Upstart Holdings Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	652.39	788.42	368.41	422.41	986.61
Cash & Short-Term Investments	652.39	788.42	368.41	422.41	986.61
Cash Growth	-17.25%	114.01%	-12.78%	-57.19%	293.35%
Other Current Assets	404.62	187.84	99.38	110.06	204.63
Total Current Assets	1,057	976.26	467.79	532.47	1,191
Net Property, Plant & Equipment	60.58	82.47	97.35	130.5	120.38
Other Intangible Assets	-	-	-	-	19.91
Goodwill	67.06	67.06	67.06	67.06	67.06
Long-Term Investments	1,535	1,081	1,239	1,052	40
Other Long-Term Assets	255.39	160.49	146.23	154.35	129.39
Total Assets	2,975	2,367	2,017	1,936	1,820
Accounts Payable	-	-	-	18.72	6.56
Accrued Expenses	171.5	133.8	84.05	66.95	103.42
Other Current Liabilities	154.2	147.49	195	90.78	107.6
Total Current Liabilities	325.7	281.29	279.05	176.44	217.58
Long-Term Debt	1,829	1,402	1,040	986.39	695.43
Long-Term Leases	21.15	50.28	62.32	100.79	100.37
Total Long-Term Liabilities	1,850	1,452	1,103	1,087	795.8
Total Liabilities	2,176	1,734	1,382	1,264	1,013
Common Stock	0.01	0.01	0.01	0.01	0.01
Additional Paid-in Capital	1,156	1,044	917.87	714.87	740.85
Retained Earnings	-357.56	-411.16	-282.58	-42.44	66.22
Shareholders' Equity	798.82	633.22	635.31	672.44	807.08
Total Liabilities & Equity	2,975	2,367	2,017	1,936	1,820
Total Debt	1,850	1,452	1,103	1,087	795.8
Net Cash (Debt)	-1,198	-664.02	-734.34	-664.77	190.81
Net Cash Growth	-	-	-	-	13.06%
Net Cash Per Share	-11.14	-7.42	-8.77	-8.03	2.01
Book Value	798.82	633.22	635.31	672.44	807.08
Book Value Per Share	7.43	7.08	7.58	8.12	8.52
Tangible Book Value	731.75	566.16	568.24	605.37	720.11
Tangible Book Value Per Share	6.81	6.33	6.78	7.31	7.60

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q