Upstart Holdings (XSWX:UPST) Cash Conversion Cycle: (As of Jun. 2026)

Upstart Holdings  (XSWX:UPST) Cash Conversion Cycle Explanation

Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.

Be Aware

CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.

The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.

Upstart Holdings Cash Conversion Cycle Related Terms

The historical data trend for Upstart Holdings's Cash Conversion Cycle 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.

Upstart Holdings Cash Conversion Cycle Chart

Upstart Holdings Annual Data
	Trend	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
Cash Conversion Cycle		Get a 7-Day Free Trial				-	-	-	-	-448.38

Upstart Holdings Quarterly Data
	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26	Jun26
Cash Conversion Cycle	Get a 7-Day Free Trial															-	-	-447.73	-	-

XSWX:UPST vs AGM.A, WU, ECPG: Cash Conversion Cycle Comparison

For the Credit Services subindustry, Upstart Holdings's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle 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 Cash Conversion Cycle vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's Cash Conversion Cycle distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's Cash Conversion Cycle falls into.

Upstart Holdings Cash Conversion Cycle Calculation

Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.

Cash Conversion Cycle is one of several measures of management effectiveness.

Upstart Holdings's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as

Upstart Holdings's Cash Conversion Cycle for the quarter that ended in Jun. 2026 is calculated as:

* 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.

Upstart Holdings Business Description