,143*	-	-
Net interest income	43,920	46,445*	-	-
Provision for credit losses	1,661	1,451*	-	-
Net interest income after provision for credit losses	42,259	44,994*	-	-
Gain on disposition of loans-Nonrelated Party	-	4,228*	-	-
Gain on disposition of loans-Related Party	-	4,836*	-	-
Gain on disposition of loans	2,896	-	-	-
Unrealized gain on fair value loans	1,039	29,214*	-	-
Unrealized gain (loss) on fair value securitized debt	26,254	-7,613*	-	-
Unrealized loss on mortgage servicing rights	-337	-249*	-	-
Origination fee income	7,970	8,496*	-	-
Interest income on cash balance	1,405	1,464*	-	-
Other income	3,730	532*	-	-
Total other operating income	42,957	40,905*	-	-
Compensation and employee benefits	23,520	19,143*	-	-
Origination expenses	-1,163	-1,116*	-	-
Securitization expenses	5,285	7,071*	-	-
Loan servicing	8,563	8,352*	-	-
Professional fees	5,781	1,525*	-	-
Net unrealized gain (loss) arising during the period, before tax	-	-	140	-
Rent and occupancy	340	281*	-	-
Net unrealized gain (loss) arising during the period, tax effect	-	-	42	-
Real estate owned, net	6,862	5,727*	-	-
Net unrealized gain (loss) on cash flow hedges arising during the period	-	-	98	-1,613
Other operating expenses	2,825	2,713*	-	-
Total operating expenses	54,339	45,927*	-	-
Income before income taxes	30,877	39,972*	-	-
Domestic Country	6,494	7,714*	-	-
Reclassification adjustments included in net income, before-tax	-	-	-269	-
State And Local Jurisdiction	2,084	2,600*	-	-
Reclassification adjustments included in net income, tax effect	-	-	-77	-
Income tax expense	8,578	10,314*	-	-
Reclassification adjustments included in net income	-	-	-192	-205
Net income	22,299	29,658*	-	-
Total other comprehensive income (loss), net of tax	-	-	290	-1,408
Net loss attributable to noncontrolling interest	-64	-18*	-	-
Net income attributable to velocity financial, inc	22,363	29,676	25,373	25,997
Total comprehensive income attributable to velocity financial, inc	-	-	25,663	24,589

Basic EPS	0.57	0.841	0.66	0.69
Diluted EPS	0.57	0.782	0.65	0.69
Basic Average Shares	38,626,000	35,283,000	38,073,000	37,194,000
Diluted Average Shares	39,174,000	37,944,000	38,800,000	37,790,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$22,363K
EPS
$0.57
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$22,363K
EPS
$0.57
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$22,363KEPS$0.57Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$22,363KEPS$0.57Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$22,363K
EPS
$0.57
Unit: Thousand (K) dollars

Net Income
$22,363K
EPS
$0.57
Unit: Thousand (K) dollars