Velocity Financial Inc (VEL)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 70,230 | 44,818 | 18,648 | 68,466 | 47,661 |
| Depreciation Amortization | 8,935 | 6,288 | 3,501 | 14,244 | 11,166 |
| Income taxes - deferred | -2,160 | 2,096 | 2,963 | -11,431 | -11,104 |
| Other Working Capital | -48,644 | -39,582 | -17,427 | -33,070 | -22,757 |
| Other Operating Activity | -5,711 | -2,422 | -4,149 | -454 | -20,484 |
| Operating Cash Flow | $22,650 | $11,198 | $3,536 | $37,755 | $4,482 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -1,304,053 | -865,762 | -407,215 | -1,061,080 | -699,415 |
| PPE Investments | 34,076 | 22,360 | 7,920 | 33,330 | 20,248 |
| Purchase Sale Intangibles | N/A | N/A | N/A | -4,759 | -4,760 |
| Other Investing Activity | -1,708 | 791 | -2,118 | -17,332 | -9,846 |
| Investing Cash Flow | $-1,271,685 | $-842,611 | $-401,413 | $-1,045,082 | $-689,013 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 4,078,237 | 2,816,581 | 1,235,209 | 3,611,305 | 2,444,993 |
| Debt Repayment | -2,824,096 | -1,992,189 | -860,059 | -2,599,376 | -1,752,114 |
| Common Stock Issued | 50,839 | 42,004 | 28,797 | 10,145 | 1,845 |
| Common Stock Repurchased | -7,334 | -7,155 | -2,162 | -1,550 | -1,550 |
| Other Financing Activity | -1,631 | -1,469 | -277 | -4,294 | -3,309 |
| Financing Cash Flow | $1,296,015 | $857,772 | $401,508 | $1,016,230 | $689,865 |
| Beginning Cash Position | 70,830 | 70,830 | 70,830 | 61,927 | 61,927 |
| End Cash Position | 117,810 | 97,189 | 74,461 | 70,830 | 67,261 |
| Net Cash Flow | $46,980 | $26,359 | $3,631 | $8,903 | $5,334 |
| Free Cash Flow | |||||
| Operating Cash Flow | 22,650 | 11,198 | 3,536 | 37,755 | 4,482 |
| Capital Expenditure | -323 | -177 | -99 | -289 | -190 |
| Free Cash Flow | 22,327 | 11,021 | 3,437 | 37,466 | 4,292 |