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Velocity Financial (VEL) investor relations material
Velocity Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net income for Q3 2025 was $25.4 million, up 60.6% year-over-year, with diluted EPS rising to $0.65 from $0.44 and core diluted EPS at $0.69.
Core net income reached $26.9 million, a 58.9% increase year-over-year.
Record loan production of $739 million, up 55% year-over-year, with new applications exceeding $1.4 billion.
Total loan portfolio grew to $6.3 billion, a 32% increase year-over-year, with 49.3% in investor 1-4 unit loans.
Weighted average loan-to-value for new originations was 62.8%–65.5%, consistent with prior quarters.
Financial highlights
Portfolio net interest margin (NIM) was 3.65%, up 5 bps year-over-year and above the 3.5% target.
Portfolio yield for Q3 2025 was 9.54%, with cost of funds at 6.27%.
Nonperforming loan rate declined to 9.8%, down from 10.6% a year ago.
CECL loan loss reserve was $4.6 million (0.22% of UPB), stable over five quarters.
Diluted book value per share increased to $16.31 from $14.26 year-over-year.
Outlook and guidance
Management expects continued earnings growth, positive results, and robust capital markets, with the next long-term loan securitization targeted for December 2025.
Strategy focuses on compounding earnings by reinvesting into the platform and portfolio.
Management continues to apply a severe stress scenario in CECL modeling due to macroeconomic uncertainties.
Long-term impact of single counterparty securitization
REO valuation loss: Is it a timing issue?
What drives the 82-person headcount increase?
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Next Velocity Financial earnings date
Q4 202513 Mar, 2026
Next Velocity Financial earnings date
Q4 202513 Mar, 2026
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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.
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