Velocity Financial Inc. announced preliminary unaudited results for the fourth quarter and full year 2025. For the fourth quarter (Q4), net income was at least USD 35 million, an increase of at least 70%. GAAP earnings per diluted common share reached at least USD 0.90, an increase of at least 56%. The portfolio net interest margin $(NIM)$ was at least 3.55% for Q4. As of December 31, 2025, total portfolio loan unpaid principal balance $(UPB)$ stood at approximately USD 6.5 billion, marking an approximate 28% increase. Nonperforming loans accounted for between 8.5 and 8.6 percent of total loan UPB, down from 10.7 percent at the end of 2024. Stockholders’ equity was at least USD 675 million, an increase of at least 30%. GAAP stockholders’ equity per diluted common share outstanding was at least USD 17.15 as of December 31, 2025. All figures are preliminary and subject to completion of the company’s financial closing procedures. Velocity Financial Inc. will release its audited financial results for the period ended December 31, 2025, on March 11, 2026.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Velocity Financial Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-021758), on January 26, 2026, and is solely responsible for the information contained therein.