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Velocity Financial VEL Q3 2025 earnings

Reported November 6, 2025 · After market close

Revenue$172.3MBeat by $119.8M
EPS$0.69Beat by $0.02
Revenue estimate$52.5M
EPS estimate$0.67

Next report

Nov 5, 2026 (in 3 months)
Revenue estimate$87.2M
EPS estimate$0.70

Financials

Q3 2025

Income statement

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Net income$25.4M+60.6%
EPS (diluted)$0.65+47.7%

Balance sheet

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Cash & equivalents$99.0M+124%
Total equity$634.3M+30.9%
Total assets$7.0B+33.8%

Cash flow

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Operating cash flow$11.5M—
CapEx$66.0K+1.5%
Free cash flow$11.4M—

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$697.28M+9.1%
P/E7.7×-2.1×

Returns & leverage

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Return on equity16.2%+1.8pp

FAQ

When did Velocity Financial report Q3 2025 earnings?
Velocity Financial (VEL) reported Q3 2025 earnings on November 6, 2025 after market close.
What were Velocity Financial's Q3 2025 revenue and EPS?
Velocity Financial reported revenue of $172.3M and eps of $0.69 for Q3 2025.
Did Velocity Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $52.5M by $119.8M. EPS beat the consensus estimate of $0.67 by $0.02.
How did Velocity Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 249.7% from $49.3M a year earlier and eps grew 46.8% from $0.47.
Where can I find Velocity Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-272032) and the 10-Q periodic report (0001193125-25-270220) directly on SEC EDGAR. The filing index links above go to sec.gov.