Velocity Financial, Inc. (VEL) Earnings History
Annual and quarterly earnings data from 2016 to 2025
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VEL EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
VEL Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 95.3% | 71.6% | 14.7% |
| 2024 | 43.6% | 20.0% | 14.2% |
| 2023 | 100.0% | 58.3% | 39.7% |
| 2022 | 36.2% | 17.9% | 13.0% |
| 2021 | 41.7% | 21.9% | 16.1% |
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Velocity Financial, Inc. (VEL) Earnings Overview
As of May 8, 2026, Velocity Financial, Inc. (VEL) reported trailing twelve-month net income of $108M, reflecting +44.0% year-over-year growth. The company earned $2.76 per diluted share over the past four quarters, with a net profit margin of 14.7%.
Looking at the long-term picture, VEL's historical earnings data spans multiple years. The company achieved its highest annual net income of $105M in fiscal 2025, representing a new all-time high.
Velocity Financial, Inc. maintains positive profitability with a gross margin of 95.3%, operating margin of 71.6%, and net margin of 14.7%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including RC (-$229M net income, -45.8% margin), ACRE (-$20M net income, -1.1% margin), GPMT (-$40M net income, -28.3% margin), VEL has outperformed on profitability metrics. Compare VEL vs RC →
VEL Earnings vs Peers
Earnings metrics vs comparable public companies
VEL Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $105M | +53.5% | $511M | $2.75 | 14.7% | 71.6% |
| 2024 | $68M | +30.9% | $96M | $1.91 | 14.2% | 20.0% |
| 2023 | $52M | +62.3% | $77M | $1.52 | 39.7% | 58.3% |
| 2022 | $32M | +10.2% | $45M | $0.93 | 13.0% | 17.9% |
| 2021 | $29M | +64.4% | $40M | $0.86 | 16.1% | 21.9% |
| 2020 | $18M | +2.8% | $23M | $-1.55 | 10.7% | 13.9% |
| 2019 | $17M | +126.6% | $25M | $0.86 | 11.3% | 16.6% |
| 2018 | $8M | -45.4% | $19M | $0.90 | 6.3% | 15.8% |
| 2017 | $14M | +105.8% | $14M | $1.19 | 14.7% | 14.7% |
| 2016 | $7M | - | $7M | $0.58 | 9.0% | 9.0% |
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Start ComparisonVEL — Frequently Asked Questions
Quick answers to the most common questions about buying VEL stock.
Is VEL growing earnings?
VEL EPS is $2.76, with earnings growth accelerating to +44.0%. This exceeds the 5-year CAGR of N/A. TTM net income reached $108M.
What are VEL's profit margins?
Velocity Financial, Inc. net margin is +14.7%, with operating margin at +71.6%. Margins sit within typical range for the sector.
How consistent are VEL's earnings?
VEL earnings data spans 2016-2025. The accelerating earnings trend is +44.0% YoY. Historical data enables comparison across business cycles.