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Velocity Financial, Inc. (VEL)
NYSE: VEL · Real-Time Price · USD
15.98
-0.13 (-0.81%)
Nov 13, 2026, 4:00 PM EST - Market closed

Velocity Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
108.74105.0568.4252.2732.2129.22
Depreciation & Amortization
1.82.0222.32.122.41
Other Amortization
12.0410.1312.2418.6228.2920.22
Gain on Sale of Loans & Receivables
-24-16.813.183.993.31-0.27
Asset Writedown & Restructuring Costs
22.5417.526.123.90.361.76
Provision for Credit Losses
22.39-111.21-54.13-45.21-7.29-0.4
Stock-Based Compensation
10.598.286.164.133.342.16
Net Decrease (Increase) in Loans Originated / Sold - Operating
-22.131.220.4-12.220.91.17
Change in Accounts Payable
11.0919.5626.2819.66-2.5616.45
Change in Other Net Operating Assets
-3.32-3.65-0.288.36-8.04-0.36
Other Operating Activities
-127.034.7-21.982.836.39-11.07
Operating Cash Flow
-0.8918.1637.7648.8448.6757.62
Operating Cash Flow Growth
--51.90%-22.69%0.33%-15.53%4.97%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '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
-1,332-1,575-1,072-615.51-929.07-665.42
Other Investing Activities
-0.9-1.16-2.069.210.919.2
Investing Cash Flow
-1,264-1,522-1,045-584.73-908.24-656.48

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '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)
1,2771,6401,012537.67899.46653.62
Issuance of Common Stock
3.6851.8810.152.310.610.14
Repurchase of Common Stock
-7.64-7.34-1.55-0.86-0.46-
Other Financing Activities
-16.38-2.06-4.29-3.34-25.59-27.58
Financing Cash Flow
1,2571,6821,016535.77874.02626.17

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
-8.53178.418.9-0.1314.4527.31

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
-1.1517.8837.4748.6648.3557.49
Free Cash Flow Growth
--52.28%-23.00%0.64%-15.90%6.13%
Free Cash Flow Margin
-0.29%7.92%21.09%39.65%51.25%67.03%
Free Cash Flow Per Share
-0.030.471.051.411.421.69

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
415.75344.88251.26180.36118.7185.02
Cash Income Tax Paid
47.6650.7441.557.6523.049.65
SEC Filings: 10-K · 10-Q