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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$133,153K
Free Cash flow
$3,643K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Warehouse repurchase facilities ...
Proceeds from securitized debt
Payments of loans held for inves...
Others
Negative Cash Flow Breakdown
Origination of loans held for in...
Warehouse repurchase facilities ...
Repayment of securitized debt
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
25,734
22,299
34,753
25,412
Depreciation and amortization
131
133
123
123
Amortization of right-of-use assets
206
187
629
200
Provision for credit losses
980
1,661
1,954
381
Origination of loans held for sale
86,258
2,226
1,818
2,070
Proceeds from sales of loans held for sale
84,626
2,270
3,967
-1
Net accretion of discount on purchased loans and deferred loan origination costs
775
809
806
2,989
(reversal of) provision for uncollectible corporate and escrow advances receivable
-125
-84
-869
124
Gain on disposition of loans-Nonrelated Party
-
-
1,257
-
Gain on disposition of loans-Related Party
-
-
19,344
-
Loss (gain) on disposition of loans
-342
-1,081
-
0
Real estate acquired through foreclosure in excess of recorded investment
4,296
2,832
3,104
4,574
Amortization of debt issuance discount and costs
2,841
4,037
2,461
2,324
Change in valuation of real estate owned
3,635
3,217
6,990
6,307
Change in valuation of fair value loans
24,483
1,039
21,129
30,982
Change in valuation of mortgage servicing rights
1,126
-337
568
-343
Change in valuation of fair value securitized debt
2,297
26,254
800
-9,988
Hedging activities
-594
-134
-655
149
Gain on sale of real estate owned
634
-129
203
152
Stock-based compensation
3,079
2,695
2,131
2,154
Deferred tax expense
-1,597
4,079
-5,974
-4,256
Accrued interest and other receivables
5,593
3,086
3,177
5,888
Other assets
2,396
-3,632
1,646
-4,155
Accounts payable and accrued expenses
9,603
2,052
-214
7,015
Net cash provided by operating activities
3,741
12,086
-4,489
11,452
Purchase of loans held for investment
0
70
-
-
Origination of loans held for investment
586,319
637,146
632,796
713,016
Proceeds from sales of loans originally classified as held for investment
103,169
-
128,935
-
Payments of loans held for investment
259,313
266,873
234,845
274,725
Proceeds from sale of real estate owned
18,027
18,470
21,182
11,862
Capitalized improvement on real estate held for sale
-
-
-
80
Capitalized improvement on real estate owned
291
298
1,285
-
Change in corporate and escrow advances receivable
3,322
-1,467
1,260
-541
Change in impounds and deposits
2,947
2,308
-2,280
-1,958
Purchase of property and equipment
98
42
57
66
Net cash used in investing activities
-199,930
-351,372
-250,097
-429,074
Warehouse repurchase facilities advances
683,996
374,404
561,582
590,301
Warehouse repurchase facilities repayments
470,172
585,489
585,839
588,723
Proceeds from unsecured financing
0
500,000
-
-
Repayment of secured financing
0
215,000
-
-
Proceeds from securitized debt
398,441
513,725
644,891
671,355
Repayment of securitized debt
282,018
365,907
235,227
243,184
Debt issuance costs
809
15,064
418
162
Deferred stock issuance costs
-
-
13
0
Proceeds from issuance of common stock related to warrants exercised
-
-
0
0
Proceeds from issuance of common stock
2,646
-
1,038
8,835
Purchase of treasury stock
2,742
4,537
1
179
Distribution to non-controlling interest
0
33
0
0
Net cash provided by financing activities
329,342
202,099
386,013
438,243
Net (decrease) increase in cash, cash equivalents, and restricted cash
133,153
-137,187
131,427
20,621
Cash, cash equivalents, and restricted cash at beginning of period
112,050
249,237
117,810
70,830
Cash, cash equivalents, and restricted cash at end of period
245,203
112,050
249,237
117,810
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Warehouse repurchase
facilities advances
$683,996K
(-53.84%↓ Y/Y)
Proceeds from sales of
loans held for sale
$84,626K
(80.23%↑ Y/Y)
Proceeds from
securitized debt
$398,441K
(-70.15%↓ Y/Y)
Proceeds from issuance of
common stock
$2,646K
(-91.49%↓ Y/Y)
Net income
$25,734K
(-42.58%↓ Y/Y)
Accounts payable and
accrued expenses
$9,603K
(-24.72%↓ Y/Y)
Change in valuation of
real estate owned
$3,635K
(-13.92%↓ Y/Y)
Stock-based compensation
$3,079K
(-23.01%↓ Y/Y)
Amortization of debt issuance
discount and costs
$2,841K
(-46.83%↓ Y/Y)
Provision for credit
losses
$980K
(-71.76%↓ Y/Y)
Net accretion of
discount on purchased...
$775K
Hedging activities
-$594K
(-117.45%↓ Y/Y)
Loss (gain) on
disposition of loans
-$342K
(-129.87%↓ Y/Y)
Amortization of right-of-use
assets
$206K
(-69.48%↓ Y/Y)
Depreciation and
amortization
$131K
(-51.48%↓ Y/Y)
Net cash provided by
financing activities
$329,342K
(-61.60%↓ Y/Y)
Net cash provided by
operating activities
$3,741K
(-66.59%↓ Y/Y)
Canceled cashflow
$755,741K
Canceled cashflow
$128,805K
Net (decrease)
increase in cash, cash...
$133,153K
(405.15%↑ Y/Y)
Canceled cashflow
$199,930K
Warehouse repurchase
facilities repayments
$470,172K
(-68.63%↓ Y/Y)
Repayment of securitized
debt
$282,018K
(-42.83%↓ Y/Y)
Purchase of treasury
stock
$2,742K
(-61.68%↓ Y/Y)
Debt issuance costs
$809K
(-22.44%↓ Y/Y)
Payments of loans held for
investment
$259,313K
(-42.91%↓ Y/Y)
Proceeds from sales of
loans originally...
$103,169K
Proceeds from sale of real
estate owned
$18,027K
(-20.01%↓ Y/Y)
Change in corporate and
escrow advances...
$3,322K
(245.45%↑ Y/Y)
Change in impounds and
deposits
$2,947K
(-4.16%↓ Y/Y)
Origination of loans held for
sale
$86,258K
(88.30%↑ Y/Y)
Change in valuation of
fair value loans
$24,483K
(-62.18%↓ Y/Y)
Accrued interest and
other receivables
$5,593K
(-31.37%↓ Y/Y)
Real estate acquired
through foreclosure in...
$4,296K
(-46.13%↓ Y/Y)
Other assets
$2,396K
(-61.10%↓ Y/Y)
Change in valuation of
fair value...
$2,297K
(110.80%↑ Y/Y)
Deferred tax expense
-$1,597K
(-176.19%↓ Y/Y)
Change in valuation of
mortgage servicing...
$1,126K
(192.07%↑ Y/Y)
Gain on sale of real
estate owned
$634K
(-41.83%↓ Y/Y)
(reversal of) provision
for uncollectible...
-$125K
(-121.29%↓ Y/Y)
Net cash used in
investing activities
-$199,930K
(76.27%↑ Y/Y)
Canceled cashflow
$386,778K
Origination of loans held for
investment
$586,319K
(-55.58%↓ Y/Y)
Capitalized improvement on
real estate owned
$291K
Purchase of property and
equipment
$98K
(-37.97%↓ Y/Y)
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Velocity Financial, Inc. (VEL)
Velocity Financial, Inc. (VEL)