Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
17.48
-0.24 (-1.38%)
Jul 30, 2026, 11:53 AM EDT - Market open
Velocity Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 108.63 | 104.98 | 68.47 | 52.29 | 32.52 | 29.22 |
Depreciation & Amortization | 1.73 | 2.02 | 2 | 2.3 | 2.12 | 2.41 |
Provision for Credit Losses | 5.59 | 5.81 | 1.17 | 1.92 | 1.15 | -0.29 |
Stock-Based Compensation | 9.01 | 8.28 | 6.16 | 4.13 | 3.34 | 2.16 |
Net Change in Loans Held-for-Sale | 6.15 | 1.22 | 0.4 | -12.22 | 0.9 | 7.69 |
Other Adjustments | -85.04 | -64.16 | -60.06 | -18.38 | 26.67 | 12.63 |
Changes in Accrued Interest and Accounts Receivable | -15.3 | -17.22 | -6.37 | -9.23 | -7.42 | -3.29 |
Changes in Accounts Payable | 16.46 | 19.56 | 26.28 | 19.66 | -2.56 | 16.45 |
Changes in Other Operating Activities | -0.45 | -3.65 | -0.28 | 8.36 | -8.04 | -0.36 |
Operating Cash Flow | 26.71 | 18.16 | 37.76 | 48.84 | 48.67 | 57.62 |
Operating Cash Flow Growth | -13.02% | -51.90% | -22.69% | 0.33% | -15.53% | 4.97% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Loans Held-for-Investment | -1,665 | -1,573 | -1,061 | -612.47 | -923.66 | -659.99 |
Net Change in Securities and Investments | - | - | - | - | - | 1.18 |
Cash Acquisitions | - | - | - | - | - | -10.76 |
Capital Expenditures | -0.24 | -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 | 65.89 | 51.57 | 20.41 | 27.92 | 15.74 | 13.22 |
Investing Cash Flow | -1,472 | -1,522 | -1,045 | -584.73 | -908.24 | -656.48 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Short-Term Debt Issued | 2,189 | 2,634 | 1,947 | 1,193 | 1,687 | 1,216 |
Short-Term Debt Repaid | -2,661 | -2,673 | -1,933 | -1,192 | -1,658 | -989.37 |
Net Short-Term Debt Issued (Repaid) | -472.48 | -39.61 | 13.7 | 1.36 | 28.94 | 226.6 |
Long-Term Debt Issued | 3,249 | 2,651 | 1,665 | 975.07 | 1,585 | 1,153 |
Long-Term Debt Repaid | -1,290 | -971.75 | -666.27 | -438.76 | -714.46 | -725.66 |
Net Long-Term Debt Issued (Repaid) | 1,959 | 1,679 | 998.23 | 536.31 | 870.52 | 427.02 |
Issuance of Common Stock | 12.17 | 51.88 | 10.15 | 2.31 | 0.61 | 0.61 |
Repurchase of Common Stock | -9.71 | -7.34 | -1.55 | -0.86 | -0.46 | - |
Net Common Stock Issued (Repurchased) | 2.46 | 44.54 | 8.6 | 1.44 | 0.15 | 0.61 |
Other Financing Activities | -16.88 | -2.06 | -4.29 | -3.34 | -25.59 | -26.89 |
Financing Cash Flow | 1,483 | 1,682 | 1,016 | 535.77 | 874.02 | 626.17 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Cash Flow | 37.59 | 178.41 | 8.9 | -0.13 | 14.45 | 27.31 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Free Cash Flow | 26.47 | 17.88 | 37.47 | 48.66 | 48.35 | 57.49 |
Free Cash Flow Growth | -12.88% | -52.28% | -23.00% | 0.64% | -15.90% | 6.13% |
FCF Margin | 8.32% | 5.20% | 15.87% | 28.33% | 45.48% | 66.80% |
Free Cash Flow Per Share | 0.68 | 0.47 | 1.05 | 1.41 | 1.42 | 1.69 |