Velocity Financial (VEL) Interest Coverage Ratio (2022 - 2026)
Velocity Financial (VEL) posted Interest Coverage Ratio of 1.38 for Q2 2026, up 2.58% on a QoQ basis from 1.34 in Q1 2026, and down 5.78% year-over-year from 1.46 in Q2 2025.
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Analysis
Velocity Financial (VEL) Interest Coverage Ratio (2022 - 2026) Analysis & Trends
Velocity Financial has reported Interest Coverage Ratio for 5 years, with the latest figure at 1.38 in Q2 2026.
- On a quarterly basis, Interest Coverage Ratio fell 5.78% year-over-year to 1.38 in Q2 2026; TTM through Jun 2026 was 1.43, a 0.8% decrease from a year earlier, with the FY2025 full-year figure at 1.47, up 2.56% from the prior year.
- Interest Coverage Ratio was 1.38 for Q2 2026 at Velocity Financial, up from 1.34 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 1.57 in Q4 2025, with the low at 1.33 in Q4 2022.
- Average Interest Coverage Ratio over 5 years is 1.43, with a median of 1.4 recorded in 2023.
- The sharpest annual moves came in 2023 and 2026: Interest Coverage Ratio increased 11.88% in 2023, then fell 5.78% in 2026.
- Over 5 years, Interest Coverage Ratio stood at 1.33 in 2022, then increased by 11.88% to 1.49 in 2023, then rose by 2.07% to 1.52 in 2024, then grew by 3.15% to 1.57 in 2025, then retreated by 12.36% to 1.38 in 2026.
- The last three Interest Coverage Ratio figures came in at 1.38 (Q2 2026), 1.34 (Q1 2026), and 1.57 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 46.15 Bn | 43.05 Bn | - | 1.75 |
| 2 | Federal National Mortgage Association Fannie Mae | 30.33 Bn | 30.33 Bn | - | 1.15 |
| 3 | Figure Technology Solutions | 7.94 Bn | 6.40 Bn | 196.67 Mn | 3.95 |
| 4 | PennyMac Financial Services | 3.45 Bn | 2.70 Bn | 480.08 Mn | 0.05 |
| 5 | Federal Agricultural Mortgage | 2.40 Bn | 1.36 Bn | - | 1.25 |
| 6 | UWM Holdings | 2.01 Bn | 2.36 Bn | - | -1.98 |
| 7 | Walker & Dunlop | 1.26 Bn | 1.11 Bn | - | 1.12 |
| 8 | CNFinance Holdings | 1.25 Bn | 1.25 Bn | - | - |
| 9 | Velocity Financial | 630.27 Mn | -6.82 Bn | - | 1.38 |
| 10 | Onity | 266.14 Mn | 69.84 Mn | - | 0.85 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.38 |
| Mar 31, 2026 | 1.34 |
| Dec 31, 2025 | 1.57 |
| Sep 30, 2025 | 1.44 |
| Jun 30, 2025 | 1.46 |
| Mar 31, 2025 | 1.40 |
| Dec 31, 2024 | 1.52 |
| Sep 30, 2024 | 1.37 |
| Jun 30, 2024 | 1.37 |
| Mar 31, 2024 | 1.47 |
| Dec 31, 2023 | 1.49 |
| Sep 30, 2023 | 1.40 |
| Jun 30, 2023 | 1.43 |
| Mar 31, 2023 | 1.40 |
| Dec 31, 2022 | 1.33 |