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Upstart Holdings Inc

UPST

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27.440USD

+0.400+1.48%

Close 07-31 16:00（ET）Quotes delayed by 15 min

2.69BMarket Cap

53.22P/E TTM

Upstart Holdings Inc

27.440

+0.400+1.48%

Financial Summary Income Statement Balance Sheet Cash Flow Statement

Overview

Financials

Discussions

Analysis

Company

Financial Summary Income Statement Balance Sheet Cash Flow Statement

UPST Cash Flow Statement

You can access the annual and quarterly cash flow statements of Upstart Holdings Inc to evaluate its financial soundness and stability.

Quarterly

Quarterly+Annual

Quarterly

Annual

YOY

Hide blank rows

FY2026Q1

FY2025Q4

FY2025Q3

FY2025Q2

FY2025Q1

FY2024Q4

FY2024Q3

FY2024Q2

FY2024Q1

FY2023Q4

FY2023Q3

FY2023Q2

FY2023Q1

FY2022Q4

FY2022Q3

FY2022Q2

FY2022Q1

FY2021Q4

FY2021Q3

FY2021Q2

FY2021Q1

FY2020Q4

FY2019Q4

Operating cash flows (indirect method)

Cash flow from continuing operating activities

-183.46%-94.85M

-18.55%29.20M

-130.11%-18.38M

-4.00%42.81M

-1211.29%-33.46M

-56.39%35.85M

-46.84%61.03M

7.25%44.59M

104.12%3.01M

-8.90%82.21M

554.64%114.81M

3145.93%41.58M

-169.34%-73.01M

-10.98%90.25M

-149.02%-25.25M

-101.47%-1.36M

412.30%105.30M

219.27%101.39M

--51.52M

--92.79M

--20.55M

200.86%31.76M

--10.55M

Net income from continuing operations

-171.60%-6.65M

776.44%18.64M

570.63%31.80M

110.29%5.61M

96.21%-2.45M

93.50%-2.75M

83.24%-6.76M

-93.40%-54.47M

50.02%-64.60M

23.28%-42.40M

28.29%-40.31M

5.71%-28.16M

-495.37%-129.25M

-193.76%-55.26M

-293.12%-56.22M

-180.12%-29.87M

223.62%32.69M

5639.44%58.94M

--29.11M

--37.28M

--10.10M

-78.89%1.03M

--4.87M

Operating gains losses

-8.47%5.86M

37.50%6.46M

13.75%6.13M

21.02%5.84M

13.64%6.40M

-48.38%4.70M

9.24%5.39M

9.11%4.83M

-12.56%5.63M

149.12%9.10M

32.49%4.93M

31.93%4.42M

131.61%6.44M

42.90%3.65M

70.43%3.72M

69.14%3.35M

240.81%2.78M

295.21%2.56M

--2.19M

--1.98M

--816.00K

43.78%647.00K

--450.00K

Other non-cash items

24.14%-10.88M

-249.29%-21.47M

32.68%-25.68M

-365.33%-16.50M

-341.49%-14.34M

-282.04%-6.15M

-11022.74%-38.15M

-275.93%-3.54M

-233.57%-3.25M

---1.61M

---343.00K

---943.00K

---974.00K

----

-100.00%0.00

---216.00K

--216.00K

----

100.03%1.00K

---3.66M

Change in working capital

12.24%-43.22M

143.88%42.27M

-194.33%-55.93M

-71.34%20.52M

-263.75%-49.25M

-79.75%17.33M

-73.02%59.29M

2239.01%71.61M

137.82%30.08M

-55.19%85.60M

942.45%219.74M

87.90%-3.35M

-331.52%-79.53M

1379.38%191.03M

-992.34%-26.08M

-170.24%-27.66M

118358.62%34.35M

-14.97%12.91M

--2.92M

--39.38M

--29.00K

492.74%15.19M

--2.56M

-Change in other current assets

188.30%6.03M

-144.85%-17.07M

136.49%13.85M

-130.05%-4.17M

-569.31%-6.83M

329.05%38.05M

-227.06%-37.95M

435.82%13.88M

-433.33%-1.02M

5.37%8.87M

767.17%29.87M

-169.93%-4.13M

-95.80%306.00K

121.45%8.42M

-41.90%-4.48M

161.15%5.91M

172.96%7.29M

-370.29%-39.24M

---3.15M

---9.66M

---9.99M

-141.27%-8.34M

---3.46M

-Change in other current liabilities

----

-57.95%-32.39M

