Upstart Holdings Inc Cash Flow-to-Debt Ratio
Upstart Holdings Inc cash flow-to-debt ratio. Upstart Holdings Inc (UPST) has a Cash Flow-to-Debt Ratio of 0.05x as of December 2025, meaning its operating cash flow of $108.55 Million could theoretically repay 0% of its total liabilities ($2.18 Billion) in one year. Check cash flow quality index of Upstart Holdings Inc to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Upstart Holdings Inc (2018–2025)
Cash flow-to-debt ratio of Upstart Holdings Inc from 2018 to 2025. Historical debt coverage capacity for Upstart Holdings Inc across 8 annual periods. Check Upstart Holdings Inc total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Upstart Holdings Inc Cash Flow-to-Debt Ratio by Year (2018–2025)
Upstart Holdings Inc cash flow-to-debt ratio by year from 2018 to 2025. Year-by-year debt coverage analysis for Upstart Holdings Inc. For the full cash flow conversion analysis, see how efficiently does Upstart Holdings Inc generate cash.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.07x | $-147.72 Million | $2.18 Billion | ▼ -163.2% |
| 2024 | 0.11x | $186.33 Million | $1.73 Billion | ▲ +192.5% |
| 2023 | -0.12x | $-160.49 Million | $1.38 Billion | ▲ +78.2% |
| 2022 | -0.53x | $-674.68 Million | $1.26 Billion | ▼ -421.4% |
| 2021 | 0.17x | $168.35 Million | $1.01 Billion | ▲ +87.3% |
| 2020 | 0.09x | $15.70 Million | $177.00 Million | ▲ +27.8% |
| 2019 | 0.07x | $31.58 Million | $455.15 Million | ▼ -25.2% |
| 2018 | 0.09x | $50.34 Million | $542.65 Million | — |