Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
18.16
+0.26 (1.45%)
Mar 10, 2026, 4:00 PM EDT - Market closed
Velocity Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Net Income | 91.04 | 68.47 | 52.29 | 32.52 | 29.22 | 17.78 |
Depreciation & Amortization | 1.57 | 2 | 2.3 | 2.12 | 2.41 | 2.45 |
Provision for Credit Losses | 3.87 | 1.17 | 1.92 | 1.15 | -0.29 | 5.07 |
Stock-Based Compensation | 7.8 | 6.16 | 4.13 | 3.34 | 2.16 | 0.97 |
Net Change in Loans Held-for-Sale | -5.05 | 0.4 | -12.22 | 0.9 | 7.69 | 2.98 |
Other Adjustments | -78.14 | -60.06 | -18.38 | 26.67 | 12.63 | 16.07 |
Changes in Accrued Interest and Accounts Receivable | -16.84 | -6.37 | -9.23 | -7.42 | -3.29 | -5.6 |
Changes in Accounts Payable | 29.05 | 26.28 | 19.66 | -2.56 | 16.45 | 11.06 |
Changes in Other Operating Activities | -0.9 | -0.28 | 8.36 | -8.04 | -0.36 | 4.14 |
Operating Cash Flow | 55.92 | 37.76 | 48.84 | 48.67 | 57.62 | 54.89 |
Operating Cash Flow Growth | 82.51% | -22.69% | 0.33% | -15.53% | 4.97% | - |
Net Change in Loans Held-for-Investment | -1,665 | -1,061 | -612.47 | -923.66 | -659.99 | 94.39 |
Net Change in Securities and Investments | - | - | - | - | 1.18 | - |
Payments for Business Acquisitions | - | - | - | - | -10.76 | - |
Capital Expenditures | -0.32 | -0.29 | -0.18 | -0.33 | -0.14 | -0.73 |
Purchases of Intangible Assets | 0 | -4.76 | - | - | - | - |
Sale of Property, Plant & Equipment | - | 0.64 | - | - | - | - |
Other Investing Activities | 38.28 | 20.41 | 27.92 | 15.74 | 13.22 | -5.93 |
Investing Cash Flow | -1,628 | -1,045 | -584.73 | -908.24 | -656.48 | 87.74 |
Short-Term Debt Issued | 2,653 | 1,947 | 1,193 | 1,687 | 1,216 | 420.2 |
Short-Term Debt Repaid | -2,754 | -1,933 | -1,192 | -1,658 | -989.37 | -766.68 |
Net Short-Term Debt Issued (Repaid) | -101.01 | 13.7 | 1.36 | 28.94 | 226.6 | -346.48 |
Long-Term Debt Issued | 2,591 | 1,665 | 975.07 | 1,585 | 1,153 | 536.69 |
Long-Term Debt Repaid | -916.97 | -666.27 | -438.76 | -714.46 | -725.66 | -473.32 |
Net Long-Term Debt Issued (Repaid) | 1,674 | 998.23 | 536.31 | 870.52 | 427.02 | 63.36 |
Issuance of Common Stock | 53.69 | 10.15 | 2.31 | 0.61 | 0.61 | 102.96 |
Repurchase of Common Stock | -5.92 | -1.55 | -0.86 | -0.46 | - | - |
Net Common Stock Issued (Repurchased) | 47.77 | 8.6 | 1.44 | 0.15 | 0.61 | 102.96 |
Issuance of Preferred Stock | - | - | - | - | - | 41.04 |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | - | 41.04 |
Other Financing Activities | -2.69 | -4.29 | -3.34 | -25.59 | -26.89 | -10.77 |
Financing Cash Flow | 1,622 | 1,016 | 535.77 | 874.02 | 626.17 | -149.89 |
Net Cash Flow | 50.55 | 8.9 | -0.13 | 14.45 | 27.31 | -7.26 |
Free Cash Flow | 55.6 | 37.47 | 48.66 | 48.35 | 57.49 | 54.17 |
Free Cash Flow Growth | 48.40% | -23.00% | 0.64% | -15.90% | 6.13% | - |
FCF Margin | 18.78% | 15.87% | 28.33% | 45.48% | 66.80% | 78.85% |
Free Cash Flow Per Share | 1.49 | 1.05 | 1.41 | 1.42 | 1.69 | 2.70 |
Levered Free Cash Flow | 1,675 | 1,101 | 610.1 | 914.95 | 689.34 | -302.99 |
Unlevered Free Cash Flow | 12.56 | 21.33 | 20.92 | -16.23 | 15.08 | 11.31 |
Updated Nov 7, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.