Upstart Holdings Inc (UPST) — Free Cash Flow Generation Index
Upstart Holdings Inc (UPST) has a Free Cash Flow Generation Index of 0.96x as of December 2025. Free cash flow of $104.63 Million represents 1% of operating cash flow ($108.55 Million). Read total liabilities of Upstart Holdings Inc for a breakdown of total debt and financial obligations.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Upstart Holdings Inc Free Cash Flow Generation Index (2017–2024)
Historical FCF Generation Index trend for Upstart Holdings Inc across 6 annual periods. Explore UPST capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Annual Free Cash Flow Generation for Upstart Holdings Inc (2017–2024)
Year-by-year Free Cash Flow Generation Index for Upstart Holdings Inc. For the full company profile including market capitalisation, see Upstart Holdings Inc (UPST) total market value.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 1.00x | $185.49 Million | $186.33 Million | $837.00K | ▲ +9.4% |
| 2021 | 0.91x | $153.24 Million | $168.35 Million | $15.12 Million | ▲ +41.6% |
| 2020 | 0.64x | $10.09 Million | $15.70 Million | $5.61 Million | ▼ -22.8% |
| 2019 | 0.83x | $26.30 Million | $31.58 Million | $5.28 Million | ▼ -15.0% |
| 2018 | 0.98x | $49.29 Million | $50.34 Million | $1.04 Million | ▲ +5.8% |
| 2017 | 0.93x | $9.58 Million | $10.36 Million | $773.00K | — |