How much cash does Velocity Financial generate?

Velocity Financial (VEL) generated $34.7M in operating cash flow over the trailing twelve months.

What is Velocity Financial's free cash flow?

After $243.0K of capital expenditures, Velocity Financial's free cash flow was $34.5M over the trailing twelve months, down 57.5% year over year.

Where does Velocity Financial's cash flow data come from?

Every line is extracted from Velocity Financial's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Velocity Financial VEL Cash Flow Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Net income	$108.63M+55.7%	$104.98M+53.3%	$91.04M+40.4%	$81.24M+32.4%	$69.78M+18.5%
Depreciation and amortization	$511K-31.8%	$516K-34.9%	$536K-35.8%	$696K-5.7%	$749K+1.4%
Stock-based compensation	$9.01M+33.4%	$8.28M+34.6%	$7.8M+43.5%	$7.22M+43.3%	$6.75M+50.1%
Deferred income taxes	-$7.02M+21.6%	-$8.13M+28.8%	-$2.49M—	-$9.98M—	-$8.95M—
Amortization of debt issuance costs	$11.27M-4.9%	$10.13M-17.3%	$10.44M-19.1%	$11.25M-21.6%	$11.85M-28.7%
Provision for credit losses	-$869K—	-$158K—	——	——	——
Change in accounts payable	$16.68M-42.0%	$19.77M-24.8%	$29.05M-12.4%	$24.36M-21.1%	$28.77M-2.8%
Change in other current assets	——	——	——	——	——
Change in accrued investment income	$15.3M—	$17.22M—	$16.84M—	——	——
Loans held for sale activity	$47.04M—	$49.7M—	$52.49M—	——	——
Net cash from operating activities	——	——	$55.92M—	——	——
Capital expenditures	$243K-25.9%	$281K-2.8%	$323K+8.4%	$322K+25.3%	$328K+89.6%
Net cash from investing activities	-$1.47B-19.3%	-$1.52B-45.6%	-$1.63B-78.3%	-$1.48B-89.2%	-$1.23B-70.1%
Repurchases of common stock	$9.71M—	$7.34M—	——	——	——
Proceeds from issuance of debt	——	——	——	——	——
Proceeds from issuance of common stock	——	$40.97M+304%	$48.23M+1,653%	$39.59M+1,183%	$38.79M—
Distributions to noncontrolling interests	$68.25K—	$47K—	——	——	——
Payment of debt issuance costs	$16.43M+798%	$1.62M-58.4%	$2M-50.4%	$2.23M-49.5%	$1.83M—
Net cash from financing activities	$1.48B+21.7%	$1.68B+65.5%	$1.62B+79.8%	$1.47B+90.3%	$1.22B+85.4%
Net increase (decrease) in cash	$37.59M—	$178.41M—	$50.55M—	——	——
Interest paid	$366.95M+35.6%	$344.88M+37.3%	$318.39M+38.3%	$294.17M+38.2%	$270.69M+38.7%
Income taxes paid	$50.66M+19.8%	$50.74M+22.1%	$45.57M+65.8%	$44.43M+82.4%	$42.3M+472%
Non-cash interest expense	$11.27M-4.9%	$10.13M-17.3%	$10.44M-19.1%	$11.25M-21.6%	$11.85M-28.7%
Change In Valuation Of Real Estate Owned	$18.66M+188%	$17.52M+186%	$12.75M+140%	$8.08M+79.9%	$6.47M+45.5%
Derivative Gain Loss On Derivative Net	——	——	-$658K-118%	$5.58M+357%	$1.16M+25.0%
Gain (Loss) on Sale of Mortgage Loans	——	——	——	——	——
Gains Losses On Sales Of Investment Real Estate	$1.02M-76.5%	$1.45M-66.5%	$4.65M+243%	$5.12M+473%	$4.33M+490%
Increase (Decrease) in Accrued Interest Receivable, Net	$15.3M—	$17.22M—	$16.84M—	——	——
Increase (Decrease) in Other Current Assets	——	——	——	——	——
Increase Decrease In Valuation Of Fair Value Loans	$83.06M—	$116.85M—	——	——	——
Increase Decrease In Valuation Of Fair Value Securitized Debt	$8.68M+199%	-$31.25M-1,311%	$3.28M+106%	-$11.72M+45.1%	-$8.78M+21.2%
Increase Decrease In Valuation Of Mortage Servicing Rights	——	——	-$269K—	-$919K—	——
Net Accretion Of Discount On Purchased Loans And Deferred Loan Origination Costs	——	——	——	——	$4.26M-9.6%
Payments For Origination Of Mortgage Loans Held For Sale	$47.04M—	$49.7M—	$52.49M—	——	——
