Upstart Holdings Inc (UPST) — 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. Explore cash flow to debt ratio of Upstart Holdings Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Upstart Holdings Inc Cash Flow Quality Index (2020–2025)
Historical Cash Flow Quality Index for Upstart Holdings Inc across 3 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UPST cash flow conversion.
Annual Cash Flow Quality Index for Upstart Holdings Inc (2020–2025)
Year-by-year earnings quality comparison for Upstart Holdings Inc.
| 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 | — |