Upstart Holdings, Inc. — Earnings Quality Grade F
UPST · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
AR growth 19.1% vs revenue growth 23.8%
Revenue grew 62.8% but CFFO declined -179.3%
Expense Quality
No material inventory
CapEx growth 84.3% vs revenue 62.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
FCF is negative ($-0.2B)
Accruals ratio = 6.8%. Elevated
Cash $0.7B covers only 36% of debt $1.9B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 9% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions negative for 2/3 years
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Upstart Holdings, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25