Proceeds From Sale Of Loans Held For Sale	——	——	——	——	——
Accounts Receivable, Credit Loss Expense (Reversal)	-$869K—	-$158K—	——	——	——
Total provisions for credit losses	$5.59M+174%	$5.81M+395%	$3.87M+95.8%	$3.42M+55.5%	$2.04M-10.4%
Real Estate Acquired Through Foreclosure In Excess Of Recorded Investment	$15.65M+50.8%	$15.65M+79.8%	$14.93M+93.3%	$12.61M+36.4%	$10.38M+41.4%
Capitalized Improvement On Real Estate Owned	——	——	——	——	——
Increase Decrease In Impounds And Deposits	$1.4M+184%	-$1.16M+43.5%	-$776K-110%	-$298K-103%	-$1.68M-120%
Origination Of Loans Held For Investment	$2.67B+28.6%	$2.67B+46.7%	$2.59B+61.0%	$2.34B+64.1%	$2.07B+64.6%
Payment for Acquisition, Loan, Held-for-Investment	——	——	——	——	——
Proceeds from sales of OREO	$66.03M+87.3%	$55.58M+68.5%	$47.58M+111%	$39.56M+39.8%	$35.26M+39.0%
Proceeds Repayments From Advances For Construction	——	——	-$8.42M+18.0%	-$9.66M-37.2%	-$10.87M-52.3%
Payments Of Debt Issuance Costs	$16.43M+798%	$1.62M-58.4%	$2M-50.4%	$2.23M-49.5%	$1.83M—
Payments Of Stock Issuance Costs	——	$392K+111%	$425.5K—	$472K—	$163.5K—
Payments to Noncontrolling Interests	$68.25K—	$47K—	——	——	——
Proceeds from the issuance of debt	——	——	——	——	——
Proceeds From Warehouse Repurchase Facilities	$2.19B-10.2%	$2.63B+35.3%	$2.65B+47.0%	$2.69B+84.1%	$2.44B+91.1%
Proceeds Of Securitizations Net	$2.75B+54.7%	$2.65B+66.7%	$2.59B+115%	$2.21B+79.2%	$1.78B+76.4%
Repayment Of Securitizations	$1.08B+34.1%	$971.75M+45.8%	$916.97M+55.2%	$872.62M+64.9%	$802.03M+67.4%
Repayment Of Warehouse Repurchase Facilities	$2.66B+19.5%	$2.67B+38.3%	$2.75B+73.3%	$2.6B+77.4%	$2.23B+83.2%
Repayments Of Secured Debt	——	——	——	——	——
Capitalized Interest On Loans Held For Investment	——	$2.3M+64.2%	$2.08M+25.9%	$1.85M-2.4%	$1.63M-24.2%
Exchange Offer (Note 12)	——	——	——	——	——
Debt Issuance Costs Incurred During Noncash Or Partial Noncash Transaction	——	$4.28M—	——	——	——
Accrued payables for stock repurchases, including applicable excise tax	——	——	——	——	——
Noncash Or Part Noncash Acquisition Fixed Assets Acquired1	——	——	——	——	——
Noncash Or Part Noncash Acquisition Other Assets Acquired1	——	——	——	——	——
Principal payments from commercial mortgage loans held-for-investment	$1B+26.4%	$963.81M+33.3%	$926.64M+42.4%	$830.79M+42.1%	$792.76M+52.9%
Leased assets obtained in exchange for operating lease liabilities	$1.42M—	$1.83M—	$1.4M—	——	——
Transfer from trading securities to investment securities	——	$109.81M—	——	——	——
Transfer Of Portfolio Loans And Leases To Held For Sale1	——	——	——	——	——
Real Estate Owned, Transfer to Real Estate Owned	$114.87M+78.9%	$105.01M+111%	$91.98M+77.2%	$72.53M+36.7%	$64.21M+38.8%
Income Taxes Paid, Net	$50.66M+19.8%	$50.74M+22.1%	$45.57M+65.8%	$44.43M+82.4%	$42.3M+472%
Common stock issued for acquisition of NEX	——	——	——	——	——
Free cash flow	——	——	$55.6M—	——	——

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Questions, answered.

How much cash does Velocity Financial generate?: Velocity Financial (VEL) generated $34.7M in operating cash flow over the trailing twelve months.
What is Velocity Financial's free cash flow?: After $243.0K of capital expenditures, Velocity Financial's free cash flow was $34.5M over the trailing twelve months, down 57.5% year over year.
Where does Velocity Financial's cash flow data come from?: Every line is extracted from Velocity Financial's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.