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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	599.78	788.42	368.41	422.41	986.61	250.82
Short-Term Investments	5.59	5.19	8.92	-	-	-
Trading Asset Securities	1.13	1.86	5.96	-	-	-
Cash & Short-Term Investments	606.49	795.47	383.28	422.41	986.61	250.82
Cash Growth	101.81%	107.54%	-9.26%	-57.19%	293.35%	465.05%
Accounts Receivable	43.01	48.23	40.49	46.65	-	-
Receivables	877.16	876.59	1,212	1,063	260.77	97.53
Prepaid Expenses	28.13	28.83	17.98	-	-	-
Restricted Cash	239.75	187.84	99.38	110.06	204.63	60.51
Total Current Assets	1,752	1,889	1,712	1,596	1,452	408.87
Property, Plant & Equipment	47.76	51.47	66.05	103.1	106.88	22.34
Long-Term Investments	123.03	97.52	41.25	41.25	40	-
Goodwill	67.06	67.06	67.06	67.06	67.06	-
Other Intangible Assets	44.35	40.43	42.66	43.03	33.41	6
Long-Term Accounts Receivable	-	-	-	-	55.52	11.66
Other Long-Term Assets	262.55	221.74	87.69	85.89	65.59	28.39
Total Assets	2,296	2,367	2,017	1,936	1,820	477.26
Accounts Payable	13.34	12.38	12.61	18.72	6.56	13.78
Accrued Expenses	57.23	108.09	64.55	54.15	98.6	34.34
Current Portion of Leases	11.56	15.4	-	-	-	-
Total Current Liabilities	82.13	135.87	77.16	72.87	105.16	48.11
Long-Term Debt	1,411	1,489	1,182	986.39	695.43	62.63
Long-Term Leases	35.52	34.88	62.32	100.79	100.37	19.43
Other Long-Term Liabilities	91.22	73.5	60.47	103.57	112.42	46.83
Total Liabilities	1,620	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	1,090	1,044	917.87	714.87	740.85	369.47
Retained Earnings	-413.6	-411.16	-282.58	-42.44	66.22	-69.22
Total Common Equity	676.64	633.22	635.31	672.44	807.08	300.25
Shareholders' Equity	676.64	633.22	635.31	672.44	807.08	300.25
Total Liabilities & Equity	2,296	2,367	2,017	1,936	1,820	477.26
Total Debt	1,458	1,540	1,244	1,087	795.8	82.06
Net Cash (Debt)	-851.35	-744.3	-860.88	-664.77	190.81	168.76
Net Cash Growth	-	-	-	-	13.06%	-
Net Cash Per Share	-9.33	-8.32	-10.28	-8.03	2.01	9.64
Filing Date Shares Outstanding	95.14	93.71	86.43	81.39	84.06	73.62
Total Common Shares Outstanding	95.07	93.47	86.33	81.26	83.66	73.31
Working Capital	1,669	1,753	1,635	1,523	1,347	360.75
Book Value Per Share	7.12	6.77	7.36	8.28	9.65	4.10
Tangible Book Value	565.24	525.73	525.59	562.34	706.61	294.25
Tangible Book Value Per Share	5.95	5.62	6.09	6.92	8.45	4.01
Machinery	10.86	10.86	10.82	10.47	7	3.06
Leasehold Improvements	15.11	15.07	14.28	13.07	7.45	2.76

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