-171.29%-69.47M

-61.44%25.00M

-234.56%-42.12M

-124.11%-20.51M

-19.71%97.45M

4948.99%64.83M

263.39%31.30M

-49.90%85.07M

22785.98%121.37M

109.26%1.28M

-72.68%-19.16M

471.29%169.80M

-108.82%-535.00K

-172.28%-13.87M

-341.10%-11.09M

215.86%29.72M

--6.07M

--19.18M

--4.60M

-9.83%9.41M

--10.44M

Cash from non-recurring investing activities

Cash from operating activities

-183.46%-94.85M

-18.55%29.20M

-130.11%-18.38M

-4.00%42.81M

-1211.29%-33.46M

-56.39%35.85M

-46.84%61.03M

7.25%44.59M

104.12%3.01M

-8.90%82.21M

554.64%114.81M

3145.93%41.58M

-169.34%-73.01M

-10.98%90.25M

-149.02%-25.25M

-101.47%-1.36M

412.30%105.30M

219.27%101.39M

--51.52M

--92.79M

--20.55M

200.86%31.76M

--10.55M

Investing cash flow

Net cash from continuing investing activities

13.52%6.99M

14.62%3.92M

58.90%3.96M

87.54%4.37M

252.14%6.16M

105.22%3.42M

-15.34%2.49M

15.48%2.33M

-67.96%1.75M

-66.57%1.67M

-46.66%2.95M

-71.69%2.02M

3.23%5.46M

-12.32%4.98M

4.46%5.52M

100.90%7.12M

779.70%5.29M

319.10%5.68M

--5.29M

--3.54M

--601.00K

-66.20%1.36M

--4.01M

Capital expenditures

13.52%6.99M

14.62%3.92M

58.90%3.96M

87.54%4.37M

252.14%6.16M

105.22%3.42M

-15.34%2.49M

15.48%2.33M

-67.96%1.75M

-66.57%1.67M

-46.66%2.95M

-71.69%2.02M

3.23%5.46M

-12.32%4.98M

4.46%5.52M

100.90%7.12M

779.70%5.29M

319.10%5.68M

--5.29M

--3.54M

--601.00K

-66.20%1.36M

--4.01M

Net cash flow from disposal of fixed assets

--2.75M

--157.00K

-35.34%75.00K

210.81%115.00K

-100.00%0.00

-14.07%116.00K

-5.13%37.00K

-38.43%684.00K

-86.07%242.00K

-91.06%135.00K

-99.01%39.00K

-31.80%1.11M

-49.96%1.74M

-48.97%1.51M

128.27%3.95M

510.11%1.63M

4654.79%3.47M

--2.96M

--1.73M

--267.00K

-98.05%73.00K

--3.75M

Net cash flow from intangible asset transactions

-31.13%4.24M

10.03%3.76M

63.50%3.89M

85.55%4.25M

478.31%6.16M

140.10%3.42M

-15.40%2.38M

15.88%2.29M

-75.50%1.06M

-56.13%1.42M

-29.95%2.81M

-37.65%1.98M

18.84%4.35M

46.75%3.25M

72.38%4.01M

74.81%3.17M

995.21%3.66M

72.41%2.21M

--2.33M

--1.81M

--334.00K

391.57%1.28M

--261.00K

Net cash flow from business transactions

----

--0.00

----

---196.00K

--0.00

---16.56M

----

Net cash flow from investment products

----

--0.00

100.00%0.00

---250.00K

100.00%0.00

--0.00

---1.00M

--0.00

---40.00M

----

Net cash flow from other investing activities

110.87%7.87M

282.11%135.66M

-166.84%-116.54M

-42.96%-105.47M

-102.27%-72.41M

-163.90%-74.49M

-105.34%-43.68M

-102.24%-73.77M

-75.53%-35.80M

64.66%-28.23M

-13.59%-21.27M

-1193.09%-36.48M

-277.90%-20.39M

-474.80%-79.88M

52.13%-18.73M

86.24%-2.82M

662.74%11.46M

-236.74%-13.90M

---39.12M

---20.50M

--1.50M

349.40%10.16M

---4.08M

Cash from non-current investing activities

Net cash flow from investing activities

101.11%876.00K

269.09%131.74M

-161.00%-120.51M

-44.33%-109.83M

-109.26%-78.57M

-160.63%-77.91M

-90.66%-46.17M

-97.69%-76.10M

-45.24%-37.55M

64.88%-29.89M

0.13%-24.22M

-287.22%-38.49M

-599.36%-25.85M

-330.39%-85.11M

71.27%-24.25M

75.52%-9.94M

473.95%5.18M

-324.55%-19.78M

---84.40M

---40.60M

--902.00K

