Velocity Financial (VEL) Interest Coverage Ratio (2019 - 2026)

Velocity Financial's (VEL) quarterly Interest Coverage Ratio came in at 1.31 in Q1 2026, down 6.87% year-on-year from 1.4 in Q1 2025, and down 6.83% quarter-over-quarter from 1.4 in Q4 2025.

Velocity Financial (VEL) Interest Coverage Ratio (2019 - 2026) Analysis & Trends

Velocity Financial's Interest Coverage Ratio history runs 8 years deep, the most recent figure standing at 1.31 for Q1 2026.

  • On a quarterly basis, Interest Coverage Ratio fell 6.87% year-over-year to 1.31 in Q1 2026; TTM through Mar 2026 was 1.37, a 0.21% change from a year earlier, with the FY2025 full-year figure at 1.4, up 3.32% from the prior year.
  • Interest Coverage Ratio declined to 1.31 in Q1 2026 per VEL's latest filing, from 1.4 in the prior quarter.
  • Across five years, Interest Coverage Ratio topped out at 2.29 in Q4 2023 and bottomed at 1.1 in Q1 2022.
  • The 5-year median for Interest Coverage Ratio is 1.36 (2022), against an average of 1.4.
  • Across the five-year window, Interest Coverage Ratio surged 80.68% in 2023 and plunged 35.62% in 2024, its largest moves.
  • Year by year, Interest Coverage Ratio stood at 1.27 in 2022, then jumped by 80.68% to 2.29 in 2023, then slumped by 35.62% to 1.48 in 2024, then dropped by 4.91% to 1.4 in 2025, then retreated by 6.83% to 1.31 in 2026.
  • Per Business Quant, the three latest VEL Interest Coverage Ratio figures stand at 1.31 (Q1 2026), 1.4 (Q4 2025), and 1.37 (Q3 2025).

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Interest Cover (Qtr)
1 Rocket Companies 38.33 Bn 35.64 Bn - 2.15
2 Federal National Mortgage Association Fannie Mae 35.67 Bn 35.67 Bn - 1.13
3 Federal Home Loan Mortgage 18.11 Bn 13.64 Bn - 1.15
4 PennyMac Financial Services 4.41 Bn 3.76 Bn 523.89 Mn 0.34
5 CNFinance Holdings 3.28 Bn 3.20 Bn - -
6 Walker & Dunlop 1.64 Bn 1.44 Bn - 2.52
7 Velocity Financial 681.36 Mn -6.51 Bn - 1.31
8 UWM Holdings 540.43 Mn 116.43 Mn - 2.22
9 Better Home & Finance Holding 362.34 Mn 298.07 Mn - -7.89
10 Onity 340.51 Mn 215.81 Mn - 1.11

Historic Data

Download Data
DateValue
Mar 31, 2026 1.31
Dec 31, 2025 1.40
Sep 30, 2025 1.37
Jun 30, 2025 1.39
Mar 31, 2025 1.40
Dec 31, 2024 1.48
Sep 30, 2024 1.30
Jun 30, 2024 1.30
Mar 31, 2024 1.38
Dec 31, 2023 2.29
Sep 30, 2023 1.33
Jun 30, 2023 1.34
Mar 31, 2023 1.32
Dec 31, 2022 1.27
Sep 30, 2022 1.36
Jun 30, 2022 1.45
Mar 31, 2022 1.10
Dec 31, 2021 1.53
Sep 30, 2021 1.44
Jun 30, 2021 1.52