Upstart Holdings, Inc. (BMV:UPST)

Upstart Holdings Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	395.94	788.42	368.41	422.41	986.61	250.82
Short-Term Investments	4.62	5.19	8.92	-	-	-
Trading Asset Securities	-	1.86	5.96	-	-	-
Cash & Short-Term Investments	400.56	795.47	383.28	422.41	986.61	250.82
Cash Growth	4.10%	107.54%	-9.26%	-57.19%	293.35%	465.05%
Accounts Receivable	44.68	48.23	40.49	46.65	-	-
Receivables	1,119	876.59	1,212	1,063	260.77	97.53
Prepaid Expenses	26.95	28.83	17.98	-	-	-
Restricted Cash	305.52	187.84	99.38	110.06	204.63	60.51
Total Current Assets	1,852	1,889	1,712	1,596	1,452	408.87
Property, Plant & Equipment	44.16	51.47	66.05	103.1	106.88	22.34
Long-Term Investments	148.71	97.52	41.25	41.25	40	-
Goodwill	67.06	67.06	67.06	67.06	67.06	-
Other Intangible Assets	46.26	40.43	42.66	43.03	33.41	6
Long-Term Accounts Receivable	-	-	-	-	55.52	11.66
Other Long-Term Assets	319.76	221.74	87.69	85.89	65.59	28.39
Total Assets	2,478	2,367	2,017	1,936	1,820	477.26
Accounts Payable	28.77	12.38	12.61	18.72	6.56	13.78
Accrued Expenses	81.18	108.09	64.55	54.15	98.6	34.34
Current Portion of Leases	7.71	15.4	-	-	-	-
Total Current Liabilities	117.66	135.87	77.16	72.87	105.16	48.11
Long-Term Debt	1,494	1,489	1,182	986.39	695.43	62.63
Long-Term Leases	36.13	34.88	62.32	100.79	100.37	19.43
Other Long-Term Liabilities	108.45	73.5	60.47	103.57	112.42	46.83
Total Liabilities	1,756	1,734	1,382	1,264	1,013	177
Common Stock	0.01	0.01	0.01	0.01	0.01	0.01
Additional Paid-In Capital	1,130	1,044	917.87	714.87	740.85	369.47
Retained Earnings	-408	-411.16	-282.58	-42.44	66.22	-69.22
Total Common Equity	722.01	633.22	635.31	672.44	807.08	300.25
Shareholders' Equity	722.01	633.22	635.31	672.44	807.08	300.25
Total Liabilities & Equity	2,478	2,367	2,017	1,936	1,820	477.26
Total Debt	1,537	1,540	1,244	1,087	795.8	82.06
Net Cash (Debt)	-1,137	-744.3	-860.88	-664.77	190.81	168.76
Net Cash Growth	-	-	-	-	13.06%	-
Net Cash Per Share	-12.22	-8.32	-10.28	-8.03	2.01	9.64
Filing Date Shares Outstanding	96.22	93.71	86.43	81.39	84.06	73.62
Total Common Shares Outstanding	96.09	93.47	86.33	81.26	83.66	73.31
Working Capital	1,734	1,753	1,635	1,523	1,347	360.75
Book Value Per Share	7.51	6.77	7.36	8.28	9.65	4.10
Tangible Book Value	608.69	525.73	525.59	562.34	706.61	294.25
Tangible Book Value Per Share	6.33	5.62	6.09	6.92	8.45	4.01
Machinery	10.91	10.86	10.82	10.47	7	3.06
Leasehold Improvements	15.14	15.07	14.28	13.07	7.45	2.76

Updated Feb 14, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.