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

Upstart Holdings (UPST) has reported Net Cash Flow for 7 consecutive years, with -$125.7 million the latest figure, recorded in Q1 2026.

• In Q1 2026, Net Cash Flow rose 8.09% year-over-year to -$125.7 million; the TTM figure through Mar 2026 stood at $91.8 million (down 77.07% YoY), while the FY2025 annual figure was $80.7 million, down 84.12% from the prior year.
• Net Cash Flow eased to -$125.7 million in Q1 2026 per UPST's latest filing, from $220.1 million in the prior quarter.
• Across five years, Net Cash Flow topped out at $320.5 million in Q4 2024 and bottomed at -$297.5 million in Q4 2022.
• Historically, Net Cash Flow has averaged -$15.3 million across 5 years, with a median of -$80.6 million in 2023.
• Annual changes were most pronounced in 2022 — Net Cash Flow slumped 1627.0% — and 2024, when it soared 317.67%.
• Upstart Holdings' Net Cash Flow stood at -$297.5 million in 2022, then jumped by 50.5% to -$147.2 million in 2023, then jumped by 317.67% to $320.5 million in 2024, then sank by 31.32% to $220.1 million in 2025, then plunged by 157.1% to -$125.7 million in 2026.
• Business Quant data shows UPST's Net Cash Flow at -$125.7 million in Q1 2026, $220.1 million in Q4 2025, and $135.4 million in Q3 2025.