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