Upstart Holdings Inc
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of cred… Read more
Upstart Holdings Inc (UPST) - Cash Flow Conversion Efficiency
Latest cash flow conversion efficiency as of December 2025: 0.136x
Based on the latest financial reports, Upstart Holdings Inc (UPST) has a cash flow conversion efficiency ratio of 0.136x as of December 2025.
Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($108.55 Million) by net assets ($798.82 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Upstart Holdings Inc - Cash Flow Conversion Efficiency Trend (2018–2025)
This chart illustrates how Upstart Holdings Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. Explore and compare other companies by cash flow conversion efficiency.
Upstart Holdings Inc Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Upstart Holdings Inc ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Dundee Precious Metals Inc
PINK:DPMLF
|
0.056x |
|
Alps Electric Co Ltd
PINK:APELY
|
0.048x |
|
The Cheesecake Factory
NASDAQ:CAKE
|
0.172x |
|
Transmissora Aliança de Energia Elétrica S.A
SA:TAEE11
|
0.086x |
|
Shenzhen Zhongjin Lingnan Nonfemet Co Ltd
SHE:000060
|
0.005x |
|
Julius Baer Group Ltd
PINK:JBAXY
|
0.767x |
|
Valiant Holding AG
SW:VATN
|
0.005x |
|
PennyMac Finl Svcs Inc
NYSE:PFSI
|
-0.162x |
Annual Cash Flow Conversion Efficiency for Upstart Holdings Inc (2018–2025)
The table below shows the annual cash flow conversion efficiency of Upstart Holdings Inc from 2018 to 2025.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $798.82 Million | $-147.72 Million | -0.185x | -162.85% |
| 2024-12-31 | $633.22 Million | $186.33 Million | 0.294x | +216.48% |
| 2023-12-31 | $635.30 Million | $-160.49 Million | -0.253x | +74.82% |
| 2022-12-31 | $672.43 Million | $-674.68 Million | -1.003x | -581.00% |
| 2021-12-31 | $807.08 Million | $168.35 Million | 0.209x | +299.00% |
| 2020-12-31 | $300.25 Million | $15.70 Million | 0.052x | +110.21% |
| 2019-12-31 | $-61.69 Million | $31.58 Million | -0.512x | -205.01% |
| 2018-12-31 | $103.25 Million | $50.34 Million | 0.488x | -- |