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Upstart Holdings (UPST) Free Cash Flow (2020 - 2026)

Upstart Holdings has reported Free Cash Flow over the past 6 years, most recently at $90.7 million 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 was $90.7 million for Q4 2025 at Upstart Holdings, up from -$112.4 million in the prior quarter.
  • Over five years, Free Cash Flow peaked at $212.1 million in Q2 2023 and troughed at -$268.4 million in Q1 2022.
  • The 5-year median for Free Cash Flow is -$37.0 million (2021), against an average of -$30.4 million.
  • Year-over-year, Free Cash Flow surged 499.33% in 2021 and then crashed 1475.31% in 2022.
  • A 5-year view of Free Cash Flow shows it stood at -$15.1 million in 2021, then crashed by 1475.31% to -$237.8 million in 2022, then soared by 38.67% to -$145.8 million in 2023, then grew by 18.24% to -$119.2 million in 2024, then skyrocketed by 176.05% to $90.7 million in 2025.
  • Per Business Quant, the three most recent readings for UPST's Free Cash Flow are $90.7 million (Q4 2025), -$112.4 million (Q3 2025), and -$130.6 million (Q2 2025).