Velocity Financial Retained Earnings 2011-2025 | VEL

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings Velocity Financial

2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
129 M	76.6 M	44.4 M	15.2 M	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
129 M	15.2 M	66.3 M

Quarterly Retained Earnings Velocity Financial

2025-Q1	2024-Q4	2024-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
216 M	197 M	-	-	-	-	47.5 M	44.4 M	36.1 M	28 M	18.6 M	15.2 M	15.2 M	15.2 M	15.2 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
216 M	15.2 M	59 M

Retained Earnings of other stocks in the Mortgage finance industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Altisource Portfolio Solutions S.A. ASPS	-260 M	$ 6.25	-5.16 %	$ 178 M	Luxembourg
CNFinance Holdings Limited CNF	3.14 B	$ 5.98	-0.33 %	$ 8.2 B	-
Mr. Cooper Group COOP	4.97 B	-	-	$ 13.6 B	USA
Hercules Capital, Inc. HTGC	-12.2 M	$ 18.7	-0.69 %	$ 2.09 B	USA
Ellington Financial EFC	-375 M	$ 13.68	0.15 %	$ 1.2 B	USA
Encore Capital Group ECPG	910 M	$ 53.66	-0.09 %	$ 1.28 B	USA
Guild Holdings Company GHLD	1.2 B	$ 20.01	-	$ 1.23 B	USA
Impac Mortgage Holdings IMH	-1.29 B	-	-2.22 %	$ 8.37 M	USA
Income Opportunity Realty Investors IOR	57 M	$ 18.65	-	$ 77.6 M	USA
Monroe Capital Corporation MRCC	-39.5 M	$ 6.47	-2.93 %	$ 134 M	USA
loanDepot LDI	-452 M	$ 2.5	-4.22 %	$ 437 M	USA
Essent Group Ltd. ESNT	3.49 B	$ 65.22	1.34 %	$ 6.99 B	Bermuda
Ocwen Financial Corporation OCN	-118 M	-	-0.75 %	$ 192 M	USA
PennyMac Financial Services PFSI	3.77 B	$ 130.0	-0.31 %	$ 6.63 B	USA
LendingTree TREE	-572 M	$ 50.71	-6.2 %	$ 669 M	USA
Rocket Companies RKT	313 M	$ 18.15	-2.99 %	$ 2.56 B	USA
Walker & Dunlop WD	1.32 B	$ 62.16	-0.69 %	$ 2.06 B	USA