Company / Free Cash Flow
Upstart Holdings, Inc. Free Cash Flow History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
-$148.1M
FY2025
5-year range
-$148.1M / $185.5M
FY2021-FY2025
Trend
-179.8%
vs FY2024
Sector context
#279 of 302
Financials
What the data says
Among 302 Financials companies, Upstart Holdings, Inc. is in the bottom 8% for free cash flow. Free Cash Flow has fluctuated over the past 7 years, ranging from -$148M in FY2025 to $185M in FY2024.
Based on SEC 10-K filings.
-$148M in FY2025.
Declined from -$113M to -$148M over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Bottom 8% in FinancialsTop 92% of 302This company -$148.1M Sector average $646.4M
▼
-122.9% below sector average
Key checks
Key Insights
- In FY2025, free cash flow decreased 179.8% year-over-year.
- Ranks #279 out of 302 companies in the Financials sector.
- Peak free cash flow was recorded in FY2024.
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 | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -$148.1M | -179.8% |
| FY2024 | $185.5M | +263.8% |
| FY2023 | -$113.2M | -889.6% |
| FY2022 | $14.3M | -48.0% |
| FY2021 | $27.6M | +92.3% |
| FY2020 | $14.3M | -48.0% |
| FY2019 | $27.6M | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026