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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 29.7% as the latest value for Q4 2025.

  • On a quarterly basis, FCF Margin rose 8442.0% to 29.7% in Q4 2025 year-over-year; TTM through Dec 2025 was 15.88%, a 4320.0% decrease, with the full-year FY2025 number at 15.88%, down 4376.0% from a year prior.
  • FCF Margin was 29.7% for Q4 2025 at Upstart Holdings, up from 46.45% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 147.62% in Q2 2023 to a low of 110.53% in Q4 2022.
  • A 5-year average of 10.48% and a median of 15.99% in 2022 define the central range for FCF Margin.
  • Peak YoY movement for FCF Margin: soared 18212bps in 2024, then tumbled -15861bps in 2025.
  • Upstart Holdings' FCF Margin stood at 4.48% in 2021, then tumbled by -2367bps to 110.53% in 2022, then increased by 14bps to 95.42% in 2023, then surged by 43bps to 54.72% in 2024, then skyrocketed by 154bps to 29.7% in 2025.
  • Per Business Quant, the three most recent readings for UPST's FCF Margin are 29.7% (Q4 2025), 46.45% (Q3 2025), and 51.67% (Q2 2025).