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) Operating cash flow
Upstart Holdings, Inc.'s operating cash flow for fiscal 2025 was −$147.7M, compared with $186.3M in fiscal 2024. Over the twelve months to 30 September 2026 it was −$114.3M. Over the past ten years it has ranged from −$657.9M (fiscal 2022) to $186.3M (fiscal 2024); the current reading is higher than 22% of that period. Upstart Holdings, Inc. ranks 47th of 52 Credit Services companies by operating cash flow.
Operating cash flow, annual
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Annual newest first
| Period | Operating cash flow | Change |
|---|---|---|
| FY2025 | −$147.7M | — |
| FY2024 | $186.3M | — |
| FY2023 | −$111.7M | — |
| FY2022 | −$657.9M | — |
| FY2021 | $168.4M | 972.52% |
| FY2020 | $15.7M | (50.30%) |
| FY2019 | $31.6M | (37.26%) |
| FY2018 | $50.3M | 386.03% |
| FY2017 | $10.4M | — |
Quarterly newest first
| Period | Operating cash flow | Change |
|---|---|---|
| Sep 2026 | $13.7M | — |
| Jun 2026 | −$136.6M | — |
| Mar 2026 | −$133.3M | — |
| Dec 2025 | $142.0M | — |
| 25 more quarters | Free account |
Against its own ten years
Operating cash flow against peers
| Company | Operating cash flow |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ATLC Atlanticus Holdings Corporation compare | $1.1B |
| WU The Western Union Company compare | $456.6M |
| AGM Federal Agricultural Mortgage Corporation compare | $310.1M |
| JCAP Jefferson Capital, Inc. compare | $221.1M |
| EZPW EZCORP, Inc. compare | $181.6M |
| ECPG Encore Capital Group Inc compare | $176.4M |
| UPST Upstart Holdings, Inc. | −$114.3M |
| SLM SLM Corporation compare | −$381.6M |
What Operating cash flow is
Operating Cash Flow shows how much cash a company’s day-to-day business actually brings in, after paying suppliers, staff and taxes.
Reported line item
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free 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