Velocity Financial Inc (VEL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 03-2026 | 12-2025 | 09-2025 | 06-2025 | 03-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 22,299 | 104,983 | 70,230 | 44,818 | 18,648 |
| Depreciation Amortization | 4,357 | 12,148 | 8,935 | 6,288 | 3,501 |
| Income taxes - deferred | 4,079 | -8,134 | -2,160 | 2,096 | 2,963 |
| Other Working Capital | -21,141 | -69,188 | -48,644 | -39,582 | -17,427 |
| Other Operating Activity | 2,492 | -21,648 | -5,711 | -2,422 | -4,149 |
| Operating Cash Flow | $12,086 | $18,161 | $22,650 | $11,198 | $3,536 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -370,343 | -1,573,069 | -1,304,053 | -865,762 | -407,215 |
| PPE Investments | 18,130 | 54,015 | 34,076 | 22,360 | 7,920 |
| Other Investing Activity | 841 | -2,728 | -1,708 | 791 | -2,118 |
| Investing Cash Flow | $-351,372 | $-1,521,782 | $-1,271,685 | $-842,611 | $-401,413 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 1,388,129 | 5,284,710 | 4,078,237 | 2,816,581 | 1,235,209 |
| Debt Repayment | -1,166,396 | -3,645,162 | -2,824,096 | -1,992,189 | -860,059 |
| Common Stock Issued | N/A | 51,877 | 50,839 | 42,004 | 28,797 |
| Common Stock Repurchased | -4,537 | -7,335 | -7,334 | -7,155 | -2,162 |
| Other Financing Activity | -15,097 | -2,062 | -1,631 | -1,469 | -277 |
| Financing Cash Flow | $202,099 | $1,682,028 | $1,296,015 | $857,772 | $401,508 |
| Beginning Cash Position | 249,237 | 70,830 | 70,830 | 70,830 | 70,830 |
| End Cash Position | 112,050 | 249,237 | 117,810 | 97,189 | 74,461 |
| Net Cash Flow | $-137,187 | $178,407 | $46,980 | $26,359 | $3,631 |
| Free Cash Flow | |||||
| Operating Cash Flow | 12,086 | 18,161 | 22,650 | 11,198 | 3,536 |
| Capital Expenditure | -340 | -1,566 | -323 | -177 | -99 |
| Free Cash Flow | 11,746 | 16,595 | 22,327 | 11,021 | 3,437 |