208.90%8.81M

---8.09M

Financing cash flow

Cash flow from continuous financing activities

-28.33%-31.70M

-83.68%59.16M

241.70%274.33M

-146.44%-71.04M

-518.73%-24.70M

281.67%362.55M

452.27%80.28M

178.39%152.98M

-67.68%5.90M

34.05%-199.56M

141.54%14.54M

163.19%54.95M

106.32%18.26M

-387.04%-302.60M

-105.96%-34.99M

-137.93%-86.97M

-8922.56%-289.03M

-138.80%-62.13M

--587.11M

--229.28M

--3.28M

813.02%160.12M

---22.46M

Net cash flow from debt Issuance/repayment

175.27%45.24M

-88.07%42.55M

183.05%321.55M

-160.52%-81.25M

-637.14%-60.10M

274.04%356.52M

90.29%113.60M

169.48%134.25M

-174.15%-8.15M

21.09%-204.85M

511.52%59.70M

45.26%49.82M

103.68%11.00M

-286.90%-259.58M

-102.23%-14.51M

195.63%34.29M

-16864.80%-299.08M

-5381.45%-67.09M

--650.38M

---35.86M

--1.78M

94.18%-1.22M

---21.03M

Net cash flow from common stock issuance/repurchase

-2120.55%-94.80M

--16.85M

20.42%3.76M

--0.00

2.78%4.69M

--0.00

15.43%3.12M

--0.00

-20.30%4.56M

100.00%0.00

112.40%2.70M

100.00%0.00

29.27%5.73M

---27.81M

-625.86%-21.80M

-147.38%-125.04M

--4.43M

-100.00%0.00

--4.14M

--263.93M

----

--159.49M

----

Net cash flow from preferred stock issuance/repurchase

----

100.00%0.00

---2.09M

Proceeds from stock option exercised by employees

----

-258.70%-14.49M

-65.36%-50.01M

63.25%1.66M

581.81%8.21M

168.14%9.13M

-1178.88%-30.24M

-80.23%1.01M

-21.67%1.20M

109.21%3.41M

112.51%2.80M

35.81%5.13M

-72.68%1.54M

-67.20%1.63M

102.55%1.32M

162.57%3.78M

277.08%5.63M

167.12%4.96M

---51.68M

--1.44M

--1.49M

43.25%1.86M

--1.30M

Net cash flow from other financing activities

-20.58%17.86M

560.36%14.26M

84.31%-972.00K

-51.71%8.55M

171.52%22.49M

-264.96%-3.10M

87.77%-6.20M

1771400.00%17.71M

165780.00%8.28M

111.16%1.88M

-633250.00%-50.67M

---1.00K

---5.00K

---16.83M

99.95%-8.00K

----

--0.00

---15.73M

---236.00K

--0.00

100.00%0.00

---639.00K

Net cash from non-recurrent financing activities

Net cash from financing activities

-28.33%-31.70M

-83.68%59.16M

241.70%274.33M

-146.44%-71.04M

-518.73%-24.70M

281.67%362.55M

452.27%80.28M

178.39%152.98M

-67.68%5.90M

34.05%-199.56M

141.54%14.54M

163.19%54.95M

106.32%18.26M

-387.04%-302.60M

-105.96%-34.99M

-137.93%-86.97M

-8922.56%-289.03M

-138.80%-62.13M

--587.11M

--229.28M

--3.28M

813.02%160.12M

---22.46M

Net cash flow

Beginning cash balance

8.27%1.06B

27.62%836.90M

25.12%701.46M

91.17%839.53M

108.70%976.26M

6.62%655.77M

9.95%560.62M

-2.81%439.15M

-12.15%467.79M

-25.89%615.03M

-44.24%509.89M

-55.38%451.86M

-55.30%532.47M

-29.17%829.93M

48.08%914.42M

201.34%1.01B

282.63%1.19B

959.00%1.17B

--617.53M

--336.07M

--311.33M

10.59%110.65M

--100.06M

Current period cash flow changes

8.09%-125.68M

-31.32%220.11M

42.35%135.44M

-213.67%-138.07M

-377.49%-136.74M

317.67%320.50M

-9.50%95.15M

109.30%121.47M

64.47%-28.64M

50.50%-147.24M

224.43%105.14M

159.05%58.03M

54.85%-80.61M

-1627.00%-297.46M

-115.25%-84.50M

-134.91%-98.27M

-821.90%-178.55M

-90.29%19.48M

--554.23M

--281.47M

--24.73M

1103.98%200.69M

---19.99M

Ending cash balance

