KPIs & Operating Metrics(New)
Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Upstart Holdings (UPST) FCF Margin (2020 - 2025)

Upstart Holdings (UPST) has disclosed FCF Margin for 6 consecutive years, with 30.63% as the latest value for Q4 2025.

  • Quarterly FCF Margin rose 9015.0% to 30.63% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 16.62% through Dec 2025, down 4516.0% year-over-year, with the annual reading at 15.88% for FY2025, 4372.0% down from the prior year.
  • FCF Margin for Q4 2025 was 30.63% at Upstart Holdings, up from 43.48% in the prior quarter.
  • The five-year high for FCF Margin was 156.23% in Q2 2023, with the low at 152.83% in Q4 2022.
  • Average FCF Margin over 5 years is 11.11%, with a median of 15.02% recorded in 2022.
  • The sharpest move saw FCF Margin skyrocketed 18212bps in 2024, then plummeted -15564bps in 2025.
  • Over 5 years, FCF Margin stood at 4.95% in 2021, then crashed by -2986bps to 152.83% in 2022, then soared by 38bps to 95.42% in 2023, then soared by 38bps to 59.52% in 2024, then soared by 151bps to 30.63% in 2025.
  • According to Business Quant data, FCF Margin over the past three periods came in at 30.63%, 43.48%, and 50.75% for Q4 2025, Q3 2025, and Q2 2025 respectively.