Annual FCF
$176.34M$300.14M+242.44%
Summary
- Current Value
- As of today, UPST annual free cash flow is $176.34M, up +242.44% on
- Historical Performance
- UPST annual free cash flow is up +15.08% over the past 3 years, and up +570.42% over the past 5 years
- All-Time High Comparison
- UPST annual free cash flow is currently at its all-time high
- 3-Year Low Comparison
- UPST annual free cash flow is +125.90% above its 3-year low of -$680.77M reached on an earlier date
- Sector Comparison
- UPST annual free cash flow is higher than 76.62% of companies in Financial Services sector
Free Cash Flow Chart
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Series
SUGGESTED SERIES
Performance
| Metric | Date | Value | 1Y | 3Y | 5Y | 15Y |
|---|---|---|---|---|---|---|
| Annual Free Cash Flow | $176.34M | +242.4% | +15.1% | +570.4% | +1740.0% | |
| Quarterly Free Cash Flow | -$126.59M | -171.6% | -18.4% | -889.2% | – | |
| TTM Free Cash Flow | -$385.11M | -381.1% | +18.5% | -574.9% | – | |
| Price | $50.32 | -16.5% | +284.4% | -9.2% | – | |
| Annual Cash From Operations | $186.33M | +266.8% | +10.7% | +490.0% | +1699.1% | |
| Annual CAPEX | $9.99M | -17.3% | -33.9% | +89.2% | +1192.4% | |
| Annual Dividends Paid | $0.00 | 0.0% | 0.0% | 0.0% | 0.0% | |
| Annual Net Income | -$128.58M | +46.5% | -194.9% | -2461.4% | -1351.1% | |
| Annual Revenue | $636.53M | +23.9% | -25.0% | +287.7% | +1011.1% |
Free Cash Flow Highs
| Period | High | Date | Current |
|---|---|---|---|
| 3Y | $176.34M | at high | |
| 5Y | $176.34M | at high | |
| All | $176.34M | at high |
Free Cash Flow Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 3Y | -$680.77M | N/A | +125.9% |
| 5Y | -$680.77M | +125.9% | |
| All | -$680.77M | +125.9% |
Free Cash Flow History
| Year | Value | Change |
|---|---|---|
| $176.34M | +242.4% | |
| -$123.80M | +81.8% | |
| -$680.77M | -544.3% | |
| $153.24M | +1,418.4% |
| Year | Value | Change |
|---|---|---|
| $10.09M | -61.6% | |
| $26.30M | -46.6% | |
| $49.29M | +414.3% | |
| $9.58M | - |
FAQ
What is the current annual free cash flow of UPST?
As of today, UPST annual free cash flow is $176.34M
What is 1-year change in UPST annual free cash flow?
UPST annual free cash flow is up +242.44% year-over-year
What is 3-year change in UPST annual free cash flow?
UPST annual free cash flow is up +15.08% over the past 3 years
How far is UPST annual free cash flow from its all-time high?
UPST annual free cash flow is currently at its all-time high
How does UPST annual free cash flow rank versus sector peers?
UPST annual free cash flow is higher than 76.62% of companies in Financial Services sector
When is UPST next annual earnings release?
The next annual earnings release for UPST is on
Quarterly FCF
-$126.59M$2.06M-1.66%
Summary
- Current Value
- As of today, UPST quarterly free cash flow is -$126.59M, down -1.66% on
- Historical Performance
- UPST quarterly free cash flow is down -171.58% year-over-year, and down -18.43% over the past 3 years
- All-Time High Comparison
- UPST quarterly free cash flow is currently -171.58% below its historical high of $176.85M set on
- 3-Year Low Comparison
- UPST quarterly free cash flow is +50.91% above its 3-year low of -$257.86M reached on an earlier date
- Sector Comparison
- UPST quarterly free cash flow is higher than 3.64% of companies in Financial Services sector
Performance
| Metric | Date | Value | 3M | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|---|
| Quarterly Free Cash Flow | -$126.59M | -1.7% | -171.6% | -18.4% | -889.2% | |
| Annual Free Cash Flow | $176.34M | – | +242.4% | +15.1% | +570.4% | |
| TTM Free Cash Flow | -$385.11M | -371.5% | -381.1% | +18.5% | -574.9% | |
| Price | $50.32 | -2.9% | -16.5% | +284.4% | -9.2% | |
| Quarterly Cash From Operations | -$122.63M | -2.0% | -168.4% | -21.0% | -792.0% | |
| Quarterly CAPEX | $3.96M | -9.2% | +58.9% | -28.3% | +135.6% | |
| Quarterly Dividends Paid | $0.00 | 0.0% | 0.0% | 0.0% | – | |
| Quarterly Net Income | $31.81M | +467.2% | +570.6% | +156.6% | +228.9% | |
| Quarterly Revenue | $277.11M | +7.7% | +70.9% | +76.2% | +324.0% |
Quarterly Free Cash Flow Highs
| Period | High | Date | Current |
|---|---|---|---|
| 1Y | -$19.65M | -544.4% | |
| 3Y | $176.85M | -171.6% | |
| 5Y | $176.85M | -171.6% | |
| All | $176.85M | -171.6% |
Quarterly Free Cash Flow Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 1Y | -$126.59M | at low | |
| 3Y | -$257.86M | N/A | +50.9% |
| 5Y | -$272.08M | +53.5% | |
| All | -$272.08M | +53.5% |
Quarterly Free Cash Flow History
FAQ
What is the current quarterly free cash flow of UPST?
