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). See Upstart Holdings Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
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 Upstart Holdings Inc (UPST) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
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 UPST company net worth.
| 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 | — |