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Upstart HoldingsXSWX:UPST -0.63%59 3-Year FCF Growth Rate is 42.70% as of Jun. 2026, which is 73% above its 10-year median of 24.75. GuruFocus rates XSWX:UPST with a GF Score™ of 59/100 and a GF Value™ of CHF49.42. The stock has 5 warning signs investors should review. Among 315 Credit Services companies, Upstart Holdings ranks better than 82.86% on this metric.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 42.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 9 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Upstart Holdings was 62.60% per year. The lowest was -22.60% per year. And the median was 24.75% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Upstart Holdings 3-Year FCF Growth Rate Related Terms
XSWX:UPST vs AGM.A, WU, ECPG: 3-Year FCF Growth Rate Comparison
For the Credit Services subindustry, Upstart Holdings's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 42.70% mean?
Upstart Holdings (XSWX:UPST) has a 3-Year FCF Growth Rate of 42.70% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Upstart Holdings and its competitors. This is 73% above median its historical median of 24.75. According to the industry distribution chart, Upstart Holdings ranks #54 out of 315 companies in the Credit Services industry, placing it in the top 17.1%.
Is Upstart Holdings' 3-Year FCF Growth Rate too high?
Upstart Holdings' current 3-Year FCF Growth Rate of 42.70% is 73% above median its 10-year median of 24.75. The Credit Services industry median 3-Year FCF Growth Rate is 1.80. Upstart Holdings' value of 42.70% is 2272.2% above this industry median. Based on the distribution chart, Upstart Holdings ranks #54 out of 315 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Upstart Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' 3-Year FCF Growth Rate compare to AGM.A and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #54 out of 315 companies for 3-Year FCF Growth Rate. This places Upstart Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 1.80. Upstart Holdings' value of 42.70% is 2272.2% above this benchmark. While the company's 10-year median is 24.75 vs. the industry median of 1.80, Upstart Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Credit Services company?
The median 3-Year FCF Growth Rate among Credit Services companies is 1.80, based on 315 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upstart Holdings's current 3-Year FCF Growth Rate of 42.70% is 2272.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Upstart Holdings and its competitors. For the Credit Services industry, the median 3-Year FCF Growth Rate is 1.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current 3-Year FCF Growth Rate is 42.70%, which is 73% above median its own 10-year median of 24.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upstart Holdings stock overvalued right now?
Upstart Holdings (XSWX:UPST) has a current 3-Year FCF Growth Rate of 42.70%. The stock's GF Value™ is CHF49.42, compared to a current price of CHF20.55 — trading 58.4% below its estimated fair value. The current 3-Year FCF Growth Rate is 42.70%, which is 73% above median its 10-year median of 24.75 and 2272.2% above the Credit Services industry median of 1.80. Upstart Holdings' overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current 3-Year FCF Growth Rate is 42.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upstart Holdings (XSWX:UPST) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of CHF20.55 is trading 58.4% below its estimated GF Value™ of CHF49.42.
Key valuation signals for XSWX:UPST:
3-Year FCF Growth Rate: 42.70% (73% above median its 10-year median of 24.75)
GF Value™: CHF49.42 vs. price of CHF20.55 (58.4% below fair value)
Industry Position: 2272.2% above the Credit Services median (#54 of 315)
No single metric tells the full story. See the XSWX:UPST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
59GF Score
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