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). Also explore Upstart Holdings Inc (UPST) net asset momentum to track the company's year-over-year net asset growth rate.
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. Check Upstart Holdings Inc (UPST) strategic investment index to assess the company's strategic physical and investment asset allocation.
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 cap and net worth.
| 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 | — |