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Velocity Financial Inc (VEL) Annual Income Statement

Annual · GAAP · USD millions
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases Held-in-portfolio550.83
Other Income0.00
Total Interest Income550.83
Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits340.48
Interest Expense, Borrowings24.57
Total Interest Expense365.05
Net Interest Income185.78
Provision for loan losses5.81
Total Net Interest Income179.98
Noninterest Income, Other2.13
Loss / Gain on Investment0.00
Other Non-Interest Income0.00
Total Non-interest Income359.22
Total Revenues545.00
Costs & Expenses
Foreclosed Real Estate Expense0.00
Professional Fees and Commission6.10
Other Noninterest Expense10.85
Other loss /-income180.41
Total Operating Expenses197.36
Total Costs & Expenses562.40
Income & Taxes
Income /-loss before income taxes146.24
Income taxes expenses/-benefit41.26
Income after income taxes104.98
Net income/-loss of other equity0.00
Income /-loss after income taxes104.98
Net Income/-loss104.98
Other-0.07
Income/-loss to shareholder105.05
Earnings Per Share
Basic EPS (excl. extra items)2.81
Basic Net EPS2.81
Basic shares outstanding (Mill. of Units)36.85
Diluted Net EPS2.75
Diluted average shares (Mill. of Units)38.18
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About Velocity Financial Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: March 11, 2026
  • Original filing: vel-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.