Short answer
Velocity Financial, Inc. (VEL) filed its Q2 2026 10-Q quarterly report on Aug 6, 2026 for the quarter ended Jun 30, 2026.
Q2 2026 key financials · XBRL
- Net income
- $25M
- −3.2% YoY · +12.5% QoQ
- EPS (diluted)
- $0.64
- −7.2% YoY · +12.3% QoQ
Source: XBRL data from the Velocity Financial, Inc. (VEL) Q2 2026 10-Q on SEC EDGAR. USD.
Velocity Financial, Inc. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Portfolio-related net interest margin 3.66% vs 3.82% YoY
- Investor loan originations $672.6M vs $725.4M YoY
- Portfolio $7.0B UPB, up from $5.9B YoY
- $500.0M 9.375% senior notes issued; $215.0M secured debt repaid
Risk Factors
- New acquisition risk: potential mergers, investments, or joint ventures may require financing, approvals, and integration resources
- Retained-interest valuation risk: fair values depend on prepayment, default, loss-severity, discount-rate, and cash-flow assumptions
- Regulatory risk: securitization risk-retention requirements could increase on-balance-sheet credit exposure
- Credit risk: higher delinquencies, defaults, or loss severities could eliminate retained-interest value and delay distributions
- Liquidity risk: weaker investor demand, higher rates, or wider credit spreads could reduce retained-interest monetization возможности
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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