Upstart Holdings Inc (UPST) - 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. See Upstart Holdings Inc net asset quality index to measure how much of total assets are equity-financed.
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. Check UPST cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
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 |
|---|---|
|
Gold Road Resources Ltd
AU:GOR
|
0.122x |
|
Indah Kiat Pulp & Paper Tbk
JK:INKP
|
0.018x |
|
ArcBest Corp
NASDAQ:ARCB
|
0.007x |
|
CCC S.A.
WAR:CCC
|
0.290x |
|
Aerospace CH UAV Co Ltd
SHE:002389
|
-0.025x |
|
Viscofan
MC:VIS
|
0.066x |
|
Sprott Inc.
TO:SII
|
0.144x |
|
TAG Immobilien AG
F:TEG
|
0.040x |
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. For the full company profile with market capitalisation and key ratios, see UPST market cap.
| 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