# Velocity Financial, Inc. (VEL) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Velocity Financial, Inc. (VEL) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: VEL +15.28%, SPY +88.08%. Regime VEL CRISIS · SPY BULL. As of Oct 12, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/VEL/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=VEL%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| VEL | +15.28% | -42.12% | -25.49% |
| SPY | +88.08% | -24.49% | +14.79% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| VEL | -19.69% | -25.52% | +30.35% | +15.28% |
| SPY | +18.62% | +36.24% | +86.06% | +88.08% |

## Annual

| Year | VEL | SPY |
|---|---:|---:|
| YTD | -25.49% | +14.79% |
| 2025 | +8.58% | +18.01% |
| 2024 | +20.22% | +25.59% |
| 2023 | +81.26% | +26.73% |
| 2022 | -28.94% | -18.64% |
| 2021 | +8.47% | +7.72% |

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Research context only. Not personalized investment advice.