Velocity Financial (VEL) Debt Ratio (2019 - 2026)

Velocity Financial's (VEL) quarterly Debt Ratio came in at 0.08 in Q1 2026, up 57.83% year-on-year from 0.05 in Q1 2025, and up 94.16% quarter-over-quarter from 0.04 in Q4 2025.

Velocity Financial (VEL) Debt Ratio (2019 - 2026) Analysis & Trends

Velocity Financial's Debt Ratio history runs 8 years deep, the most recent figure standing at 0.08 for Q1 2026.

  • On a quarterly basis, Debt Ratio rose 57.83% year-over-year to 0.08 in Q1 2026; TTM through Mar 2026 was 0.08, a 57.83% increase from a year earlier, with the FY2025 full-year figure at 0.04, down 24.63% from the prior year.
  • Debt Ratio rose to 0.08 in Q1 2026 per VEL's latest filing, from 0.04 in the prior quarter.
  • Across five years, Debt Ratio topped out at 0.82 in Q3 2023 and bottomed at 0.04 in Q4 2025.
  • The 5-year median for Debt Ratio is 0.06 (2024), against an average of 0.27.
  • Across the five-year window, Debt Ratio soared 1354.75% in 2024 and plunged 94.0% in 2025, its largest moves.
  • Year by year, Debt Ratio stood at 0.79 in 2022, then gained by 1.33% to 0.8 in 2023, then plunged by 93.53% to 0.05 in 2024, then retreated by 24.63% to 0.04 in 2025, then surged by 94.16% to 0.08 in 2026.
  • Per Business Quant, the three latest VEL Debt Ratio figures stand at 0.08 (Q1 2026), 0.04 (Q4 2025), and 0.04 (Q3 2025).

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Rocket Companies 38.33 Bn 35.64 Bn - 0.18
2 Federal National Mortgage Association Fannie Mae 35.67 Bn 35.67 Bn - -
3 Federal Home Loan Mortgage 18.11 Bn 13.64 Bn - 0.06
4 PennyMac Financial Services 4.41 Bn 3.76 Bn 523.89 Mn 0.04
5 CNFinance Holdings 3.28 Bn 3.20 Bn - 0.27
6 Walker & Dunlop 1.64 Bn 1.44 Bn - 0.13
7 Velocity Financial 681.36 Mn -6.51 Bn - 0.08
8 UWM Holdings 540.43 Mn 116.43 Mn - 0.00
9 Better Home & Finance Holding 362.34 Mn 298.07 Mn - 0.13
10 Onity 340.51 Mn 215.81 Mn - 0.12

Historic Data

Download Data
DateValue
Mar 31, 2026 0.08
Dec 31, 2025 0.04
Sep 30, 2025 0.04
Jun 30, 2025 0.04
Mar 31, 2025 0.05
Dec 31, 2024 0.05
Sep 30, 2024 0.05
Jun 30, 2024 0.06
Mar 31, 2024 0.80
Dec 31, 2023 0.80
Sep 30, 2023 0.82
Jun 30, 2023 0.81
Mar 31, 2023 0.05
Dec 31, 2022 0.79
Sep 30, 2022 0.06
Jun 30, 2022 0.06
Mar 31, 2022 0.07
Dec 31, 2021 0.06
Sep 30, 2021 0.07
Jun 30, 2021 0.07