KPIs & Operating Metrics(New)
Balance Sheet
Cash Flow Statement
Amortization of Deferred ChargesAmortization of Deferred ChargesCapital ExpendituresCapital ExpendituresCash from Financing ActivitiesCash from Financing ActivitiesCash from Investing ActivitiesCash from Investing ActivitiesCash from OperationsCash from OperationsChange in Accured ExpensesChange in Accured ExpensesChange in Acquisitions & DivestmentsChange in Acquisitions & DivestmentsChange in CashDepreciation & Amortization (CF)Depreciation & Amortization (CF)Depreciation and DepletionDepreciation and DepletionDivestmentsFree Cash FlowFree Cash FlowGains from Investment SecuritiesGains from Investment SecuritiesLong-Term Debt IssuancesLong-Term Debt RepaymentsNet Cash FlowNet Cash FlowNet IncomeOther Working Capital ChangesOther Working Capital ChangesOther financing activitiesOther financing activitiesShare-based CompensationShare-based CompensationShares Issued
Daily Values
Growth Metrics
Income Statement
Others
Ratios

Upstart Holdings (UPST) Free Cash Flow (2020 - 2025)

Upstart Holdings (UPST) has disclosed Free Cash Flow for 6 consecutive years, with $90.7 million as the latest value for Q4 2025.

  • Quarterly Free Cash Flow rose 176.05% to $90.7 million in Q4 2025 from the year-ago period, while the trailing twelve-month figure was -$165.8 million through Dec 2025, down 193.57% year-over-year, with the annual reading at -$165.8 million for FY2025, 193.57% down from the prior year.
  • Free Cash Flow for Q4 2025 was $90.7 million at Upstart Holdings, up from -$112.4 million in the prior quarter.
  • The five-year high for Free Cash Flow was $212.1 million in Q2 2023, with the low at -$268.4 million in Q1 2022.
  • Average Free Cash Flow over 5 years is -$30.4 million, with a median of -$37.0 million recorded in 2021.
  • The sharpest move saw Free Cash Flow soared 499.33% in 2021, then plummeted 1475.31% in 2022.
  • Over 5 years, Free Cash Flow stood at -$15.1 million in 2021, then tumbled by 1475.31% to -$237.8 million in 2022, then surged by 38.67% to -$145.8 million in 2023, then rose by 18.24% to -$119.2 million in 2024, then soared by 176.05% to $90.7 million in 2025.
  • According to Business Quant data, Free Cash Flow over the past three periods came in at $90.7 million, -$112.4 million, and -$130.6 million for Q4 2025, Q3 2025, and Q2 2025 respectively.