stockrowUpstart Holdings, Inc.
UPST Financial Credit Services
Upstart Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 64.0% from fiscal 2024.
- Revenue
- −25.2%
- EPS
- −0.30%
- Free cash flow
- +107.6%
- Total debt
- −1.43%
Quarter to September 2026, against a year earlier
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Upstart Holdings, Inc. (UPST) Free cash flow
Upstart Holdings, Inc.'s free cash flow for fiscal 2025 was −$166.1M, compared with $176.3M in fiscal 2024. Over the twelve months to 30 September 2026 it was −$128.5M. Over the past ten years it has ranged from −$680.8M (fiscal 2022) to $176.3M (fiscal 2024); the current reading is higher than 22% of that period. Upstart Holdings, Inc. ranks 46th of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | −$166.1M | — |
| FY2024 | $176.3M | — |
| FY2023 | −$123.8M | — |
| FY2022 | −$680.8M | — |
| FY2021 | $153.2M | 1,418.41% |
| FY2020 | $10.1M | (61.63%) |
| FY2019 | $26.3M | (46.64%) |
| FY2018 | $49.3M | 375.95% |
| FY2017 | $10.4M | — |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | $12.4M | — |
| Jun 2026 | −$142.9M | — |
| Mar 2026 | −$140.3M | — |
| Dec 2025 | $142.2M | — |
| 25 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ATLC Atlanticus Holdings Corporation compare | $1.1B |
| AGM Federal Agricultural Mortgage Corporation compare | $312.2M |
| WU The Western Union Company compare | $276.2M |
| JCAP Jefferson Capital, Inc. compare | $219.7M |
| ECPG Encore Capital Group Inc compare | $176.4M |
| EZPW EZCORP, Inc. compare | $138.3M |
| UPST Upstart Holdings, Inc. | −$128.5M |
| SLM SLM Corporation compare | −$381.6M |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on UPST
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement