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Velocity Financial VEL Capitalized Interest On Loans Held For Investment

Capitalized Interest On Loans Held For Investment at other companies

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$137K
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$11.75M+63.8%
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$109K+70.3%
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Acco BrandsACCO
$0
NVE Corporation logo
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$447.43K-6.1%
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$134.82M+16.2%

Other financials

Income statement

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Net income$22.4M+18.4%
EPS (diluted)$0.57+11.8%

Balance sheet

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Cash & equivalents$87.1M+68.5%
Total debt$3.1M+15.0%
Total equity$693.3M+23.1%
Total assets$7.6B+27.1%

Cash flow

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Operating cash flow$12.1M+242%
CapEx$42.0K-47.5%
Free cash flow$12.0M+248%

Valuation

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Market cap$696.78M+2.6%
P/E6.4×-3.3×

Returns & leverage

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Return on equity17.3%+3.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Velocity Financial in its filing.

Tagged under the XBRL concept vel:CapitalizedInterestOnLoansHeldForInvestment.

The official record: Velocity Financial’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Velocity Financial's capitalized interest on loans held for investment?
Velocity Financial (VEL) reported capitalized interest on loans held for investment of $576K in Q4 2025.
How has Velocity Financial's capitalized interest on loans held for investment changed year-over-year?
Velocity Financial's capitalized interest on loans held for investment increased by 64.2% year-over-year, from $350.75K to $576K.
What is the long-term trend for Velocity Financial's capitalized interest on loans held for investment?
Over 4 years (2021 to 2025), Velocity Financial's capitalized interest on loans held for investment has grown at a 3.0% compound annual growth rate (CAGR), from $2.05M to $2.3M.
What does capitalized interest on loans held for investment mean?
This metric reflects the portion of interest income that is added to the principal balance of loans rather than being collected in cash during the period. It indicates the extent to which the company is accruing interest that remains tied up in the underlying loan assets. High levels of capitalized interest may suggest deferred cash realization and potential credit risk associated with borrower repayment capacity.