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Upstart Holdings Inc
NASDAQ:UPST

Watchlist Manager
Upstart Holdings Inc Logo
Upstart Holdings Inc
NASDAQ:UPST
Watchlist
Price: 30.86 USD 2.22% Market Closed
Market Cap: $3B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
+15%
5Y
-
10Y
-
Investing Cash Flow
+
3Y
-693%
5Y
-
10Y
-
Financing Cash Flow
+
3Y
+568%
5Y
-
10Y
-

Cash Flow Statement
Upstart Holdings Inc

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Cash Flow Statement
Currency: USD
Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
6
16
53
78
135
158
91
6
(109)
(271)
(269)
(253)
(240)
(175)
(202)
(168)
(129)
(66)
(6)
32
Depreciation & Amortization
2
3
5
6
8
10
11
12
14
17
18
19
25
24
24
25
21
21
22
23
Stock-Based Compensation
12
20
41
55
73
90
99
115
126
175
177
176
175
137
138
136
133
127
129
129
Other Non-Cash Items
40
50
64
56
68
94
133
169
92
186
202
79
158
61
16
88
75
55
42
39
Cash Taxes Paid
0
0
2
(2)
(2)
(2)
(4)
0
0
1
(1)
(1)
(1)
(2)
1
1
0
0
1
1
Cash Interest Paid
8
9
11
4
3
4
5
8
12
19
21
27
37
41
49
49
43
38
41
43
Change in Working Capital
(32)
(9)
30
109
(43)
(403)
(522)
(619)
(655)
(400)
(202)
(48)
(55)
99
81
207
219
119
(124)
(461)
Cash from Operating Activities
16
N/A
59
+275%
152
+158%
248
+64%
168
-32%
(142)
N/A
(288)
-103%
(433)
-50%
(658)
-52%
(467)
+29%
(251)
+46%
(202)
+19%
(112)
+45%
8
N/A
(80)
N/A
152
N/A
186
+23%
129
-31%
(65)
N/A
(367)
-463%
Investing Cash Flow
Capital Expenditures
(6)
(6)
(10)
(11)
(15)
(20)
(23)
(24)
(23)
(23)
(18)
(15)
(12)
(8)
(9)
(8)
(10)
(14)
(16)
(18)
Other Items
142
144
107
(105)
(129)
(120)
(86)
(25)
(91)
(122)
(156)
(158)
(106)
(122)
(159)
(181)
(228)
(264)
(296)
(369)
Cash from Investing Activities
137
N/A
137
+1%
97
-30%
(115)
N/A
(144)
-25%
(140)
+3%
(109)
+22%
(49)
+55%
(114)
-134%
(145)
-27%
(174)
-20%
(174)
+0%
(118)
+32%
(130)
-10%
(168)
-29%
(190)
-13%
(238)
-25%
(279)
-17%
(312)
-12%
(387)
-24%
Financing Cash Flow
Net Issuance of Common Stock
162
163
429
381
224
233
(154)
(127)
(158)
(161)
(34)
(8)
21
20
16
(17)
(11)
(4)
(3)
(23)
Net Issuance of Debt
(82)
(103)
(139)
564
647
741
863
267
288
229
71
237
193
130
314
82
563
532
500
931
Other
(1)
(1)
(1)
(16)
(16)
0
(16)
(0)
(17)
(17)
(17)
(68)
(49)
(41)
(31)
13
8
23
22
27
Cash from Financing Activities
79
N/A
60
-24%
289
+383%
928
+221%
855
-8%
958
+12%
694
-28%
140
-80%
113
-19%
51
-55%
20
-61%
161
+707%
165
+3%
109
-34%
299
+174%
79
-74%
560
+611%
551
-2%
519
-6%
935
+80%
Change in Cash
Net Change in Cash
231
N/A
256
+11%
537
+110%
1 061
+97%
880
-17%
677
-23%
297
-56%
(342)
N/A
(659)
-93%
(561)
+15%
(405)
+28%
(215)
+47%
(65)
+70%
(13)
+80%
51
N/A
41
-20%
508
+1 148%
400
-21%
141
-65%
181
+29%
Free Cash Flow
Free Cash Flow
10
N/A
53
+421%
142
+170%
237
+67%
153
-35%
(161)
N/A
(311)
-93%
(457)
-47%
(681)
-49%
(490)
+28%
(269)
+45%
(218)
+19%
(124)
+43%
(0)
+100%
(89)
-356 444%
143
N/A
176
+23%
114
-35%
(82)
N/A
(385)
-372%

See Also

Summary
UPST intrinsic value, competitors valuation, and company profile.
DCF Valuation
UPST stock valuation using Discount Cash Flow valuation method.
Relative Valuation
UPST stock valuation using valuation multiples.
Wall Street Estimates
UPST price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
UPST stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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