Upstart Holdings Inc Cash Flow Conversion Efficiency
Upstart Holdings Inc cash flow conversion efficiency. 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.
Cash Flow Conversion Efficiency of Upstart Holdings Inc (2018–2025)
Cash flow conversion efficiency of Upstart Holdings Inc from 2018 to 2025. This chart illustrates how Upstart Holdings Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. View Upstart Holdings Inc (UPST) stock price for real-time trading data and today's change.
Upstart Holdings Inc Cash Flow Conversion Ratio Explained
Upstart Holdings Inc cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
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. Also see Upstart Holdings Inc (UPST) total market value for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Northwest Natural Gas Co
NYSE:NWN
|
0.074x |
|
Dongguan Dingtong Precision Metal Co. Ltd. A
SHG:688668
|
0.057x |
|
Sapiens International Corporation NV
TA:SPNS
|
0.020x |
|
Shenzhen H&T Intelligent Control Co Ltd
SHE:002402
|
0.037x |
|
Allegiant Travel Company
NASDAQ:ALGT
|
0.026x |
|
Sichuan Teway Food Group Co Ltd
SHG:603317
|
0.020x |
|
Fujian Huoju Electronic
SHG:603678
|
-0.005x |
|
Compania Cervecerias Unidas SA
SN:CCU
|
-0.020x |
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. Review UPST cash flow after capex ratio to assess how much free cash flow the company generates relative to operating cash flow.
| 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 | -- |
About 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