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Velocity Financial (VEL)
NYSE:VEL
Earnings Data
Report Date
Oct 30, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.57Last Year’s EPS
0.47Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call for Velocity Financial's Q2 2025 results highlighted significant growth in net income, loan production, and portfolio expansion, with an effective securitization strategy contributing to enhanced liquidity. Despite these achievements, challenges remain with a high nonperforming loan rate and increased prepayment activity. Overall, the positive developments outweigh the concerns, reflecting a strong performance and optimistic outlook.Company Guidance -
Q3 2025
Record Quarterly Results
Velocity Financial reported record quarterly results with net income increasing 76% and new loan production up 72% compared to Q2 '24.
Revenue and Pretax Income Growth
Revenue grew by $31 million, and pretax income increased by $14 million, boosting core pretax return on equity to 24%.
Portfolio Expansion
The portfolio expanded by just under $1.4 billion year-over-year, with commercial properties increasing by $770 million and residential properties by $600 million.
Securitization Activity
The company completed 4 securitizations, issuing just under $1 billion in securities, and improved liquidity to $139 million.
Loan Production and Portfolio Growth
Q2 had record loan production of over $725 million in UPB, a 13.3% increase from Q1, contributing to a 30.8% year-over-year portfolio growth.
Net Interest Margin (NIM) Increase
NIM for the quarter was 3.82%, a 47 bps increase from the previous quarter, driven by the recapture of delinquent interest on nonperforming loans.
Nonperforming Asset Resolution
The asset management team achieved gains of $3.6 million on just over $100 million of UPB resolved, indicating successful delinquent loan management.
VEL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
VEL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Aug 07, 2025 | $16.33 | $17.58 | +7.65% |
May 01, 2025 | $17.85 | $17.12 | -4.09% |
Mar 06, 2025 | $18.88 | $20.48 | +8.47% |
Nov 07, 2024 | $19.49 | $19.82 | +1.69% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Velocity Financial (VEL) report earnings?
Velocity Financial (VEL) is schdueled to report earning on Oct 30, 2025, Before Open (Confirmed).
What is Velocity Financial (VEL) earnings time?
Velocity Financial (VEL) earnings time is at Oct 30, 2025, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is VEL EPS forecast?
VEL EPS forecast for the fiscal quarter 2025 (Q3) is 0.57.