Jun 2026 (Q2 FY26) — Aug 5, 2026
Velocity Financial Q2 FY26 — Strong Loan Portfolio Growth and NPL Resolution Gains
Read the full callVelocity Financial (VEL) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Velocity Financial earnings: last reported Wed, 5 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 25.2 | −3.2% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$14.51 −1.36% · −$0.2
Performance −19.2% 1Y
1Y: $17.96 on 17 Oct 2025 → $14.51. High $20.76 (31 Dec 2025), low $14.51 (19 Oct 2026).
- Previous close
- $14.71
- 52-week range
- $14.51 – $20.76
- One year
- −19.52%
Overview
- Symbol
- VEL
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Velocity Financial earnings calls (VEL)
Financials
What the filings say
Net profit, year on year: −3% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 21 | 32 | 27 | 34 | 35 | 50 | 31 | 35 |
| Tax rate | 26.5% | 35.1% | 30.7% | 22.9% | 28.2% | 30.6% | 27.8% | 27.0% |
| Net profit | 16 | 21 | 19 | 26 | 25 | 35 | 22 | 25 |
| EPS ($ per share) | 0.48 | — | 0.55 | 0.69 | 0.66 | — | 0.57 | 0.64 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | — | — | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | — | — | 15 | 44 | 77 | 129 | 197 | 302 |
| Total liabilities | — | 2,062 | 1,793 | 2,468 | 3,368 | 3,968 | 5,007 | 6,706 |
| Fixed assets | — | 5 | 4 | 4 | 3 | 3 | 2 | 1 |
| Total assets | — | 2,215 | 2,103 | 2,812 | 3,749 | 4,405 | 5,527 | 7,382 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | -72 | -105 | 55 | 58 | 49 | 49 | 38 | 18 |
| Cash from investing | -270 | -306 | 88 | -656 | -908 | -585 | -1,045 | -1,522 |
| Cash from financing | 344 | 422 | -150 | 626 | 874 | 536 | 1,016 | 1,682 |
| Net cash flow | 1 | 11 | -7 | 27 | 14 | -0 | 9 | 178 |
| Capital expenditure | -1 | -1 | -1 | -0 | -0 | -0 | -0 | -0 |
| Free cash flow | -74 | -106 | 54 | 57 | 48 | 49 | 37 | 18 |
Insider filings
65 filings between Nov 3, 2025 and Sep 10, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$1.38M
28 sales by 4 insiders
96% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 13
- Award — granted as compensation
- 20
- Tax withheld — shares kept back by the company to cover tax
Also filed: 2 dispositions to the issuer, 2 other filings.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Kelly Roland Thomas | — | $577.3K | Sep 1, 2026 |
| Taylor Jeffrey T. | — | $450.7K | Aug 11, 2026 |
| Szczepaniak Mark R | — | $325.4K | Sep 10, 2026 |
| Tam Fiona | — | $24.7K | Aug 11, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 10, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 2,000 | $36.1K |
| Sep 1, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Sale 10b5-1 plan | 1,600 | $28.8K |
| Aug 11, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Sale 10b5-1 plan | 4,330 | $82.5K |
| Aug 11, 2026 | Tam Fiona Chief Accounting Officer | Sale 10b5-1 plan | 1,232 | $23.4K |
| Aug 10, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 2,000 | $36.3K |
| Aug 6, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 400 | $7.2K |
| Aug 6, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Sale 10b5-1 plan | 1,600 | $28.8K |
| Jul 28, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 400 | $7.2K |
| Jul 7, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Sale 10b5-1 plan | 2,165 | $41.1K |
| Jul 7, 2026 | Tam Fiona Chief Accounting Officer | Sale 10b5-1 plan | 68 | $1.3K |
| Jul 1, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Sale 10b5-1 plan | 1,600 | $29.7K |
| Jun 30, 2026 | Farrar Christopher D. Chief Executive Officer | Other | 1,272 | $23.5K |
| Jun 30, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Other | 858 | $15.8K |
| Jun 26, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 1,573 | $28.4K |
| May 26, 2026 | Pitstick John Director | Disposition to issuer | 3,603 | $61.9K |
| May 26, 2026 | Schaefer Joy L. Director | Disposition to issuer | 3,603 | $61.9K |
| May 21, 2026 | Beckett Dorika M Director | Award | 5,413 | $95.0K |
| May 21, 2026 | Schaefer Joy L. Director | Award | 5,413 | $95.0K |
| May 21, 2026 | Pitstick John Director | Award | 5,413 | $95.0K |
| May 1, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 1,573 | $30.4K |
| Apr 17, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Sale 10b5-1 plan | 2,130 | $42.6K |
| Apr 1, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 1,573 | $28.5K |
| Mar 31, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Sale 10b5-1 plan | 814 | $14.8K |
| Mar 30, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Sale 10b5-1 plan | 14,026 | $252.9K |
| Mar 17, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Sale 10b5-1 plan | 5,160 | $93.2K |
| Mar 2, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 1,573 | $28.8K |
| Feb 2, 2026 | Szczepaniak Mark R Chief Financial Officer | Sale 10b5-1 plan | 1,573 | $32.3K |
| Feb 2, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Sale 10b5-1 plan | 1,772 | $36.0K |
| Jan 28, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Tax withheld | 16,170 | $327.0K |
| Jan 28, 2026 | Farrar Christopher D. Chief Executive Officer | Tax withheld | 64,705 | $1.31M |
| Jan 28, 2026 | Szczepaniak Mark R Chief Financial Officer | Tax withheld | 23,540 | $476.0K |
| Jan 28, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Tax withheld | 18,575 | $375.6K |
| Jan 28, 2026 | Tam Fiona Chief Accounting Officer | Tax withheld | 4,251 | $86.0K |
| Jan 26, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Sale 10b5-1 plan | 1,770 | $35.4K |
| Jan 23, 2026 | Szczepaniak Mark R Chief Financial Officer | Tax withheld | 4,329 | $83.9K |
| Jan 23, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Tax withheld | 4,140 | $80.3K |
| Jan 23, 2026 | Farrar Christopher D. Chief Executive Officer | Tax withheld | 23,171 | $449.3K |
| Jan 23, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Tax withheld | 1,416 | $27.5K |
| Jan 23, 2026 | Tam Fiona Chief Accounting Officer | Tax withheld | 453 | $8.8K |
| Jan 21, 2026 | Tam Fiona Chief Accounting Officer | Tax withheld | 541 | $10.6K |
| Jan 21, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Tax withheld | 1,752 | $34.2K |
| Jan 21, 2026 | Farrar Christopher D. Chief Executive Officer | Tax withheld | 25,681 | $501.5K |
| Jan 21, 2026 | Szczepaniak Mark R Chief Financial Officer | Tax withheld | 3,374 | $65.9K |
| Jan 21, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Tax withheld | 3,430 | $67.0K |
| Jan 15, 2026 | Tam Fiona Chief Accounting Officer | Award | 3,061 | $60.0K |
| Jan 15, 2026 | Tam Fiona Chief Accounting Officer | Award | 3,061 | $60.0K |
| Jan 15, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Award | 14,030 | $275.0K |
| Jan 15, 2026 | Kelly Roland Thomas Chief Legal Officer and GC | Award | 14,030 | $275.0K |
| Jan 15, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Award | 19,132 | $375.0K |
| Jan 15, 2026 | Taylor Jeffrey T. Executive VP, Capital Markets | Award | 19,132 | $375.0K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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