10.94%931.33M

8.27%1.06B

27.62%836.90M

25.12%701.46M

91.17%839.53M

108.70%976.26M

6.62%655.77M

9.95%560.62M

-2.81%439.15M

-12.15%467.79M

-25.89%615.03M

-44.24%509.89M

-55.38%451.86M

-55.30%532.47M

-29.17%829.93M

48.08%914.42M

201.34%1.01B

282.63%1.19B

--1.17B

--617.53M

--336.07M

288.84%311.33M

--80.07M

Free cash flow

-157.05%-101.84M

-22.04%25.29M

-138.16%-22.34M

-9.04%38.44M

-3239.46%-39.62M

-59.73%32.44M

-47.67%58.54M

6.83%42.26M

101.61%1.26M

-5.53%80.55M

463.48%111.87M

566.25%39.56M

-178.46%-78.47M

-10.90%85.27M

-166.57%-30.78M

-109.51%-8.48M

401.23%100.02M

214.81%95.70M

--46.23M

--89.25M

--19.95M

364.62%30.40M

--6.54M

Currency unit

--USD

Audit opinions

----

FAQs

What is operating cash flow?



Operating cash flow is the cash generated or used by a company's core business operations. It adjusts net income for non-cash items and working capital changes, such as depreciation, receivables, inventory, and payables. Strong operating cash flow can indicate that the business is converting sales and earnings into real cash.

How Much Operating Cash Flow Did Upstart Holdings Inc Generate?



Upstart Holdings Inc generated 20.17M in operating cash flow in fiscal 2025, reflecting cash generated from its core business operations.

How Did Upstart Holdings Inc's Operating Cash Flow Change Year Over Year?



Upstart Holdings Inc's operating cash flow increased by -86.80% year over year.

What is investing cash flow?



Investing cash flow shows cash used for or generated from investment-related activities, such as capital expenditures, purchases or sales of investments, acquisitions, and asset disposals. Negative investing cash flow is not always bad, because it can reflect spending on future growth, but investors should check whether those investments support long-term returns.

How Much Does Upstart Holdings Inc Spend on Capital Expenditures?



Upstart Holdings Inc spent 18.41M on capital expenditures in the most recent quarter。

What is financing cash flow?



Financing cash flow shows how a company raises capital or returns capital to investors and creditors. It can include debt issuance, debt repayment, share issuance, share repurchases, dividend payments, and lease financing. Positive financing cash flow may show new capital raised, while negative financing cash flow may reflect debt repayment, dividends, or buybacks.

How Has Upstart Holdings Inc's Financing Cash Flow Changed?



Upstart Holdings Inc used 237.75M in financing activities in the latest quarter.

What is free cash flow and why does it matter for UPST?



Free cash flow is the cash a company has left after funding the capital spending needed to maintain or grow the business. It is often used to assess financial flexibility, debt repayment capacity, dividend sustainability, buyback potential, and valuation quality. Investors should compare free cash flow with net income, revenue growth, and capital expenditures.

What was Upstart Holdings Inc’s free cash flow in the latest quarter?



Free cash flow was 1.77M reflecting a -98.76% change from the previous year.