← Upstart Holdings, Inc.

UPST

Rule of 40

Rule of 40 combines revenue growth and free cash flow margin in one quarterly score.

Latest Rule of 40: +0 (2026Q1); -58 pts YoY.

Revenue EPS Free Cash Flow Gross Margin FCF Margin P/E Ratio Cumulative FCF Shares Outstanding Rule of 40

Quarterly Rule of 40 Data

Period Value
2024Q2 +83
2024Q3 +200
2024Q4 +137
2025Q1 +58
2025Q2 +46
2025Q3 -27
2025Q4 +70
2026Q1 +0

Fintech Comparison

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SOFI Rule of 40 →

HOOD Rule of 40 →

AFRM Rule of 40 →

Other UPST Charts

More quarter-by-quarter fundamentals for Upstart Holdings, Inc.

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Revenue →

EPS →

Free Cash Flow →

Gross Margin →

FCF Margin →

P/E Ratio →

Cumulative FCF →

Shares Outstanding →