The novel orbits around the vibrant life of Velvet Brown, tracing her journey from start to finish. Her tale encapsulates the core themes of exuberance found in challenges and the bittersweet disappointment that often follows triumph. These themes are elegantly counterbalanced by the gentle satisfaction derived from life's daily rhythms, particularly those woven through family and friendships.

Velvet's Companion and Mentor

Velvet's steadfast companion and mentor, Mi Taylor, possesses a wealth of worldly knowledge, especially about the realm of racing. He is a paragon of humility, thoughtfulness, and kindness. From the outset, Mi exhibits a refreshing lack of prejudice towards Velvet as a rider; he needs no convincing that a woman can match the abilities of a man. His influence mirrors that of his father, who guided Velvet's mother two decades earlier when she swam the daunting English Channel.

The Matriarch of the Brown Household

Araminty, Velvet's mother, stands as a pillar of strength, her immense presence as solid as her unwavering heart. Firm but tender, she sets the guidelines that steer the Brown family. Reliable, patient, and empathetic, she provides the vital funds for Velvet and Mi's venture and, following the Grand National, she ensures Velvet's return home, supporting her through the exhausting spotlight of public attention. Velvet's father, a shadowy figure in the narrative, is gruff and domineering yet repeatedly yields to his wife's pragmatic judgments. Despite his frequent scolding, he harbors a soft spot for Velvet, favoring her above her siblings.

Velvet's Siblings

Velvet's sisters—Edwina, Malvolia, and Meredith—are aged seventeen, sixteen, and fifteen, respectively. Edwina is a whirlwind of romance, fanciful dreams, and self-interest. Malvolia, ever pragmatic, is clear-headed and direct. Meredith, with a nurturing nature, adores animals, sharing an affinity for birds akin to Velvet’s passion for horses. Velvet's younger brother, Donald, the most entertaining character in National Velvet, infuses every scene with his presence with humor and vibrancy.

Vivid Minor Characters

Characters fleetingly encountered—be it at the doorstep, in a cab, on bustling streets, or trackside—are brought to life with succinct descriptions or pointed remarks. In the final chapter, members of the National Hunt Committee Board assemble to interrogate Velvet and Mi, a scene reminiscent of a brief theatrical play, where each participant's true essence is revealed through their remarks and reactions. Velvet and Mi's portrayal is marked by authenticity, honor, and a genuine passion for racing that transcends the pursuit of fame or fortune.

Characterful Animals

The story extends personality even to its animal figures. Miss Ada, the family horse, and Jacob, the loyal family dog, express themselves in their own unique manner. "The Pie," the spirited piebald horse, exudes a distinct individuality, blurring the lines between beast and human with his vibrant presence.