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Upstart Holdings Inc (UPST) Quarterly Cash Flow Statement

Quarterly · GAAP · USD millions
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From Upstart Holdings Inc through Jun 30 2025, changes in Jun 30 2026's operating cash flow provide insight into underlying business performance trends.
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Quarterly Report, GAAP in USD millions
ITEM 		(Jun 30 2026)
6 Months 		(Mar 31 2026) (Dec 31 2025) (Sep 30 2025) (Jun 30 2025)
Operating Activities
Income9.89
Depreciation & amortization12.98
Amortization of Other Assets0.00
Increase (Decrease) in Deferred Revenue0.00
Restructuring & Impairment Charges0.00
Provision For Loan Losses Expensed0.00
Increase (Decrease) in Inventories0.00
R & D, Environmental and Other Expense0.00
Gain (Loss) on Disposition of Assets0.00
Share-based Compensation79.28
Income (Loss) from Equity Method Investments0.00
Financial Instruments and Foreign Currency Transaction11,701.01
Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net-
Purchase Of Loans For Immediate Resale-
Proceeds From Immediate Resale Of Loans-
Increase Decrease In Operating Lease Liability And Right Of Use Asset-0.80
Gain Loss On Loan Servicing Rights And Sale Of Noncontrolling Interests Net-7.47
Increase Decrease In Fair Value Of Servicing Assets5.58
Increase Decrease In Fair Value Of Servicing Liabilities-0.34
Increase Decrease In Fair Value Of Beneficial Interest Assets-10.21
Increase Decrease In Fair Value Of Beneficial Interest Liabilities-2.92
Payments On Beneficial Interest Liabilities1.08
Proceeds From Beneficial Interest Assets Operating Activities3.15
Amortization Of Loan Premium-11.96
Income taxes0.00
Losses/ -gains on Investments net0.00
Increase (Decrease) in Finance Receivables-74.12
Increase (Decrease) in Accounts Payable, Trade0.00
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities-10.19
Deferred Revenue and Customer Advances and Deposits0.00
Increase (Decrease) in Other Financial Instruments Used in Operating Activities1.23
Other Working Capital5.08
Other Noncash Income (Expense)0.00
Other net0.00
Payments for (Proceeds from) Other Operating Activities-11,995.10
Discontinued operations0.00
Net Cash flow from Operating Activities-269.93
Investing Activities
Capital Expenditures-13.24
Sale of Capital Items0.00
Short-term Investments Proceeds0.00
Short-term Investments Acq.0.00
Real Estate Investments0.00
Acquisition Of Beneficial Interests-
Acquisition Of Beneficial Interest Assets-
Settlements Of Beneficial Interest Assets-
Acquisition And Settlements Of Beneficial Interest Assets-1.73
Proceeds From Beneficial Interest Assets Investing Activities45.34
Payments to Acquire Restricted Certificates of Deposit0.00
Payments for (Proceeds from) Loans-6.17
Payments for (Proceeds from) Deposits0.00
Payments to Acquire Other Investments0.00
Payments for (Proceeds from) Federal Reserve and FHLB0.00
Acquisition Net of Cash Acquired0.00
Interest in Subsidiaries and Affiliates0.00
Sale of businesses0.00
Accounts payable0.00
Receivables13.55
Payments for (Proceeds from) Other Investing Activities0.00
Other Net97.17
Discontinued operations0.00
Net Cash Flow from Investing Activities94.96
Financing Activities
Short-term debt Net0.00
Other borrowing transactions0.00
Long-term debt - borrowings424.55
Long-term debt - repayments-253.83
Federal Home Loan Bank and Federal Funds0.00
Issuances / -repurchases of Comm. Stock-93.88
Partnership and Parent Transactions0.00
Issuances / -repurchases of Pref. Stock0.00
Deposits, Annuities, Contract Holders Funds0.00
Other financing activities net0.00
Other net23.40
Payments Made On Securitization Notes And Certificates-
Payments For Capped Calls-
Payment For Repurchase Of Convertible Preferred Stock Warrants-
Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount1.72
Transfer Of Portfolio Loans And Leases To Held For Sale-
Payments of Dividends, Preferred Stock and Preference Stock0.00
Dividends paid0.00
Net Cash Flow from Financing Activities100.24
Effect of exchange rate on cash flow0.00
Discontinued operations0.00
Free Cash Flow-283.17
Total Cash Flow-74.74
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About Upstart Holdings Inc Quarterly Cash Flow Statement

What this statement shows

This page presents issuer-reported cash flow data, including operating, investing, financing, net, and free cash flow, as disclosed in SEC 10-Q filings and normalized by CSIMarket.

Source & verification

Last updated

  • Page updated:
  • Data lineage: SEC filings - XBRL extraction - normalization in the CSIMarket.com database.
  • Accession: 0001647639-26-000063

Figures are derived from filed reports and may be restated. Historical data is subject to revision.