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| Date | Value |
|---|---|
| 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 |