Velocity Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	104.98	68.47	52.29	32.52	29.22
Depreciation & Amortization	2.02	2	2.3	2.12	2.41
Provision for Credit Losses	5.81	1.17	1.92	1.15	-0.29
Stock-Based Compensation	8.28	6.16	4.13	3.34	2.16
Net Change in Loans Held-for-Sale	1.22	0.4	-12.22	0.9	7.69
Other Adjustments	-64.16	-60.06	-18.38	26.67	12.63
Changes in Accrued Interest and Accounts Receivable	-17.22	-6.37	-9.23	-7.42	-3.29
Changes in Accounts Payable	19.56	26.28	19.66	-2.56	16.45
Changes in Other Operating Activities	-3.65	-0.28	8.36	-8.04	-0.36
Operating Cash Flow	18.16	37.76	48.84	48.67	57.62
Operating Cash Flow Growth	-51.90%	-22.69%	0.33%	-15.53%	4.97%
Net Change in Loans Held-for-Investment	-1,573	-1,061	-612.47	-923.66	-659.99
Net Change in Securities and Investments	-	-	-	-	1.18
Payments for Business Acquisitions	-	-	-	-	-10.76
Capital Expenditures	-0.28	-0.29	-0.18	-0.33	-0.14
Purchases of Intangible Assets	-	-4.76	-	-	-
Sale of Property, Plant & Equipment	-	0.64	-	-	-
Other Investing Activities	51.57	20.41	27.92	15.74	13.22
Investing Cash Flow	-1,522	-1,045	-584.73	-908.24	-656.48
Short-Term Debt Issued	2,634	1,947	1,193	1,687	1,216
Short-Term Debt Repaid	-2,673	-1,933	-1,192	-1,658	-989.37
Net Short-Term Debt Issued (Repaid)	-39.61	13.7	1.36	28.94	226.6
Long-Term Debt Issued	2,651	1,665	975.07	1,585	1,153
Long-Term Debt Repaid	-971.75	-666.27	-438.76	-714.46	-725.66
Net Long-Term Debt Issued (Repaid)	1,679	998.23	536.31	870.52	427.02
Issuance of Common Stock	51.88	10.15	2.31	0.61	0.61
Repurchase of Common Stock	-7.34	-1.55	-0.86	-0.46	-
Net Common Stock Issued (Repurchased)	44.54	8.6	1.44	0.15	0.61
Other Financing Activities	-2.06	-4.29	-3.34	-25.59	-26.89
Financing Cash Flow	1,682	1,016	535.77	874.02	626.17
Net Cash Flow	178.41	8.9	-0.13	14.45	27.31
Free Cash Flow	17.88	37.47	48.66	48.35	57.49
Free Cash Flow Growth	-52.28%	-23.00%	0.64%	-15.90%	6.13%
FCF Margin	5.20%	15.87%	28.33%	45.48%	66.80%
Free Cash Flow Per Share	0.47	1.05	1.41	1.42	1.69
Levered Free Cash Flow	1,744	1,101	610.1	914.95	689.34
Unlevered Free Cash Flow	0.43	21.33	20.92	-16.23	15.08

Updated Mar 11, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q