Upstart Holdings (Upstart Holdings) FCF Margin % : 39.81% (As of Mar. 2024)

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What is Upstart Holdings FCF Margin %?

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Upstart Holdings's Free Cash Flow for the three months ended in Mar. 2024 was $50.9 Mil. Upstart Holdings's Revenue for the three months ended in Mar. 2024 was $127.8 Mil. Therefore, Upstart Holdings's FCF Margin % for the quarter that ended in Mar. 2024 was 39.81%.

As of today, Upstart Holdings's current FCF Yield % is -1.82%.

The historical rank and industry rank for Upstart Holdings's FCF Margin % or its related term are showing as below:

UPST' s FCF Margin % Range Over the Past 10 Years
Min: -83.27 Med: 16.16 Max: 51.57
Current: -7.6

During the past 7 years, the highest FCF Margin % of Upstart Holdings was 51.57%. The lowest was -83.27%. And the median was 16.16%.

UPST's FCF Margin % is ranked worse than
52.18% of 527 companies
in the Credit Services industry
Industry Median: -4.75 vs UPST: -7.60

Upstart Holdings FCF Margin % Historical Data

The historical data trend for Upstart Holdings's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Upstart Holdings FCF Margin % Chart

Upstart Holdings Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

FCF Margin %

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16.16

4.54

18.10

-83.27

-33.96

Upstart Holdings Quarterly Data
	Dec18	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
FCF Margin %	Get a 7-Day Free Trial															-78.88	118.12	-79.06	-107.79	39.81

Competitive Comparison of Upstart Holdings's FCF Margin %

For the Credit Services subindustry, Upstart Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Upstart Holdings's FCF Margin % Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's FCF Margin % falls into.

Upstart Holdings FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Upstart Holdings's FCF Margin for the fiscal year that ended in Dec. 2023 is calculated as

FCF Margin	=	Free Cash Flow (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	-172.579	/	508.119
	=	-33.96 %

Upstart Holdings's FCF Margin for the quarter that ended in Mar. 2024 is calculated as

FCF Margin	=	Free Cash Flow (Q: Mar. 2024 )	/	Revenue (Q: Mar. 2024 )
	=	50.873	/	127.794
	=	39.81 %

Upstart Holdings FCF Margin % Related Terms

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Upstart Holdings (Upstart Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Upstart Holdings Inc (NAS:UPST) » Definitions » FCF Margin %

Comparable Companies

Traded in Other Exchanges

UPST:Mexico 855:Germany 855:Germany

Address

2950 S. Delaware Street, Suite 300, San Mateo, CA, USA, 94403

Website

https://www.upstart.com

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company comprised of fees paid by banks.

Executives

Sanjay Datta	officer: Chief Financial Officer	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Scott Darling	officer: Chief Legal Officer	C/O STITCH FIX, INC., 1 MONTGOMERY STREET, SUITE 1500, SAN FRANCISCO CA 94104
Paul Gu	director, officer: SVP, Product and Data Science	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Natalia Mirgorodskaya	officer: Corporate Controller	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Dave Girouard	director, 10 percent owner, officer: Chief Executive Officer	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Kerry Whorton Cooper	director	77 BEALE ST., P.O. BOX 770000, SAN FRANCISCO CA 94177
Alison Nicoll	officer: General Counsel	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Daniel S Loeb	10 percent owner, other: See Footnote (1)	THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022
Third Point Llc	10 percent owner	55 HUDSON YARDS, NEW YORK NY 10001
Cassidy Sukhinder Singh	director	C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112
Mary Hentges	director	C/O SHOTSPOTTER, INC., 7979 GATEWAY BLVD., STE. 210, NEWARK CA 94560
Terry Hilliard C. Iii	director	ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Anna M. Counselman	officer: SVP, People and Operations	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Jeff Huber	director	209 REDWOOD SHORES PARKWAY, REDWOOD CITY CA 94065
Robert S Schwartz	director	C/O THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022