Upstart Holdings Inc Financial Flexibility Index
Upstart Holdings Inc 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). See UPST free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Upstart Holdings Inc (2018–2025)
Financial flexibility index of Upstart Holdings Inc from 2018 to 2025. Historical Financial Flexibility Index trend for Upstart Holdings Inc across 8 annual periods. Check Upstart Holdings Inc (UPST) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Upstart Holdings Inc Financial Flexibility Index by Year (2018–2025)
Upstart Holdings Inc financial flexibility index by year from 2018 to 2025. Year-by-year free cash flow to debt coverage for Upstart Holdings Inc. For the full cash flow conversion analysis, see Upstart Holdings Inc (UPST) cash conversion ratio.
| 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 | — |