Velocity Financial Q4 net income up 69% YoY to $34.8M; diluted EPS $0.89

Velocity Financial, Inc.

Net income $34.8M, up 69% from $20.6M in 4Q24; diluted EPS $0.89 vs $0.57.
Core net income $36.3M, up 67% from $21.8M; core diluted EPS $0.93 vs $0.60.
Diluted book value per share $17.19, up 20.5% from $14.26 at Dec 2024.
Loan production $634.6M, up 12.6% YoY; NPL ratio improved to 8.5% from 10.7%.
Completed two securitizations totaling $646.3M; liquidity $116.8M.

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