Velocity Financial Inc
NYSE:VEL
Velocity Financial Inc
NYSE:VEL
Price:
18.49
USD
-0.54%
Market Closed
Market Cap:
$719.3m
Cash Flow Statement
Cash Flow Statement
Velocity Financial Inc
Velocity Financial Inc
Currency: USD
| Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ||||||||||||||||||||||||||||
| Net Income |
15
|
14
|
14
|
17
|
15
|
14
|
13
|
18
|
19
|
26
|
30
|
29
|
29
|
30
|
33
|
33
|
40
|
41
|
43
|
52
|
59
|
61
|
65
|
68
|
70
|
81
|
91
|
|
| Depreciation & Amortization |
2
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
2
|
1
|
1
|
1
|
(1)
|
|
| Change in Deffered Taxes |
(4)
|
(5)
|
(6)
|
(8)
|
(8)
|
(2)
|
2
|
2
|
1
|
(8)
|
(15)
|
(10)
|
(7)
|
(2)
|
13
|
12
|
14
|
13
|
4
|
3
|
1
|
0
|
(13)
|
(11)
|
(9)
|
(10)
|
(2)
|
|
| Stock-Based Compensation |
0
|
0
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
2
|
2
|
2
|
2
|
3
|
3
|
3
|
4
|
4
|
4
|
4
|
5
|
5
|
5
|
6
|
7
|
7
|
8
|
|
| Other Non-Cash Items |
10
|
10
|
12
|
14
|
20
|
22
|
24
|
24
|
24
|
22
|
21
|
24
|
29
|
28
|
26
|
18
|
5
|
(0)
|
(9)
|
(15)
|
(26)
|
(30)
|
(38)
|
(43)
|
(47)
|
(64)
|
(64)
|
|
| Cash Taxes Paid |
14
|
19
|
19
|
15
|
15
|
3
|
4
|
1
|
1
|
6
|
5
|
10
|
10
|
27
|
25
|
23
|
23
|
1
|
3
|
8
|
7
|
24
|
27
|
42
|
42
|
44
|
46
|
|
| Cash Interest Paid |
83
|
77
|
84
|
86
|
92
|
89
|
88
|
85
|
85
|
85
|
86
|
85
|
91
|
92
|
106
|
119
|
136
|
152
|
168
|
180
|
195
|
213
|
230
|
251
|
271
|
294
|
318
|
|
| Change in Working Capital |
(55)
|
(47)
|
(150)
|
(131)
|
(172)
|
(126)
|
(32)
|
10
|
20
|
11
|
19
|
14
|
8
|
(7)
|
(46)
|
(14)
|
(35)
|
13
|
24
|
8
|
37
|
6
|
14
|
23
|
16
|
18
|
32
|
|
| Cash from Operating Activities |
(33)
N/A
|
(27)
+19%
|
(129)
-383%
|
(105)
+18%
|
(144)
-36%
|
(91)
+37%
|
9
N/A
|
55
+496%
|
64
+16%
|
52
-19%
|
57
+10%
|
58
+1%
|
59
+2%
|
50
-16%
|
27
-46%
|
49
+82%
|
25
-49%
|
68
+173%
|
63
-8%
|
49
-22%
|
71
+46%
|
38
-46%
|
31
-20%
|
38
+23%
|
31
-19%
|
27
-12%
|
56
+108%
|
|
| Investing Cash Flow | ||||||||||||||||||||||||||||
| Capital Expenditures |
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(0)
|
(0)
|
(0)
|
(3)
|
(3)
|
(3)
|
(3)
|
(0)
|
(0)
|
(0)
|
(0)
|
(4)
|
(5)
|
(5)
|
(5)
|
(2)
|
(0)
|
|
| Other Items |
(320)
|
(278)
|
(288)
|
(304)
|
(304)
|
(173)
|
(12)
|
89
|
87
|
