Velocity Financial (VEL) Free Cash Flow (2019 - 2026)
Velocity Financial (VEL) posted Free Cash Flow of $3.6 million for Q2 2026, down 69.75% on a QoQ basis from $12.0 million in Q1 2026, and down 51.96% year-over-year from $7.6 million in Q2 2025.
Analysis
Velocity Financial (VEL) Free Cash Flow (2019 - 2026) Analysis & Trends
Velocity Financial has reported Free Cash Flow for 8 years, with the latest figure at $3.6 million in Q2 2026.
- On a quarterly basis, Free Cash Flow fell 51.96% year-over-year to $3.6 million in Q2 2026; TTM through Jun 2026 was $22.5 million, a 15.24% decrease from a year earlier, with the FY2025 full-year figure at $17.9 million, down 52.28% from the prior year.
- Free Cash Flow was $3.6 million for Q2 2026 at Velocity Financial, down from $12.0 million in the prior quarter.
- The five-year high for Free Cash Flow was $44.4 million in Q2 2023, with the low at -$17.6 million in Q3 2024.
- Average Free Cash Flow over 5 years is $9.3 million, with a median of $9.1 million recorded in 2024.
- The largest YoY upside for Free Cash Flow was 3885.35% in 2023 against a maximum downside of 201.75% in 2023.
- Over 5 years, Free Cash Flow stood at $40.0 million in 2022, then sank by 34.82% to $26.1 million in 2023, then gained by 27.34% to $33.2 million in 2024, then slumped by 113.7% to -$4.5 million in 2025, then surged by 180.14% to $3.6 million in 2026.
- The last three Free Cash Flow figures came in at $3.6 million (Q2 2026), $12.0 million (Q1 2026), and -$4.5 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 46.15 Bn | 43.05 Bn | - | -1.25 Bn |
| 2 | Federal National Mortgage Association Fannie Mae | 30.33 Bn | 30.33 Bn | - | 9.25 Bn |
| 3 | Figure Technology Solutions | 7.94 Bn | 6.40 Bn | 196.67 Mn | -41.39 Mn |
| 4 | PennyMac Financial Services | 3.45 Bn | 2.70 Bn | 480.08 Mn | 2.13 Bn |
| 5 | Federal Agricultural Mortgage | 2.40 Bn | 1.36 Bn | - | 40.40 Mn |
| 6 | UWM Holdings | 2.01 Bn | 2.36 Bn | - | 334.58 Mn |
| 7 | Walker & Dunlop | 1.26 Bn | 1.11 Bn | - | 1.17 Bn |
| 8 | CNFinance Holdings | 1.25 Bn | 1.25 Bn | - | - |
| 9 | Velocity Financial | 630.27 Mn | -6.82 Bn | - | 3.64 Mn |
| 10 | Onity | 266.14 Mn | 69.84 Mn | - | -516.90 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 3.64 Mn |
| Mar 31, 2026 | 12.04 Mn |
| Dec 31, 2025 | -4.55 Mn |
| Sep 30, 2025 | 11.39 Mn |
| Jun 30, 2025 | 7.58 Mn |
| Mar 31, 2025 | 3.46 Mn |
| Dec 31, 2024 | 33.17 Mn |
| Sep 30, 2024 | -17.64 Mn |
| Jun 30, 2024 | 11.39 Mn |
| Mar 31, 2024 | 10.54 Mn |
| Dec 31, 2023 | 26.05 Mn |
| Sep 30, 2023 | -9.78 Mn |
| Jun 30, 2023 | 44.36 Mn |
| Mar 31, 2023 | -11.98 Mn |
| Dec 31, 2022 | 39.97 Mn |
| Sep 30, 2022 | -4.50 Mn |
| Jun 30, 2022 | 1.11 Mn |
| Mar 31, 2022 | 11.77 Mn |
| Dec 31, 2021 | 18.02 Mn |
| Sep 30, 2021 | 18.68 Mn |