UP FINT. HLDG (SP.ADR) A (1M5) — Financial Flexibility Index
UP FINT. HLDG (SP.ADR) A (1M5) has a Financial Flexibility Index of 0.18x as of December 2025. Free cash flow of €1.32 Billion (operating CF €1.32 Billion minus capex €5.48 Million) represents 0% of total liabilities (€7.36 Billion). Check 1M5 capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
UP FINT. HLDG (SP.ADR) A Financial Flexibility Index (2021–2025)
Historical Financial Flexibility Index trend for UP FINT. HLDG (SP.ADR) A across 5 annual periods. For the full cash flow conversion analysis, see UP FINT. HLDG (SP.ADR) A (1M5) cash flow conversion.
Annual Financial Flexibility Index for UP FINT. HLDG (SP.ADR) A (2021–2025)
Year-by-year free cash flow to debt coverage for UP FINT. HLDG (SP.ADR) A. Explore UP FINT. HLDG (SP.ADR) A cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (EUR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.18x | €1.32 Billion | €1.32 Billion | €7.36 Billion | ▲ +24.1% |
| 2024 | 0.14x | €829.53 Million | €827.98 Million | €5.73 Billion | ▲ +12478.2% |
| 2023 | 0.00x | €-3.80 Million | €-6.57 Million | €3.25 Billion | ▼ -101.5% |
| 2022 | 0.08x | €262.95 Million | €258.06 Million | €3.35 Billion | ▼ -46.0% |
| 2021 | 0.15x | €418.17 Million | €413.20 Million | €2.87 Billion | — |