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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 - 2026)

Upstart Holdings has reported FCF Margin over the past 6 years, most recently at 30.63% 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 was 30.63% for Q4 2025 at Upstart Holdings, up from 43.48% in the prior quarter.
  • Over five years, FCF Margin peaked at 156.23% in Q2 2023 and troughed at 152.83% in Q4 2022.
  • The 5-year median for FCF Margin is 15.02% (2022), against an average of 11.11%.
  • Year-over-year, FCF Margin soared 18212bps in 2024 and then crashed -15564bps in 2025.
  • A 5-year view of FCF Margin shows it stood at 4.95% in 2021, then plummeted by -2986bps to 152.83% in 2022, then skyrocketed by 38bps to 95.42% in 2023, then skyrocketed by 38bps to 59.52% in 2024, then skyrocketed by 151bps to 30.63% in 2025.
  • Per Business Quant, the three most recent readings for UPST's FCF Margin are 30.63% (Q4 2025), 43.48% (Q3 2025), and 50.75% (Q2 2025).