)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Velocity Financial (VEL) investor relations material
Velocity Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Net income for Q2 2025 rose 75.9% year-over-year to $26.0M–$26.2M, with core net income at $27.5M and diluted EPS up to $0.69.
Loan production hit a record $725.4M, up 71.8% year-over-year, driving portfolio growth to $5.9B.
Portfolio expanded by nearly $1.4B year-over-year, with strong growth in commercial and investor rental loans.
Management remains confident in sustaining profitable market share growth amid robust market conditions.
Nonperforming loans as a percentage of portfolio was 10.3%, stable year-over-year.
Financial highlights
Net interest margin (NIM) for Q2 2025 was 3.82%, up 47 bps sequentially and 28 bps year-over-year.
Net interest income (portfolio related) was $53.7M, up from $38.6M in Q2 2024.
Diluted book value per share rose to $15.62, a 17.5% increase year-over-year.
Operating expenses increased to $51.9M, mainly due to higher compensation and securitization costs.
Core pre-tax ROE for Q2 2025 was 24.3%, with pre-tax return on average equity at 23.0%.
Outlook and guidance
Management targets a sustainable NIM of 3.5%+ and expects continued organic loan growth, though at a stepwise pace.
Next long-term loan securitization targeted for September 2025; market conditions remain supportive.
Ongoing technology investments aim to improve operational efficiency over the next 12–18 months.
Management remains optimistic about market momentum and expects continued growth in originations and market share.
Forward-looking statements highlight risks from economic, regulatory, and market conditions.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Velocity Financial earnings date
Q3 20256 Nov, 2025
Next Velocity Financial earnings date
Q3 20256 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Velocity Financial Inc. is a real estate finance company specializing in providing loans for small-scale commercial properties. The company focuses on originating and managing investor-focused loans for property types such as multi-family, mixed-use, and single-family rental units. Velocity Financial offers flexible financing solutions tailored to meet the needs of real estate investors, emphasizing speed and efficiency in its lending process. The company is headquartered in Westlake Village, California, and its shares are listed on the NYSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage