Velocity Financial, Inc. VEL NYSE

Velocity Financial, Inc. (VEL) generated $-4.49M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $76K, free cash flow was $-4.57M.

Free cash flow margin was -2.5% of revenue. Cash conversion ratio was -0.13x, suggesting some earnings are non-cash.

The company returned $1K in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (64/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (55/100) — Cash conversion ratio was -0.13x suggests some earnings are non-cash items

Overall SharesGrow Score: 70/100 with 4/7 criteria passed.