Upstart Holdings Inc (UPST) — Financial Flexibility Index
Upstart Holdings Inc (UPST) has a Financial Flexibility Index of 0.05x as of December 2025. Free cash flow of $112.47 Million (operating CF $108.55 Million minus capex $3.92 Million) represents 0% of total liabilities ($2.18 Billion). Check Upstart Holdings Inc (UPST) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Upstart Holdings Inc Financial Flexibility Index (2018–2025)
Historical Financial Flexibility Index trend for Upstart Holdings Inc across 8 annual periods. For the full cash flow conversion analysis, see Upstart Holdings Inc cash flow conversion.
Annual Financial Flexibility Index for Upstart Holdings Inc (2018–2025)
Year-by-year free cash flow to debt coverage for Upstart Holdings Inc. Explore Upstart Holdings Inc (UPST) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.06x | $-129.32 Million | $-147.72 Million | $2.18 Billion | ▼ -155.0% |
| 2024 | 0.11x | $187.17 Million | $186.33 Million | $1.73 Billion | ▲ +193.8% |
| 2023 | -0.12x | $-158.97 Million | $-160.49 Million | $1.38 Billion | ▲ +77.7% |
| 2022 | -0.52x | $-651.77 Million | $-674.68 Million | $1.26 Billion | ▼ -384.9% |
| 2021 | 0.18x | $183.47 Million | $168.35 Million | $1.01 Billion | ▲ +50.4% |
| 2020 | 0.12x | $21.30 Million | $15.70 Million | $177.00 Million | ▲ +48.6% |
| 2019 | 0.08x | $36.86 Million | $31.58 Million | $455.15 Million | ▼ -14.5% |
| 2018 | 0.09x | $51.38 Million | $50.34 Million | $542.65 Million | — |