Velocity Financial Q2 2026 net income $25.2M ($0.64 EPS); core EPS $0.71; loan production $672.6M

Velocity Financial, Inc.

Pretax income $35.2M (+3.9% YoY); net income $25.2M (-3.2% YoY) due to higher tax rate.
Core net income $27.9M (+1.4% YoY); core diluted EPS $0.71 vs $0.73 in 2Q25.
Diluted book value per share $18.43, up $2.81 from $15.62 a year ago.
Loan production $672.6M (down 7.3% YoY); unit production up 3.3% but average loan balance fell to $399K.
NPL ratio 9.6% (down from 10.3%); liquidity $240M; completed two securitizations totaling $409.7M.

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