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 strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
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. See UPST current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Upstart Holdings Inc (2018–2025)
Year-by-year free cash flow to debt coverage for Upstart Holdings Inc. For the full company profile including market capitalisation, see Upstart Holdings Inc market capitalisation.
| 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 | — |