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Upstart Holdings (UPST) FCF Margin: 2020-2025

Historic FCF Margin for Upstart Holdings (UPST) over the last 6 years, with Sep 2025 value amounting to -45.66%.

  • Upstart Holdings' FCF Margin fell 15125.00% to -45.66% in Q3 2025 from the same period last year, while for Sep 2025 it was -40.60%, marking a year-over-year decrease of 6513.00%. This contributed to the annual value of 27.84% for FY2024, which is 4965.00% up from last year.
  • According to the latest figures from Q3 2025, Upstart Holdings' FCF Margin is -45.66%, which was up 5.58% from -48.35% recorded in Q2 2025.
  • In the past 5 years, Upstart Holdings' FCF Margin ranged from a high of 149.87% in Q2 2023 and a low of -153.80% during Q4 2022.
  • Moreover, its 3-year median value for FCF Margin was -45.66% (2025), whereas its average is -5.34%.
  • Its FCF Margin has fluctuated over the past 5 years, first soared by 18,090bps in 2024, then slumped by 15,125bps in 2025.
  • Quarterly analysis of 5 years shows Upstart Holdings' FCF Margin stood at -4.79% in 2021, then plummeted by 14,900bps to -153.80% in 2022, then spiked by 5,761bps to -96.19% in 2023, then skyrocketed by 3,911bps to -57.08% in 2024, then tumbled by 15,125bps to -45.66% in 2025.
  • Its FCF Margin stands at -45.66% for Q3 2025, versus -48.35% for Q2 2025 and -9.21% for Q1 2025.