Company / Operating Cash Flow
Upstart Holdings, Inc. Operating Cash Flow History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Cash Flow
-$147.7M
FY2025
5-year range
-$147.7M / $186.3M
FY2021-FY2025
Trend
-179.3%
vs FY2024
Sector context
#383 of 413
Financials
What the data says
Among 413 Financials companies, Upstart Holdings, Inc. is in the bottom 7% for operating cash flow. Operating Cash Flow has fluctuated over the past 7 years, ranging from -$148M in FY2025 to $186M in FY2024.
Based on SEC 10-K filings.
-$148M in FY2025.
Declined from -$112M to -$148M over the past 2 years.
Financials sector context is included.
Operating Cash Flow over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Bottom 7% in FinancialsTop 93% of 413This company -$147.7M Sector average $636.4M
▼
-123.2% below sector average
Key checks
Key Insights
- In FY2025, operating cash flow decreased 179.3% year-over-year.
- Ranks #383 out of 413 companies in the Financials sector.
- Peak operating 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 | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -$147.7M | -179.3% |
| FY2024 | $186.3M | +266.8% |
| FY2023 | -$111.7M | -811.7% |
| FY2022 | $15.7M | -50.3% |
| FY2021 | $31.6M | +101.2% |
| FY2020 | $15.7M | -50.3% |
| FY2019 | $31.6M | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026