As of today, UPST quarterly free cash flow is -$126.59M
What is UPST quarterly free cash flow most recent change?
UPST quarterly free cash flow was down -1.66% on September 30, 2025
What is 1-year change in UPST quarterly free cash flow?
UPST quarterly free cash flow is down -171.58% year-over-year
How far is UPST quarterly free cash flow from its all-time high?
UPST quarterly free cash flow is currently -171.58% below its historical high of $176.85M set on September 30, 2024
How does UPST quarterly free cash flow rank versus sector peers?
UPST quarterly free cash flow is higher than 3.64% of companies in Financial Services sector
When is UPST next earnings release?
The next earnings release for UPST is on
TTM FCF
-$385.11M$303.44M-371.53%
Summary
- Current Value
- As of today, UPST TTM free cash flow is -$385.11M, down -371.53% on
- Historical Performance
- UPST TTM free cash flow is down -381.06% year-over-year, and up +18.46% over the past 3 years
- All-Time High Comparison
- UPST TTM free cash flow is currently -262.34% below its historical high of $237.22M set on
- 3-Year Low Comparison
- UPST TTM free cash flow is +44.79% above its 3-year low of -$697.59M reached on an earlier date
- Sector Comparison
- UPST TTM free cash flow is higher than 3.44% of companies in Financial Services sector
Performance
| Metric | Date | Value | 3M | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|---|
| TTM Free Cash Flow | -$385.11M | -371.5% | -381.1% | +18.5% | -574.9% | |
| Annual Free Cash Flow | $176.34M | – | +242.4% | +15.1% | +570.4% | |
| Quarterly Free Cash Flow | -$126.59M | -1.7% | -171.6% | -18.4% | -889.2% | |
| Price | $50.32 | -2.9% | -16.5% | +284.4% | -9.2% | |
| TTM Cash From Operations | -$367.20M | -462.9% | -352.8% | +18.2% | -595.2% | |
| TTM CAPEX | $17.91M | +8.9% | +117.4% | -24.2% | +321.4% | |
| TTM Dividends Paid | $0.00 | 0.0% | 0.0% | 0.0% | – | |
| TTM Net Income | $32.21M | +607.0% | +119.2% | +481.2% | +242.0% | |
| TTM Revenue | $966.73M | +13.5% | +73.3% | -3.4% | +361.9% |
TTM Free Cash Flow Highs
| Period | High | Date | Current |
|---|---|---|---|
| 1Y | $168.06M | N/A | -329.2% |
| 3Y | $168.06M | -329.2% | |
| 5Y | $237.22M | -262.3% | |
| All | $237.22M | -262.3% |
TTM Free Cash Flow Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 1Y | -$385.11M | at low | |
| 3Y | -$697.59M | N/A | +44.8% |
| 5Y | -$697.59M | +44.8% | |
| All | -$697.59M | +44.8% |
TTM Free Cash Flow History
FAQ
What is the current TTM free cash flow of UPST?
As of today, UPST TTM free cash flow is -$385.11M
What is UPST TTM free cash flow most recent change?
UPST TTM free cash flow was down -371.53% on September 30, 2025
What is 1-year change in UPST TTM free cash flow?
UPST TTM free cash flow is down -381.06% year-over-year
How far is UPST TTM free cash flow from its all-time high?
UPST TTM free cash flow is currently -262.34% below its historical high of $237.22M set on September 30, 2021
How does UPST TTM free cash flow rank versus sector peers?
UPST TTM free cash flow is higher than 3.44% of companies in Financial Services sector
When is UPST next earnings release?
The next earnings release for UPST is on
Free Cash Flow Formula
FCF = −
Data Sources & References
- UPST Official Website www.upstart.com
- Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/1647639/000164763925000134/0001647639-25-000134-index.htm
- Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/1647639/000164763925000018/0001647639-25-000018-index.htm
- UPST Profile on Yahoo Finance finance.yahoo.com/quote/UPST
- UPST Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/upst