Skip to main content
logo
Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
18.15
-0.02 (-0.11%)
Aug 20, 2026, 9:43 AM EDT - Market open

Velocity Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
107.7105.0568.4252.2732.2129.22
Depreciation & Amortization
1.732.0222.32.122.41
Other Amortization
11.6610.1312.2418.6228.2920.22
Gain on Sale of Loans & Receivables
-15.79-16.813.183.993.31-0.27
Asset Writedown & Restructuring Costs
20.1517.526.123.90.361.76
Provision for Credit Losses
-73.61-111.21-54.13-45.21-7.29-0.4
Stock-Based Compensation
10.068.286.164.133.342.16
Net Decrease (Increase) in Loans Originated / Sold - Operating
-1.511.220.4-12.220.91.17
Change in Accounts Payable
18.4619.5626.2819.66-2.5616.45
Change in Other Net Operating Assets
3.75-3.65-0.288.36-8.04-0.36
Other Operating Activities
-41.24.7-21.982.836.39-11.07
Operating Cash Flow
22.7918.1637.7648.8448.6757.62
Operating Cash Flow Growth
-15.28%-51.90%-22.69%0.33%-15.53%4.97%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-0.26-0.28-0.29-0.18-0.33-0.14
Sale of Property, Plant & Equipment
--0.64---
Cash Acquisitions
------10.76
Sale (Purchase) of Intangibles
---4.76---
Investment in Securities
-----1.18
Net Decrease (Increase) in Loans Originated / Sold - Investing
-1,299-1,575-1,072-615.51-929.07-665.42
Other Investing Activities
1.02-1.16-2.069.210.919.2
Investing Cash Flow
-1,230-1,522-1,045-584.73-908.24-656.48

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
-5,2853,6112,1683,2722,369
Long-Term Debt Repaid
--3,645-2,599-1,630-2,373-1,715
Net Debt Issued (Repaid)
1,3671,6401,012537.67899.46653.62
Issuance of Common Stock
12.5251.8810.152.310.610.14
Repurchase of Common Stock
-7.46-7.34-1.55-0.86-0.46-
Other Financing Activities
-16.5-2.06-4.29-3.34-25.59-27.58
Financing Cash Flow
1,3561,6821,016535.77874.02626.17

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
148.01178.418.9-0.1314.4527.31

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
22.5317.8837.4748.6648.3557.49
Free Cash Flow Growth
-15.24%-52.28%-23.00%0.64%-15.90%6.13%
Free Cash Flow Margin
7.93%7.92%21.09%39.65%51.25%67.03%
Free Cash Flow Per Share
0.580.471.051.411.421.69

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
383.98344.88251.26180.36118.7185.02
Cash Income Tax Paid
44.7550.7441.557.6523.049.65
SEC Filings: 10-K · 10-Q