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Velocity Financial, Inc.

VEL Clue Score54
United States Fiscal year ends December CIK 0001692376
$14.56 -1.15% Close, 12 Oct 2026
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Price $14.56 +15.19% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 17 Jan 2020. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2018Net income7.6Fiscal year 2019Net income17.3 +126.6%Fiscal year 2020Net income17.8 +2.8%EPS, diluted−1.55Fiscal year 2021Net income29.2 +64.4%EPS, diluted0.86Fiscal year 2022Net income32.2 +10.2%EPS, diluted0.94Fiscal year 2023Net income52.3 +62.3%EPS, diluted1.52Fiscal year 2024Net income68.4 +30.9%EPS, diluted1.91Fiscal year 2025Net income105.1 +53.5%EPS, diluted2.75
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 7.6 17.3 17.8 29.2 32.2 52.3 68.4 105.1
Growth +126.6% +2.8% +64.4% +10.2% +62.3% +30.9% +53.5%
EPS, diluted n/a n/a −1.55 0.86 0.94 1.52 1.91 2.75

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2018Operating cash flow−72.5Capital expenditure−1.3Free cash flow−73.8Fiscal year 2019Operating cash flow−105.3Capital expenditure−0.9Free cash flow−106.2Fiscal year 2020Operating cash flow54.9Capital expenditure−0.7Free cash flow54.2Fiscal year 2021Operating cash flow57.6Capital expenditure−0.1Free cash flow57.5 +6.1%Fiscal year 2022Operating cash flow48.7Capital expenditure−0.3Free cash flow48.3 −15.9%Buybacks−0.5Fiscal year 2023Operating cash flow48.8Capital expenditure−0.2Free cash flow48.7 +0.6%Buybacks−0.9Fiscal year 2024Operating cash flow37.8Capital expenditure−0.3Free cash flow37.5 −23.0%Buybacks−1.6Fiscal year 2025Operating cash flow18.2Capital expenditure−0.3Free cash flow17.9 −52.3%Buybacks−7.3
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −72.5 −105.3 54.9 57.6 48.7 48.8 37.8 18.2
Capital expenditure −1.3 −0.9 −0.7 −0.1 −0.3 −0.2 −0.3 −0.3
Free cash flow −73.8 −106.2 54.2 57.5 48.3 48.7 37.5 17.9
Growth +6.1% −15.9% +0.6% −23.0% −52.3%
Buybacks n/a n/a n/a n/a −0.5 −0.9 −1.6 −7.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2018Cash15.0Shareholders’ equity136.8Fiscal year 2019Cash21.5Shareholders’ equity152.8Fiscal year 2020Cash13.3Shareholders’ equity219.6Fiscal year 2021Cash36.0Shareholders’ equity341.1Fiscal year 2022Cash45.2Shareholders’ equity376.8Fiscal year 2023Cash40.6Shareholders’ equity433.4Fiscal year 2024Cash49.9Shareholders’ equity516.9Fiscal year 2025Cash92.1Shareholders’ equity672.5
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 15.0 21.5 13.3 36.0 45.2 40.6 49.9 92.1
Shareholders’ equity 136.8 152.8 219.6 341.1 376.8 433.4 516.9 672.5

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
60.4% 31.9% 23.1% 26.6% 27.0% 26.5% 29.0% 28.2%
Returns
5.6% 11.3% 8.1% 8.6% 8.5% 12.1% 13.2% 15.6%
n/a 0.8% 0.8% 1.0% 0.9% 1.2% 1.2% 1.4%
Balance and payout
n/a 93.1% 85.3% 87.8% 89.9% 90.1% 90.6% 90.8%
n/a n/a n/a n/a 0.9% 1.8% 4.1% 41.0%