{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-104483","form_type":"8-K","ticker":"VEL","cik":"0001692376","company_name":"Velocity Financial, Inc.","filed_at":"2026-03-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.908741+00:00","generated_at":"2026-05-15T12:37:27.554414+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Velocity Financial Q4 net income up 69% YoY to $34.8M; diluted EPS $0.89","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-104483","json":"https://secwatch.observer/filing/0001193125-26-104483.json","markdown":"https://secwatch.observer/filing/0001193125-26-104483.md","text":"https://secwatch.observer/filing/0001193125-26-104483.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1692376/000119312526104483/0001193125-26-104483-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1692376/000119312526104483/d104077d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T12:37:27.554414+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}