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Velocity Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$12.3M in Q3 2026 · −$1.1M over twelve months

Operating cash flow−$12.2M
Capital spending−$60K
Free cash flow−$12.3M
Cash / net income-0.4×

Analysis

In Q3 2026, Velocity Financial generated −$12.2M of operating cash flow and spent $60K on capital projects, leaving free cash flow of −$12.3M. That is $23.7M less than in Q3 2025 ($11.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was −$888K; the largest uses were other investing ($1.3B), buybacks ($7.6M), operating cash flow ($888K); besides operations, cash came from other financing ($1.3B), shares issued ($3.7M); the cash balance fell by $8.5M.

Operating cash flow was −$12.2M against net income of $27.2M — -0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: deferred taxes +$4.5M, prepaid and other assets −$2.9M, stock-based pay +$2.7M.

Free cash flow

Velocity Financial: free cash flow by quarterVelocity Financial: free cash flow by quarter$33.2MQ4 2024$3.5MQ1 2025$7.6MQ2 2025$11.4MQ3 2025−$4.5MQ4 2025$12.0MQ1 2026$3.6MQ2 2026−$12.3MQ3 2026
Operating cash flow less capital spending.
Velocity Financial: operating cash flow against capital spendingVelocity Financial: operating cash flow against capital spendingOperating cash flowCapital spending$33.3M$99KQ4 2024$3.5M$80KQ1 2025$7.7M$78KQ2 2025$11.5M$66KQ3 2025−$4.5M$57KQ4 2025$12.1M$42KQ1 2026$3.7M$98KQ2 2026−$12.2M$60KQ3 2026
Latest (Q3 2026): Operating cash flow −$12.2M, Capital spending $60K.

Capital allocation, year by year

Velocity Financial: where the cash came from (up) and went (down), by fiscal yearVelocity Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $57.6MFY2021: Net borrowing −$82.2MFY2021: Shares issued $137KFY2021: Capital spending −$135KFY2021: Acquisitions −$10.8M$57.8MFY2021FY2022: Operating cash flow $48.7MFY2022: Net borrowing −$171MFY2022: Shares issued $607KFY2022: Capital spending −$326KFY2022: Buybacks −$458K$49.3MFY2022FY2023: Operating cash flow $48.8MFY2023: Shares issued $2.8MFY2023: Capital spending −$180KFY2023: Buybacks −$861K$51.6MFY2023FY2024: Operating cash flow $37.8MFY2024: Shares issued $10.1MFY2024: Asset sales $640KFY2024: Capital spending −$289KFY2024: Buybacks −$1.6M$48.5MFY2024FY2025: Operating cash flow $18.2MFY2025: Shares issued $41.0MFY2025: Capital spending −$281KFY2025: Buybacks −$7.3M$59.1MFY2025
Over these 5 years operating cash flow totalled $211M; the largest uses were net borrowing ($253M) and acquisitions ($10.8M). Cash-flow statements as filed.

Where the cash came from and went

Velocity Financial: sources (+) and uses (−) of cash, Q3 2026Velocity Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$463MOther financing$340MCash drawn (+) / kept (−)$136MOperating cash flow−$12.2MBuybacks−$361KCapital spending−$60K
Velocity Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Velocity Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.3BOther financing$1.3BCash drawn (+) / kept (−)$8.5MBuybacks−$7.6MShares issued$3.7MOperating cash flow−$888KCapital spending−$257KPartners−$33K

From profit to cash

Velocity Financial: net income to operating cash flow, Q3 2026Velocity Financial: net income to operating cash flow, Q3 2026Net income$27.2MDepreciation & amortization$142KStock-based pay$2.7MDeferred taxes$4.5MPayables−$349KPrepaid and other assets−$2.9MOperating cash flow−$12.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$12.2M−$60K−$361K——$136M−$12.3M
Q2 2026$3.7M−$98K−$2.7M——−$133M$3.6M
Q1 2026$12.1M−$42K−$4.5M$285M—$137M$12.0M
Q4 2025−$4.5M−$57K−$1K—$1.0M−$131M−$4.5M
Q3 2025$11.5M−$66K−$179K—$8.8M−$20.6M$11.4M
Q2 2025$7.7M−$78K−$5.0M—$2.3M−$22.7M$7.6M
Q1 2025$3.5M−$80K−$2.2M—$28.8M−$3.6M$3.5M
Q4 2024$33.3M−$99K——$8.3M−$3.6M$33.2M

Velocity Financial: income statement and cash flow

Velocity Financial, Q3 2026: revenue $103M (+19% year over year), operating margin 37.3%. The chart follows the revenue to costs, profit and cash.

Velocity Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.