Velocity Financial Inc (VEL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 09-2025 | 06-2025 | 03-2025 | 12-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 104,983 | 70,230 | 44,818 | 18,648 | 68,466 |
| Depreciation Amortization | 12,148 | 8,935 | 6,288 | 3,501 | 14,244 |
| Income taxes - deferred | -8,134 | -2,160 | 2,096 | 2,963 | -11,431 |
| Other Working Capital | -69,188 | -48,644 | -39,582 | -17,427 | -33,070 |
| Other Operating Activity | -21,648 | -5,711 | -2,422 | -4,149 | -454 |
| Operating Cash Flow | $18,161 | $22,650 | $11,198 | $3,536 | $37,755 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -1,573,069 | -1,304,053 | -865,762 | -407,215 | -1,061,080 |
| PPE Investments | 54,015 | 34,076 | 22,360 | 7,920 | 33,330 |
| Purchase Sale Intangibles | N/A | N/A | N/A | N/A | -4,759 |
| Other Investing Activity | -2,728 | -1,708 | 791 | -2,118 | -17,332 |
| Investing Cash Flow | $-1,521,782 | $-1,271,685 | $-842,611 | $-401,413 | $-1,045,082 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 5,284,710 | 4,078,237 | 2,816,581 | 1,235,209 | 3,536,994 |
| Debt Repayment | -3,645,162 | -2,824,096 | -1,992,189 | -860,059 | -2,525,065 |
| Common Stock Issued | 51,877 | 50,839 | 42,004 | 28,797 | 10,145 |
| Common Stock Repurchased | -7,335 | -7,334 | -7,155 | -2,162 | -1,550 |
| Other Financing Activity | -2,062 | -1,631 | -1,469 | -277 | -4,294 |
| Financing Cash Flow | $1,682,028 | $1,296,015 | $857,772 | $401,508 | $1,016,230 |
| Beginning Cash Position | 70,830 | 70,830 | 70,830 | 70,830 | 61,927 |
| End Cash Position | 249,237 | 117,810 | 97,189 | 74,461 | 70,830 |
| Net Cash Flow | $178,407 | $46,980 | $26,359 | $3,631 | $8,903 |
| Free Cash Flow | |||||
| Operating Cash Flow | 18,161 | 22,650 | 11,198 | 3,536 | 37,755 |
| Capital Expenditure | -1,566 | -323 | -177 | -99 | -289 |
| Free Cash Flow | 16,595 | 22,327 | 11,021 | 3,437 | 37,466 |