Velocity prelim Q4 net income at least $35M (+70%), EPS $0.90; issues $500M notes

Velocity Financial, Inc.

2025-FY EPS reported $2.75

Preliminary Q4 net income at least $35M (+70% YoY); diluted EPS at least $0.90 (+56%).
FY 2025 net income at least $105M (+53%); originations $2.7B (+48%); portfolio UPB $6.5B (+28%).
Nonperforming loans improved to 8.5-8.6% of UPB (FY24:10.7%).
Announced $500M senior notes due 2031; proceeds to redeem $222.7M of 7.125% notes due 2027.
Up to $75M of note proceeds earmarked for a potential business acquisition.

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