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
-$657.9M / $186.3M
FY2021-FY2025
Trend
-179.3%
vs FY2024
Sector context
#375 of 402
Financials
What the data says
Among 402 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 -$658M in FY2022 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 402This company -$147.7M Sector average $618.8M
▼
-123.9% below sector average
Key checks
Key Insights
- In FY2025, operating cash flow decreased 179.3% year-over-year.
- Ranks #375 out of 402 companies in the Financials sector.
- Peak operating cash flow was recorded in FY2024.
- Lowest operating 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 | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -$147.7M | -179.3% |
| FY2024 | $186.3M | +266.8% |
| FY2023 | -$111.7M | +83.0% |
| FY2022 | -$657.9M | -490.8% |
| FY2021 | $168.4M | +972.5% |
| FY2020 | $15.7M | -50.3% |
| FY2019 | $31.6M | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026