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Velocity Financial VEL Q4 2025 Annual earnings

Reported March 11, 2026 · After market close

Revenue$102.9MBeat by $35.1M
EPS$0.93Beat by $0.26
Revenue estimate$67.8M
EPS estimate$0.67

Next report

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

Financials

Q4 2025

Income statement

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Net income$34.8M+69.0%
EPS (diluted)$0.89+56.1%

Balance sheet

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Cash & equivalents$92.1M+84.6%
Total debt$3.1M+15.0%
Total equity$672.5M+30.1%
Total assets$7.4B+33.5%

Cash flow

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CapEx$57.0K-42.4%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$807.56M+24.7%
Enterprise value$718.57M+19.7%
P/E7.7×-1.8×

Returns & leverage

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Return on equity17.7%+3.3pp
Debt / equity0×0.0×

FAQ

When did Velocity Financial report Q4 2025 earnings?
Velocity Financial (VEL) reported Q4 2025 earnings on March 11, 2026 after market close.
What were Velocity Financial's Q4 2025 revenue and EPS?
Velocity Financial reported revenue of $102.9M and eps of $0.93 for Q4 2025.
Did Velocity Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $67.8M by $35.1M. EPS beat the consensus estimate of $0.67 by $0.26.
How did Velocity Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 17.6% from $124.9M a year earlier and eps grew 55.0% from $0.60.
Where can I find Velocity Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-104323) and the 10-K periodic report (0001193125-26-102677) directly on SEC EDGAR. The filing index links above go to sec.gov.