Velocity Financial, Inc.VELNYSE

Revenue (LTM)

$714M

+48.0% YoY

Net Income (LTM)

$105M

+53.5% YoY

Free Cash Flow

$18M

Revenue CAGR (5Y)

+33.9%

Marginsimproving

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	181	248↑37.0%	132↓47.0%	483↑266.5%	714↑48.0%
Gross Profit	76	90↑19.1%	132↑46.3%	211↑59.9%	681↑223.4%
Operating Income	40	45↑12.0%	77↑72.5%	96↑25.4%	511↑430.4%
Net Income	29	32↑10.2%	52↑62.3%	68↑30.9%	105↑53.5%
EBITDA	42	47↑10.6%	0	98	511↑419.6%
EPS Diluted	0.86	0.93↑8.1%	1.52↑63.4%	1.91↑25.7%	2.75↑44.0%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	36	45↑25.7%	41↓10.3%	50↑23.0%	92↑83.8%
Total Current Assets	125	143↑13.8%	164↑14.6%	212↑29.8%	144↓32.3%
Total Assets	2,812	3,749↑33.3%	4,405↑17.5%	5,527↑25.5%	7,382↑33.5%
Total Current Liabilities	0	422	457↑8.1%	496↑8.6%	0
Total Liabilities	2,468	3,368↑36.5%	3,968↑17.8%	5,007↑26.2%	6,706↑33.9%
Total Equity	341	377↑10.5%	433↑15.0%	517↑19.3%	673↑30.1%
Total Debt	2,376	3,277↑37.9%	3,842↑17.2%	4,859↑26.5%	6,538↑34.5%
Net Debt	2,340	3,232↑38.1%	3,801↑17.6%	4,809↑26.5%	6,445↑34.0%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	58	49↓15.5%	61↑25.4%	38↓38.2%	18↓51.9%
Capital Expenditure	-0	-0↓141.5%	-0↑44.8%	-0↓60.6%	-0↑2.8%
Free Cash Flow	57	48↓15.6%	61↑25.9%	37↓38.5%	18↓52.3%
Stock-Based Comp	2	3↑54.8%	0	6	8↑34.6%
Net Change in Cash	27	14↓47.1%	-0↓100.9%	9↑7001.6%	178↑1903.9%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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