Company / FCF Margin
Upstart Holdings, Inc. FCF Margin History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
-14.2%
FY2025
5-year range
-22.1% / 29.1%
FY2021-FY2025
Trend
-148.7%
vs FY2024
Sector context
#181 of 206
Financials
What the data says
Upstart Holdings, Inc.'s fcf margin of -14.2% is lower than 88% of companies in the Financials sector (FY2025). FCF Margin has fluctuated over the past 7 years, ranging from -22.1% in FY2023 to 29.1% in FY2024.
Based on SEC 10-K filings.
-14.2% in FY2025 with a 5-year CAGR of -20.3%.
Improved from -22.1% to -14.2% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- -20.3pp
- 5-Year Change
- -20.3pp
- 10-Year Change
- -
Sector benchmark
Bottom 12% in FinancialsTop 88% of 206This company -14.2% Sector average 207.7%
▼
-106.8% below sector average
Key checks
Key Insights
- In FY2025, fcf margin decreased 148.7% year-over-year.
- Currently 221.9pp below the Financials sector average.
- Peak fcf margin was recorded in FY2024.
- Lowest fcf margin in the period was in FY2023.
Company context
Key Data Points
- Altman Z-Score 0.45 (distress zone, below 1.8 threshold)
- Negative profit margin: -20.2%
- Low earnings quality (accrual-heavy earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -14.2% | -148.7% |
| FY2024 | 29.1% | +232.2% |
| FY2023 | -22.1% | -459.1% |
| FY2022 | 6.1% | -63.5% |
| FY2021 | 16.8% | +173.6% |
| FY2020 | 6.1% | -63.5% |
| FY2019 | 16.8% | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026