FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Upstart Holdings FCF Yield % Related Terms
Upstart Holdings FCF Yield % Historical Data
* Premium members only.
The historical data trend for Upstart Holdings's FCF Yield % 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.
For the Credit Services subindustry, Upstart Holdings's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's FCF Yield % falls into.
* 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 (FRA:855) has a FCF Yield % of -9.09 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #371 out of 541 companies in the Credit Services industry, placing it in the top 68.6%.
Is Upstart Holdings' FCF Yield % too high?
Upstart Holdings' current FCF Yield % is -9.09. Based on the distribution chart, Upstart Holdings ranks #371 out of 541 companies in the Credit Services industry, which is below the industry midpoint. Overall, Upstart Holdings has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' FCF Yield % compare to BFH and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #371 out of 541 companies for FCF Yield %. This places Upstart Holdings in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Upstart Holdings and its competitors. Upstart Holdings's current FCF Yield % is -9.09. 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?
Based on GuruFocus' analysis, Upstart Holdings (FRA:855) is currently considered Possible Value Trap. The stock's GF Value™ is €52.58, compared to a current price of €28.25 — trading 46.3% below its estimated fair value. The current FCF Yield % is -9.09. Upstart Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current FCF Yield % is -9.09 as of Jun. 26, 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 (FRA:855) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of €28.25 is trading 46.3% below its estimated GF Value™ of €52.58.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for FRA:855:
FCF Yield %: -9.09
GF Value™: €52.58 vs. price of €28.25 (46.3% below fair value)
No single metric tells the full story. See the FRA:855 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).
62GF Score
Get the complete analysis for FRA:855
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:855 has been successfully added to your 
