Upstart Holdings, Inc. (UPST)

Upstart Holdings Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	445.27	368.41	422.41	986.61	250.82	44.39
Cash & Short-Term Investments	445.27	368.41	422.41	986.61	250.82	44.39
Cash Growth	-13.80%	-12.79%	-57.19%	293.35%	465.05%	-39.22%
Receivables	666.44	1,171	1,017	260.77	97.53	266.42
Restricted Cash	210.49	99.38	110.06	204.63	60.51	35.68
Total Current Assets	1,322	1,639	1,549	1,452	408.87	346.49
Property, Plant & Equipment	55.25	66.05	103.1	106.88	22.34	20.02
Long-Term Investments	43.39	47.21	41.25	40	-	-
Goodwill	67.06	67.06	67.06	67.06	-	-
Other Intangible Assets	39.12	42.66	43.03	33.41	6	2.2
Long-Term Accounts Receivable	46.08	40.49	46.65	55.52	11.66	8.32
Other Long-Term Assets	204.37	114.59	85.89	65.59	28.39	16.43
Total Assets	1,809	2,017	1,936	1,820	477.26	393.46
Accounts Payable	22.62	12.61	18.72	6.56	13.78	6.56
Accrued Expenses	72.21	64.55	54.15	98.6	34.34	26.4
Current Portion of Leases	3.75	14.97	-	-	-	-
Other Current Liabilities	-	-	-	-	-	6.8
Total Current Liabilities	98.58	92.13	72.87	105.16	48.11	39.76
Long-Term Debt	987.7	1,182	986.39	695.43	62.63	214.72
Long-Term Leases	49.6	47.36	100.79	100.37	19.43	17.06
Other Long-Term Liabilities	77.57	60.47	103.57	112.42	46.83	21.07
Total Liabilities	1,213	1,382	1,264	1,013	177	292.6
Common Stock	0.01	0.01	0.01	0.01	0.01	0
Additional Paid-In Capital	1,004	917.87	714.87	740.85	369.47	12.49
Retained Earnings	-408.4	-282.58	-42.44	66.22	-69.22	-75.21
Total Common Equity	595.54	635.31	672.44	807.08	300.25	-62.71
Minority Interest	-	-	-	-	-	1.03
Shareholders' Equity	595.54	635.31	672.44	807.08	300.25	100.86
Total Liabilities & Equity	1,809	2,017	1,936	1,820	477.26	393.46
Total Debt	1,041	1,244	1,087	795.8	82.06	231.78
Net Cash (Debt)	-595.78	-875.76	-664.77	190.81	168.76	-187.39
Net Cash Growth	-	-	-	13.07%	-	-
Net Cash Per Share	-6.79	-10.45	-8.03	2.01	9.64	-13.07
Filing Date Shares Outstanding	91.23	86.43	81.39	84.06	73.62	14.56
Total Common Shares Outstanding	91	86.33	81.26	83.66	73.31	14.56
Working Capital	1,224	1,547	1,476	1,347	360.75	306.73
Book Value Per Share	6.54	7.36	8.28	9.65	4.10	-4.31
Tangible Book Value	489.36	525.59	562.34	706.61	294.25	-64.91
Tangible Book Value Per Share	5.38	6.09	6.92	8.45	4.01	-4.46
Machinery	10.86	10.82	10.47	7	3.06	2.31
Leasehold Improvements	15.07	14.28	13.07	7.45	2.76	1.97

Source: S&P Capital IQ. Standard template. Financial Sources.