UPST (Upstart Holdings) Price-to-Operating-Cash-Flow : 31.96 (As of May. 30, 2025)

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What is Upstart Holdings Price-to-Operating-Cash-Flow?

As of today (2025-05-30), Upstart Holdings's share price is $47.17. Upstart Holdings's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Mar. 2025 was $1.48. Hence, Upstart Holdings's Price-to-Operating-Cash-Flow Ratio for today is 31.96.

The historical rank and industry rank for Upstart Holdings's Price-to-Operating-Cash-Flow or its related term are showing as below:

UPST' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 19.78 Med: 40 Max: 174.04
Current: 31.94

During the past 8 years, Upstart Holdings's highest Price-to-Operating-Cash-Flow Ratio was 174.04. The lowest was 19.78. And the median was 40.00.

UPST's Price-to-Operating-Cash-Flow is ranked worse than
77.87% of 253 companies
in the Credit Services industry
Industry Median: 7.27 vs UPST: 31.94

Upstart Holdings's Cash Flow from Operations per share for the three months ended in Mar. 2025 was $-0.14. Its Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Mar. 2025 was $1.48.

During the past 12 months, the average Operating Cash Flow per Share Growth Rate of Upstart Holdings was 911.00% per year. During the past 3 years, the average Operating Cash Flow per Share Growth Rate was 5.50% per year.

During the past 8 years, Upstart Holdings's highest 3-Year average Operating Cash Flow per Share Growth Rate was 83.50% per year. The lowest was -20.70% per year. And the median was 5.50% per year.

Upstart Holdings Price-to-Operating-Cash-Flow Historical Data

The historical data trend for Upstart Holdings's Price-to-Operating-Cash-Flow 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 Price-to-Operating-Cash-Flow Chart

Upstart Holdings Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Price-to-Operating-Cash-Flow

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45.48

85.19

29.56

Upstart Holdings Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Price-to-Operating-Cash-Flow	Get a 7-Day Free Trial															184.18	-	24.55	29.56	31.19

Competitive Comparison of Upstart Holdings's Price-to-Operating-Cash-Flow

For the Credit Services subindustry, Upstart Holdings's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow 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 Price-to-Operating-Cash-Flow Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's Price-to-Operating-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's Price-to-Operating-Cash-Flow falls into.

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Upstart Holdings Price-to-Operating-Cash-Flow Calculation

Upstart Holdings's Price-to-Operating-Cash-Flow ratio for today is calculated as

Price-to-Operating-Cash-Flow Ratio	=	Share Price	/	Cash Flow from Operations per share (TTM)
	=	47.17	/	1.476
	=	31.96

Upstart Holdings's Share Price of today is $47.17.
Upstart Holdings's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Mar. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.48.

Note: Cash Flow from Operations per share is calculated as Cash Flow from Operations divided by Shares Outstanding (Diluted Average).

It can also be calculated from the numbers for the whole company:

Price-to-Operating-Cash-Flow Ratio

Market Cap

Cash Flow from Operations

Upstart Holdings Price-to-Operating-Cash-Flow Related Terms

Thank you for viewing the detailed overview of Upstart Holdings's Price-to-Operating-Cash-Flow provided by GuruFocus.com. Please click on the following links to see related term pages.

Upstart Holdings Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Upstart Holdings Inc (NAS:UPST) » Definitions » Price-to-Operating-Cash-Flow

Comparable Companies

Traded in Other Exchanges

UPST:Mexico 1UPST:Italy 855:Germany

Address

2950 South Delaware Street, Suite 410, 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. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.

Executives

Natalia Mirgorodskaya	officer: Corporate Controller	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
Sanjay Datta	officer: Chief Financial Officer	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Paul Gu	director, officer: SVP, Product and Data Science	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
Cassidy Sukhinder Singh	director	C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112
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
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