Velocity Financial (VEL) Retained Earnings (2020 - 2026)
Velocity Financial's Retained Earnings came in at $349.91 million for Q2 2026, up 44.5% from $242.21 million a year earlier and up 7.7% from the prior quarter.
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Analysis
Velocity Financial (VEL) Retained Earnings (2020 - 2026) Analysis & Trends
At the end of FY2025, Velocity Financial's Retained Earnings was $302.38 million, up 53.2% from FY2024.
- Retained Earnings has increased in each of the last five years, with a five-year compound annual growth rate of 81.9% (FY2020 to FY2025).
- Going back by year, Retained Earnings was $197.33 million in FY2024 (+53.1%), $128.91 million in FY2023 (+68.2%), $76.63 million in FY2022 (+72.5%) and $44.42 million in FY2021 (+192.3%).
- The Q2 2026 figure represents the highest quarterly Retained Earnings in data going back to Q1 2020.
- Year-over-year, Retained Earnings has increased for 20 consecutive quarters, with growth averaging 51.2% over the last eight quarters.
- Across the past five years, year-over-year growth in Retained Earnings ran from 44.5% in Q2 2026 to 541.6% in Q3 2021.
- Business Quant data shows VEL's Retained Earnings at $324.74 million (Q1 2026), $302.38 million (Q4 2025) and $267.58 million (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | 1.36 Bn |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | 2.50 Bn |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 27.26 Bn |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | -12.38 Bn |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | 1.85 Bn |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | -962.86 Mn |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 26.72 Bn |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | -14.85 Bn |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | 504.00 Mn |
| 10 | Velocity Financial | 657.22 Mn | 319.62 Mn | - | 376.32 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 376.32 Mn |
| Jun 30, 2026 | 349.91 Mn |
| Mar 31, 2026 | 324.74 Mn |
| Dec 31, 2025 | 302.38 Mn |
| Sep 30, 2025 | 267.58 Mn |
| Jun 30, 2025 | 242.21 Mn |
| Mar 31, 2025 | 216.21 Mn |
| Dec 31, 2024 | 197.33 Mn |
| Sep 30, 2024 | 176.74 Mn |
| Jun 30, 2024 | 160.94 Mn |
| Mar 31, 2024 | 146.16 Mn |
| Dec 31, 2023 | 128.91 Mn |
| Sep 30, 2023 | 111.55 Mn |
| Jun 30, 2023 | 99.47 Mn |
| Mar 31, 2023 | 87.28 Mn |
| Dec 31, 2022 | 76.63 Mn |
| Sep 30, 2022 | 68.17 Mn |
| Jun 30, 2022 | 58.19 Mn |
| Mar 31, 2022 | 47.54 Mn |
| Dec 31, 2021 | 44.42 Mn |
API Access
Velocity Financial Retained Earnings API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=retained-earnings&ticker=VEL&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "retained-earnings", "ticker": "VEL", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=retained-earnings&ticker=VEL&period=max&api_key=YOUR_API_KEY");
const data = await res.json();