Upstart Holdings, Inc. (UPST) quarterly cash flow statement — complete operating, investing & financing history
Upstart Holdings, Inc. (UPST) cash flow statement — 8-year operating, investing & financing cash flows
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Cash from Operations | -19.75M | -136.63M | -133.3M | 108.55M | -122.63M | -120.16M | -13.49M | -110.93M | 179.34M | 73.58M | 44.34M | -143.71M | -107.71M | 217.32M | -75.73M | -252.88M | -101.37M | -53.64M | -266.8M | -26.87M |
| Operating CF Growth % | 83.89% | -13.71% | -888.41% | 197.86% | -168.38% | -263.31% | -130.42% | 22.81% | 266.5% | -66.14% | 158.55% | 43.17% | -6.26% | 505.13% | 71.62% | -841.08% | -332.49% | -157.8% | -719.13% | -139.22% |
| Net Income | 36.58M | 16.54M | -6.65M | 18.64M | 31.8M | 5.61M | -2.45M | -2.75M | -6.76M | -54.47M | -64.6M | -42.4M | -40.31M | -28.16M | -129.25M | -55.26M | -56.22M | -29.87M | 32.69M | 58.94M |
| Depreciation & Amortization | 6.12M | 7.13M | 5.86M | 6.46M | 6.13M | 5.84M | 6.4M | 4.7M | 5.39M | 4.83M | 5.63M | 9.1M | 4.93M | 4.42M | 6.44M | 3.65M | 3.72M | 3.35M | 2.78M | 2.56M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 24.38M | 122.45M | -122.45M | 6.32M | -180.76M | -205.73M | -4.57M | -161.36M | 123.35M | 69.95M | 94.4M | -149.03M | -112.2M | 156.87M | 52.51M | -232.7M | -59.44M | -29.8M | -361.67M | 11.24M |
| Working Capital Changes | -126.79M | -327.21M | -44.87M | 44.69M | -13.96M | 38.61M | -42.7M | 18.69M | 23.74M | 19.07M | -26.87M | 5.85M | 4.31M | 51.6M | -79.53M | -2.48M | -26.08M | -27.66M | 34.35M | -99.62M |
| Cash from Investing | 117.19M | 94.08M | 876K | 131.74M | -120.51M | -109.83M | -78.57M | -77.91M | -46.17M | -76.1M | -37.55M | -29.89M | -24.22M | -38.49M | -25.85M | -85.11M | -24.25M | -9.94M | 5.18M | -19.78M |
| Purchase of Investments | -259.97M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -16.94M | -17.39M | -13.08M | -26.43M | 0 | -5.25M | 0 | 0 | -1M | -66.66M |
| Sale/Maturity of Investments | 381.17M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50.42M |
| Net Investment Activity | 121.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -16.94M | -17.39M | -13.08M | -26.43M | 0 | -5.25M | 0 | 0 | -1M | -16.24M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -196K |
| Other Investing | 1.42M | 96.14M | 3.63M | 131.9M | -120.43M | -109.72M | -72.41M | -74.49M | -46.05M | -76.06M | -19.92M | -12.26M | -11M | -12.03M | -24.74M | -78.13M | -22.74M | -5.99M | 7.81M | 2.34M |
| Cash from Financing | 48.76M | 93.49M | 6.74M | -20.18M | 378.58M | 91.93M | -44.68M | 509.33M | -38.02M | 123.99M | -35.43M | 26.36M | 237.06M | -120.8M | 20.97M | 40.53M | 41.12M | -34.69M | 83.07M | 66.13M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | -100.06M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -27.81M | -25.03M | 0 | 0 | 0 |
| Stock Issued | 11.15M | -5.25M | 5.25M | 2.36M | 8.38M | 1.66M | 12.9M | 9.13M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.96M |
| Net Stock Activity | 11.15M | -5.25M | -94.8M | 2.36M | 8.38M | 1.66M | 12.9M | 9.13M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -27.81M | -25.03M | 0 | 0 | 4.96M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | 21.52M | 11.71M | 17.86M | 14.26M | -55.61M | 8.55M | 22.49M | -3.1M | -33.32M | 10.44M | 14.05M | 3.4M | 9.78M | -49.81M | 7.26M | 1.62M | 4.54M | -121.26M | 10.06M | 0 |
| Net Change in Cash | 146.19M | 50.94M | -125.68M | 220.11M | 135.44M | -138.07M | -136.74M | 320.5M | 95.15M | 121.47M | -28.64M | -147.24M | 105.14M | 58.03M | -80.61M | -297.46M | -84.5M | -98.27M | -178.55M | 19.48M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Cash at Beginning | 982.28M | 931.33M | 1.06B | 836.9M | 701.46M | 839.53M | 976.26M | 655.77M | 560.62M | 439.15M | 467.79M | 615.03M | 509.89M | 451.86M | 532.47M | 829.93M | 914.42M | 1.01B | 1.19B | 1.17B |
| Cash at End | 1.13B | 982.28M | 931.33M | 1.06B | 836.9M | 701.46M | 839.53M | 976.26M | 655.77M | 560.62M | 439.15M | 467.79M | 615.03M | 509.89M | 451.86M | 532.47M | 829.93M | 914.42M | 1.01B | 1.19B |
| Interest Paid | 0 | -3.49M | 3.49M | 8.97M | 12.4M | 14.73M | 7.38M | 8.32M | 10.29M | 12.05M | 12.46M | 14.07M | 10.24M | 4.28M | 7.96M | 4.52M | 3.88M | 2.31M | 1.76M | 0 |
| Income Taxes Paid | 0 | -79K | 79K | 18K | 22K | 454K | 96K | 8K | 37K | 125K | 88K | 0 | 0 | 0 | 0 | 122K | 154K | 34K | 18K | 0 |
| Free Cash Flow | -25.18M | -134.45M | -140.29M | 104.63M | -126.59M | -124.53M | -19.64M | -114.34M | 176.85M | 71.25M | 42.59M | -145.38M | -110.66M | 215.31M | -81.19M | -257.86M | -106.89M | -60.76M | -272.08M | -30.34M |
| FCF Growth % | 80.11% | -7.97% | -614.12% | 191.51% | -171.58% | -274.77% | -146.13% | 21.35% | 259.82% | -66.91% | 152.46% | 43.62% | -3.52% | 454.34% | 70.16% | -749.85% | -363% | -166.72% | -740.33% | -145.18% |