Velocity Financial Inc (VEL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 06-2026 | 03-2026 | 12-2025 | 09-2025 | 06-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 48,033 | 22,299 | 104,983 | 70,230 | 44,818 |
| Depreciation Amortization | 7,535 | 4,357 | 12,148 | 8,935 | 6,288 |
| Income taxes - deferred | 2,482 | 4,079 | -8,134 | -2,160 | 2,096 |
| Other Working Capital | -43,798 | -21,141 | -69,188 | -48,644 | -39,582 |
| Other Operating Activity | 1,575 | 2,492 | -21,648 | -5,711 | -2,422 |
| Operating Cash Flow | $15,827 | $12,086 | $18,161 | $22,650 | $11,198 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -594,180 | -370,343 | -1,573,069 | -1,304,053 | -865,762 |
| PPE Investments | 35,768 | 18,130 | 54,015 | 34,076 | 22,360 |
| Other Investing Activity | 7,110 | 841 | -2,728 | -1,708 | 791 |
| Investing Cash Flow | $-551,302 | $-351,372 | $-1,521,782 | $-1,271,685 | $-842,611 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 2,470,566 | 1,388,129 | 5,284,710 | 4,078,237 | 2,816,581 |
| Debt Repayment | -1,918,586 | -1,166,396 | -3,645,162 | -2,824,096 | -1,992,189 |
| Common Stock Issued | 2,646 | N/A | 51,877 | 50,839 | 42,004 |
| Common Stock Repurchased | -7,279 | -4,537 | -7,335 | -7,334 | -7,155 |
| Other Financing Activity | -15,906 | -15,097 | -2,062 | -1,631 | -1,469 |
| Financing Cash Flow | $531,441 | $202,099 | $1,682,028 | $1,296,015 | $857,772 |
| Beginning Cash Position | 249,237 | 249,237 | 70,830 | 70,830 | 70,830 |
| End Cash Position | 245,203 | 112,050 | 249,237 | 117,810 | 97,189 |
| Net Cash Flow | $-4,034 | $-137,187 | $178,407 | $46,980 | $26,359 |
| Free Cash Flow | |||||
| Operating Cash Flow | 15,827 | 12,086 | 18,161 | 22,650 | 11,198 |
| Capital Expenditure | -729 | -340 | -1,566 | -323 | -177 |
| Free Cash Flow | 15,098 | 11,746 | 16,595 | 22,327 | 11,021 |