Velocity Financial (VEL) Interest Coverage Ratio (2019 - 2026)
Velocity Financial (VEL) posted quarterly Interest Coverage Ratio of 1.31 for Q1 2026, down 6.87% year-over-year from 1.4 in Q1 2025, and down 2.93% quarter-over-quarter from 1.35 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.
- In Q1 2026, Interest Coverage Ratio fell 6.87% year-over-year to 1.31; the TTM figure through Mar 2026 stood at 1.35 (down 1.48% YoY), while the FY2025 annual figure was 1.4, up 3.32% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 1.31, down from 1.35 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 1.48 in Q4 2024, with the low at 1.1 in Q1 2022.
- The 5-year median for Interest Coverage Ratio is 1.35 (2025), against an average of 1.34.
- The sharpest annual moves came in 2022 and 2023: Interest Coverage Ratio retreated 24.25% in 2022, then advanced 20.1% in 2023.
- Velocity Financial's Interest Coverage Ratio stood at 1.16 in 2022, then grew by 17.55% to 1.37 in 2023, then climbed by 8.06% to 1.48 in 2024, then retreated by 8.73% to 1.35 in 2025, then fell by 2.93% to 1.31 in 2026.
- Business Quant data shows VEL's Interest Coverage Ratio at 1.31 in Q1 2026, 1.35 in Q4 2025, and 1.37 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 39.55 Bn | 36.45 Bn | - | 1.75 |
| 2 | Federal National Mortgage Association Fannie Mae | 36.61 Bn | 36.61 Bn | - | 1.15 |
| 3 | Federal Home Loan Mortgage | 18.43 Bn | 14.11 Bn | - | 1.17 |
| 4 | PennyMac Financial Services | 3.90 Bn | 3.15 Bn | 480.08 Mn | 0.05 |
| 5 | CNFinance Holdings | 1.52 Bn | 1.45 Bn | - | - |
| 6 | Walker & Dunlop | 1.34 Bn | 1.18 Bn | - | 1.12 |
| 7 | Velocity Financial | 711.47 Mn | -6.74 Bn | - | 1.38 |
| 8 | UWM Holdings | 472.54 Mn | -25.87 Mn | - | -1.98 |
| 9 | Onity | 303.25 Mn | 106.95 Mn | - | 0.85 |
| 10 | loanDepot | 205.70 Mn | -105.44 Mn | - | 0.82 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.31 |
| Mar 31, 2026 | 1.31 |
| Dec 31, 2025 | 1.35 |
| 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 | 1.37 |
| Sep 30, 2023 | 1.33 |
| Jun 30, 2023 | 1.34 |
| Mar 31, 2023 | 1.32 |
| Dec 31, 2022 | 1.16 |
| 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 |