Velocity Financial (VEL) EBT Margin (2019 - 2026)
Velocity Financial (VEL) posted quarterly EBT Margin of 31.11% for Q1 2026, up 968.0% year-over-year from 2.91% in Q1 2025, and up 10.89% quarter-over-quarter from 34.91% 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.
- In Q1 2026, EBT Margin rose 968.0% year-over-year to 31.11%; the TTM figure through Mar 2026 stood at 35.59% (up 269.0% YoY), while the FY2025 annual figure was 40.62%, down 392.0% from the prior year.
- EBT Margin for Q1 2026 stood at 31.11%, up from 34.91% in the prior quarter.
- The five-year high for EBT Margin was 10.34% in Q1 2022, with the low at 49.27% in Q4 2024.
- The 5-year median for EBT Margin is 35.08% (2023), against an average of 34.6%.
- The sharpest annual moves came in 2022 and 2023: EBT Margin surged 4028 bps in 2022, then sank 2275 bps in 2023.
- Velocity Financial's EBT Margin stood at 16.83% in 2022, then plunged by 122 bps to 37.45% in 2023, then sank by 32 bps to 49.27% in 2024, then increased by 29 bps to 34.91% in 2025, then increased by 11 bps to 31.11% in 2026.
- Business Quant data shows VEL's EBT Margin at 31.11% in Q1 2026, 34.91% in Q4 2025, and 38.14% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 39.89 Bn | 36.79 Bn | - | 10.09% |
| 2 | Federal National Mortgage Association Fannie Mae | 36.43 Bn | 36.43 Bn | - | 66.15% |
| 3 | Federal Home Loan Mortgage | 18.24 Bn | 13.92 Bn | - | 79.69% |
| 4 | PennyMac Financial Services | 3.95 Bn | 3.20 Bn | 480.08 Mn | 6.34% |
| 5 | CNFinance Holdings | 1.54 Bn | 1.47 Bn | - | - |
| 6 | Walker & Dunlop | 1.34 Bn | 1.18 Bn | - | 0.68% |
| 7 | Velocity Financial | 711.47 Mn | -6.74 Bn | - | -38.58% |
| 8 | UWM Holdings | 482.66 Mn | -15.75 Mn | - | -53.26% |
| 9 | Onity | 303.97 Mn | 107.67 Mn | - | -5.34% |
| 10 | loanDepot | 201.58 Mn | -109.56 Mn | - | -1.96% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -32.08% |
| Mar 31, 2026 | -31.11% |
| Dec 31, 2025 | -34.91% |
| 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 | -37.45% |
| Sep 30, 2023 | -34.66% |
| Jun 30, 2023 | -35.08% |
| Mar 31, 2023 | -33.09% |
| Dec 31, 2022 | -16.83% |
| 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% |