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
-$666.7M / $185.5M
FY2021-FY2025
Trend
-179.8%
vs FY2024
Sector context
#276 of 294
Financials
What the data says
Among 294 Financials companies, Upstart Holdings, Inc. is in the bottom 6% for free cash flow. Free Cash Flow has fluctuated over the past 7 years, ranging from -$667M in FY2022 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 6% in FinancialsTop 94% of 294This company -$148.1M Sector average $629.3M
▼
-123.5% below sector average
Key checks
Key Insights
- In FY2025, free cash flow decreased 179.8% year-over-year.
- Ranks #276 out of 294 companies in the Financials sector.
- Peak free cash flow was recorded in FY2024.
- Lowest free cash flow in the period was in FY2022.
Company context
Key Data Points
- Altman Z-Score 0.55 (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 | +83.0% |
| FY2022 | -$666.7M | -516.9% |
| FY2021 | $159.9M | +1015.1% |
| FY2020 | $14.3M | -48.0% |
| FY2019 | $27.6M | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026