Velocity Financial (VEL) EBT Margin (2019 - 2026)

Velocity Financial's (VEL) quarterly EBT Margin came in at 31.11% in Q1 2026, up 968.0% year-on-year from 2.91% in Q1 2025, and up 23.42% quarter-over-quarter from 40.63% in Q4 2025.

Velocity Financial (VEL) EBT Margin (2019 - 2026) Analysis & Trends

Velocity Financial's EBT Margin history runs 8 years deep, the most recent figure standing at 31.11% for Q1 2026.

  • On a quarterly basis, EBT Margin rose 968.0% year-over-year to 31.11% in Q1 2026; TTM through Mar 2026 was 37.37%, a 90.0% increase from a year earlier, with the FY2025 full-year figure at 40.62%, down 392.0% from the prior year.
  • EBT Margin rose to 31.11% in Q1 2026 per VEL's latest filing, from 40.63% in the prior quarter.
  • Across five years, EBT Margin topped out at 10.34% in Q1 2022 and bottomed at 140.81% in Q4 2023.
  • The 5-year median for EBT Margin is 37.84% (2022), against an average of 41.72%.
  • Across the five-year window, EBT Margin plunged 11210 bps in 2023 and soared 9154 bps in 2024, its largest moves.
  • Year by year, EBT Margin stood at 28.71% in 2022, then tumbled by 390 bps to 140.81% in 2023, then jumped by 65 bps to 49.27% in 2024, then advanced by 18 bps to 40.63% in 2025, then gained by 23 bps to 31.11% in 2026.
  • Per Business Quant, the three latest VEL EBT Margin figures stand at 31.11% (Q1 2026), 40.63% (Q4 2025), and 38.14% (Q3 2025).

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Rocket Companies 38.33 Bn 35.64 Bn - 13.60%
2 Federal National Mortgage Association Fannie Mae 35.67 Bn 35.67 Bn - 84.74%
3 Federal Home Loan Mortgage 18.11 Bn 13.64 Bn - 72.25%
4 PennyMac Financial Services 4.41 Bn 3.76 Bn 523.89 Mn 19.21%
5 CNFinance Holdings 3.28 Bn 3.20 Bn - -
6 Walker & Dunlop 1.64 Bn 1.44 Bn - 8.61%
7 Velocity Financial 681.36 Mn -6.51 Bn - -31.11%
8 UWM Holdings 540.43 Mn 116.43 Mn - 19.69%
9 Better Home & Finance Holding 362.34 Mn 298.07 Mn - -107.20%
10 Onity 340.51 Mn 215.81 Mn - 41.36%

Historic Data

Download Data
DateValue
Mar 31, 2026 -31.11%
Dec 31, 2025 -40.63%
Sep 30, 2025 -38.14%
Jun 30, 2025 -39.09%
Mar 31, 2025 -40.79%
Dec 31, 2024 -49.27%
Sep 30, 2024 -31.52%
Jun 30, 2024 -31.51%
Mar 31, 2024 -38.85%
Dec 31, 2023 -140.81%
Sep 30, 2023 -34.66%
Jun 30, 2023 -35.08%
Mar 31, 2023 -33.09%
Dec 31, 2022 -28.71%
Sep 30, 2022 -37.84%
Jun 30, 2022 -47.76%
Mar 31, 2022 -10.34%
Dec 31, 2021 -57.11%
Sep 30, 2021 -47.80%
Jun 30, 2021 -58.68%