Velocity Financial (VEL) Free Cash Flow (2019 - 2026)
Velocity Financial's (VEL) quarterly Free Cash Flow came in at $12.0 million in Q1 2026, up 248.5% year-on-year from $3.5 million in Q1 2025, and up 364.94% quarter-over-quarter from -$4.5 million in Q4 2025.
Velocity Financial (VEL) Free Cash Flow (2019 - 2026) Analysis & Trends
Velocity Financial's Free Cash Flow history runs 8 years deep, the most recent figure standing at $12.0 million for Q1 2026.
- On a quarterly basis, Free Cash Flow rose 248.5% year-over-year to $12.0 million in Q1 2026; TTM through Mar 2026 was $26.5 million, a 12.88% 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 improved to $12.0 million in Q1 2026 per VEL's latest filing, from -$4.5 million in the prior quarter.
- Across five years, Free Cash Flow topped out at $44.4 million in Q2 2023 and bottomed at -$17.6 million in Q3 2024.
- The 5-year median for Free Cash Flow is $10.5 million (2024), against an average of $9.7 million.
- Biggest YoY gain for Free Cash Flow was 3885.35% in 2023; the steepest drop was 201.75% in 2023.
- Year by year, Free Cash Flow stood at $40.0 million in 2022, then plunged by 34.82% to $26.1 million in 2023, then rose by 27.34% to $33.2 million in 2024, then sank by 113.7% to -$4.5 million in 2025, then surged by 364.94% to $12.0 million in 2026.
- Per Business Quant, the three latest VEL Free Cash Flow figures stand at $12.0 million (Q1 2026), -$4.5 million (Q4 2025), and $11.4 million (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 38.33 Bn | 35.64 Bn | - | 1.81 Bn |
| 2 | Federal National Mortgage Association Fannie Mae | 35.67 Bn | 35.67 Bn | - | 16.48 Bn |
| 3 | Federal Home Loan Mortgage | 18.11 Bn | 13.64 Bn | - | 3.87 Bn |
| 4 | PennyMac Financial Services | 4.41 Bn | 3.76 Bn | 523.89 Mn | -1.34 Bn |
| 5 | CNFinance Holdings | 3.28 Bn | 3.20 Bn | - | - |
| 6 | Walker & Dunlop | 1.64 Bn | 1.44 Bn | - | -1.15 Bn |
| 7 | Velocity Financial | 681.36 Mn | -6.51 Bn | - | 12.04 Mn |
| 8 | UWM Holdings | 540.43 Mn | 116.43 Mn | - | -2.25 Bn |
| 9 | Better Home & Finance Holding | 362.34 Mn | 298.07 Mn | - | -127.52 Mn |
| 10 | Onity | 340.51 Mn | 215.81 Mn | - | -1.59 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 12.04 Mn |
| Mar 31, 2026 | 12.04 Mn |
| Dec 31, 2025 | -4.55 Mn |
| Dec 31, 2025 | -4.55 Mn |
| Sep 30, 2025 | 11.39 Mn |
| Sep 30, 2025 | 11.39 Mn |
| Jun 30, 2025 | 7.58 Mn |
| Jun 30, 2025 | 7.58 Mn |
| Mar 31, 2025 | 3.46 Mn |
| Mar 31, 2025 | 3.46 Mn |
| Dec 31, 2024 | 33.17 Mn |
| Dec 31, 2024 | 33.17 Mn |
| Sep 30, 2024 | -17.64 Mn |
| Sep 30, 2024 | -17.64 Mn |
| Jun 30, 2024 | 11.39 Mn |
| Jun 30, 2024 | 11.39 Mn |
| Mar 31, 2024 | 10.54 Mn |
| Mar 31, 2024 | 10.54 Mn |
| Dec 31, 2023 | 26.05 Mn |
| Dec 31, 2023 | 26.05 Mn |