Velocity Financial (VEL) Debt Ratio (2019 - 2026)
Velocity Financial (VEL) posted quarterly Debt Ratio of 0.08 for Q1 2026, up 57.83% year-over-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.
- In Q1 2026, Debt Ratio rose 57.83% year-over-year to 0.08; the TTM figure through Mar 2026 stood at 0.08 (up 57.83% YoY), while the FY2025 annual figure was 0.04, down 24.63% from the prior year.
- Debt Ratio for Q1 2026 stood at 0.08, up from 0.04 in the prior quarter.
- The five-year high for Debt Ratio was 0.82 in Q3 2023, with the low at 0.04 in Q4 2025.
- The 5-year median for Debt Ratio is 0.06 (2024), against an average of 0.27.
- The sharpest annual moves came in 2024 and 2025: Debt Ratio soared 1354.75% in 2024, then tumbled 94.0% in 2025.
- Velocity Financial's Debt Ratio stood at 0.79 in 2022, then rose by 1.33% to 0.8 in 2023, then sank by 93.53% to 0.05 in 2024, then fell by 24.63% to 0.04 in 2025, then jumped by 94.16% to 0.08 in 2026.
- Business Quant data shows VEL's Debt Ratio at 0.08 in Q1 2026, 0.04 in Q4 2025, and 0.04 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 39.89 Bn | 36.79 Bn | - | 0.27 |
| 2 | Federal National Mortgage Association Fannie Mae | 36.43 Bn | 36.43 Bn | - | - |
| 3 | Federal Home Loan Mortgage | 18.24 Bn | 13.92 Bn | - | 0.05 |
| 4 | PennyMac Financial Services | 3.95 Bn | 3.20 Bn | 480.08 Mn | 0.16 |
| 5 | CNFinance Holdings | 1.54 Bn | 1.47 Bn | - | 0.27 |
| 6 | Walker & Dunlop | 1.34 Bn | 1.18 Bn | - | 0.17 |
| 7 | Velocity Financial | 711.47 Mn | -6.74 Bn | - | 0.07 |
| 8 | UWM Holdings | 482.66 Mn | -15.75 Mn | - | 0.17 |
| 9 | Onity | 303.97 Mn | 107.67 Mn | - | 0.29 |
| 10 | loanDepot | 201.58 Mn | -109.56 Mn | - | 0.32 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 0.07 |
| 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 |