Upstart Holdings Inc Cash Flow Quality Index
Upstart Holdings Inc cash flow quality index. Upstart Holdings Inc (UPST) has a Cash Flow Quality Index of 5.82x as of December 2025. Operating cash flow of $108.55 Million exceeds net income of $18.64 Million, indicating high earnings quality where cash backs reported profits. See how financially flexible is Upstart Holdings Inc to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Upstart Holdings Inc (2020–2025)
Cash flow quality index of Upstart Holdings Inc from 2020 to 2025. Historical Cash Flow Quality Index for Upstart Holdings Inc across 3 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Upstart Holdings Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
Upstart Holdings Inc Cash Flow Quality Index by Year (2020–2025)
Upstart Holdings Inc cash flow quality index by year from 2020 to 2025. Year-by-year earnings quality comparison for Upstart Holdings Inc. For the full cash flow conversion analysis, see Upstart Holdings Inc operating cash flow efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -2.76x | $-147.72 Million | $53.60 Million | ▼ -321.7% |
| 2021 | 1.24x | $168.35 Million | $135.44 Million | ▼ -55.8% |
| 2020 | 2.81x | $15.70 Million | $5.58 Million | — |