Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
28.61
-1.99 (-6.50%)
Aug 20, 2026, 2:44 PM EDT - Market open
Upstart Holdings Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 455.96 | 652.39 | 788.42 | 368.41 | 422.41 | 986.61 |
Short-Term Investments | 1.78 | 5.06 | 5.19 | 8.92 | - | - |
Trading Asset Securities | 0.1 | 0.23 | 1.86 | 5.96 | - | - |
Cash & Short-Term Investments | 457.84 | 657.67 | 795.47 | 383.28 | 422.41 | 986.61 |
Cash Growth | 14.30% | -17.32% | 107.54% | -9.26% | -57.19% | 293.35% |
Accounts Receivable | 58.19 | 46.65 | 48.23 | 40.49 | 46.65 | - |
Receivables | 1,243 | 1,129 | 876.59 | 1,212 | 1,063 | 260.77 |
Prepaid Expenses | 32.54 | 39.66 | 28.83 | 17.98 | - | - |
Restricted Cash | 526.32 | 404.62 | 187.84 | 99.38 | 110.06 | 204.63 |
Total Current Assets | 2,260 | 2,231 | 1,889 | 1,712 | 1,596 | 1,452 |
Property, Plant & Equipment | 26.6 | 22.08 | 51.47 | 66.05 | 103.1 | 106.88 |
Long-Term Investments | 152.77 | 153.99 | 97.52 | 41.25 | 41.25 | 40 |
Goodwill | 67.06 | 67.06 | 67.06 | 67.06 | 67.06 | 67.06 |
Other Intangible Assets | 49.32 | 46.79 | 40.43 | 42.66 | 43.03 | 33.41 |
Long-Term Accounts Receivable | - | - | - | - | - | 55.52 |
Other Long-Term Assets | 616.01 | 454.31 | 221.74 | 87.69 | 85.89 | 65.59 |
Total Assets | 3,171 | 2,975 | 2,367 | 2,017 | 1,936 | 1,820 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Accounts Payable | 39.39 | 31.98 | 12.38 | 12.61 | 18.72 | 6.56 |
Accrued Expenses | 107.08 | 127.65 | 108.09 | 64.55 | 54.15 | 98.6 |
Current Portion of Leases | 3.12 | 10.61 | - | - | - | - |
Total Current Liabilities | 216.12 | 170.24 | 120.47 | 77.16 | 72.87 | 105.16 |
Long-Term Debt | 1,969 | 1,876 | 1,489 | 1,182 | 986.39 | 695.43 |
Long-Term Leases | 19.24 | 10.54 | 50.28 | 62.32 | 100.79 | 100.37 |
Other Long-Term Liabilities | 169.72 | 119.52 | 73.5 | 60.47 | 103.57 | 112.42 |
Total Liabilities | 2,374 | 2,176 | 1,734 | 1,382 | 1,264 | 1,013 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Common Stock | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Additional Paid-In Capital | 1,145 | 1,156 | 1,044 | 917.87 | 714.87 | 740.85 |
Retained Earnings | -347.66 | -357.56 | -411.16 | -282.58 | -42.44 | 66.22 |
Total Common Equity | 797.49 | 798.82 | 633.22 | 635.31 | 672.44 | 807.08 |
Shareholders' Equity | 797.49 | 798.82 | 633.22 | 635.31 | 672.44 | 807.08 |
Total Liabilities & Equity | 3,171 | 2,975 | 2,367 | 2,017 | 1,936 | 1,820 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Total Debt | 2,058 | 1,897 | 1,540 | 1,244 | 1,087 | 795.8 |
Net Cash (Debt) | -1,600 | -1,239 | -744.3 | -860.88 | -664.77 | 190.81 |
Net Cash Growth | - | - | - | - | - | 13.06% |
Net Cash Per Share | -15.01 | -11.53 | -8.32 | -10.28 | -8.03 | 2.01 |
Filing Date Shares Outstanding | 97.31 | 98.06 | 93.71 | 86.43 | 81.39 | 84.06 |
Total Common Shares Outstanding | 97.31 | 98.03 | 93.47 | 86.33 | 81.26 | 83.66 |
Working Capital | 2,043 | 2,060 | 1,768 | 1,635 | 1,523 | 1,347 |
Book Value Per Share | 8.20 | 8.15 | 6.77 | 7.36 | 8.28 | 9.65 |
Tangible Book Value | 681.11 | 684.96 | 525.73 | 525.59 | 562.34 | 706.61 |
Tangible Book Value Per Share | 7.00 | 6.99 | 5.62 | 6.09 | 6.92 | 8.45 |
Machinery | 12.71 | 11.15 | 10.86 | 10.82 | 10.47 | 7 |
Leasehold Improvements | 19.23 | 15.52 | 15.07 | 14.28 | 13.07 | 7.45 |