Upstart Holdings Inc (UPST) — 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. See Upstart Holdings Inc free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Upstart Holdings Inc Cash Flow-to-Debt Ratio (2018–2025)
Historical debt coverage capacity for Upstart Holdings Inc across 8 annual periods. Also explore Upstart Holdings Inc equity growth rate to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Upstart Holdings Inc (2018–2025)
Year-by-year debt coverage analysis for Upstart Holdings Inc. For market capitalisation and broader financial context, see market cap of Upstart Holdings Inc.
| 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 | — |