(54)
|
(301)
|
(656)
|
(896)
|
(1 022)
|
(1 157)
|
(906)
|
(684)
|
(613)
|
(450)
|
(585)
|
(725)
|
(778)
|
(908)
|
(1 040)
|
(1 229)
|
(1 477)
|
(1 627)
|
|
| Cash from Investing Activities |
(322)
N/A
|
(280)
+13%
|
(290)
-4%
|
(306)
-6%
|
(306)
0%
|
(175)
+43%
|
(14)
+92%
|
88
N/A
|
86
-2%
|
(55)
N/A
|
(302)
-453%
|
(656)
-117%
|
(896)
-37%
|
(1 025)
-14%
|
(1 159)
-13%
|
(908)
+22%
|
(686)
+24%
|
(613)
+11%
|
(450)
+27%
|
(585)
-30%
|
(726)
-24%
|
(781)
-8%
|
(913)
-17%
|
(1 045)
-14%
|
(1 234)
-18%
|
(1 478)
-20%
|
(1 628)
-10%
|
|
| Financing Cash Flow | ||||||||||||||||||||||||||||
| Net Issuance of Common Stock |
0
|
0
|
(28)
|
(28)
|
73
|
116
|
144
|
144
|
0
|
0
|
0
|
0
|
(0)
|
(0)
|
(0)
|
0
|
(0)
|
1
|
1
|
1
|
1
|
2
|
1
|
10
|
40
|
45
|
53
|
|
| Net Issuance of Debt |
369
|
318
|
443
|
468
|
390
|
172
|
(111)
|
(283)
|
(162)
|
40
|
282
|
654
|
885
|
1 027
|
1 160
|
899
|
686
|
548
|
397
|
538
|
662
|
775
|
906
|
1 012
|
1 185
|
1 429
|
1 573
|
|
| Other |
(11)
|
(9)
|
(20)
|
(18)
|
(20)
|
(22)
|
(14)
|
(11)
|
(16)
|
(19)
|
(20)
|
(28)
|
(27)
|
(32)
|
(31)
|
(26)
|
(16)
|
(8)
|
(5)
|
(3)
|
(6)
|
(4)
|
(4)
|
(6)
|
(6)
|
(5)
|
(4)
|
|
| Cash from Financing Activities |
358
N/A
|
309
-14%
|
396
+28%
|
422
+7%
|
443
+5%
|
267
-40%
|
19
-93%
|
(150)
N/A
|
(135)
+10%
|
22
N/A
|
263
+1 112%
|
626
+138%
|
858
+37%
|
995
+16%
|
1 128
+13%
|
874
-23%
|
670
-23%
|
540
-19%
|
393
-27%
|
536
+36%
|
657
+23%
|
772
+17%
|
902
+17%
|
1 016
+13%
|
1 219
+20%
|
1 469
+21%
|
1 622
+10%
|
|
| Change in Cash | ||||||||||||||||||||||||||||
| Net Change in Cash |
3
N/A
|
3
-16%
|
(23)
N/A
|
11
N/A
|
(7)
N/A
|
1
N/A
|
15
+1 589%
|
(7)
N/A
|
15
N/A
|
19
+27%
|
18
-6%
|
27
+51%
|
20
-26%
|
20
-2%
|
(4)
N/A
|
14
N/A
|
9
-41%
|
(5)
N/A
|
6
N/A
|
(0)
N/A
|
3
N/A
|
29
+857%
|
20
-30%
|
9
-56%
|
15
+73%
|
18
+14%
|
51
+188%
|
|
| Free Cash Flow | ||||||||||||||||||||||||||||
| Free Cash Flow |
(35)
N/A
|
(28)
+19%
|
(131)
-360%
|
(107)
+18%
|
(146)
-36%
|
(93)
+36%
|
7
N/A
|
53
+622%
|
63
+18%
|
51
-19%
|
57
+10%
|
57
+1%
|
59
+2%
|
47
-20%
|
24
-49%
|
46
+92%
|
22
-52%
|
68
+204%
|
63
-8%
|
49
-22%
|
71
+46%
|
35
-51%
|
26
-26%
|
33
+28%
|
26
-22%
|
25
-1%
|
56
+119%
|
|
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