Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
27.31
+0.27 (1.00%)
Jul 31, 2026, 12:58 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 | Mar '26 Mar 31, 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 | 472.93 | 652.39 | 788.42 | 368.41 | 422.41 | 986.61 |
Cash & Short-Term Investments | 472.93 | 652.39 | 788.42 | 368.41 | 422.41 | 986.61 |
Cash Growth | -21.15% | -17.25% | 114.01% | -12.78% | -57.19% | 293.35% |
Other Current Assets | 458.4 | 404.62 | 187.84 | 99.38 | 110.06 | 204.63 |
Total Current Assets | 931.33 | 1,057 | 976.26 | 467.79 | 532.47 | 1,191 |
Net Property, Plant & Equipment | 61.61 | 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 | 67.06 |
Long-Term Investments | 1,747 | 1,535 | 1,081 | 1,239 | 1,052 | 40 |
Other Long-Term Assets | 154.56 | 255.39 | 160.49 | 146.23 | 154.35 | 129.39 |
Total Assets | 2,962 | 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 | Mar '26 Mar 31, 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 | - | - | - | - | 18.72 | 6.56 |
Accrued Expenses | 124.59 | 171.5 | 133.8 | 84.05 | 66.95 | 103.42 |
Other Current Liabilities | 164.71 | 154.2 | 147.49 | 195 | 90.78 | 107.6 |
Total Current Liabilities | 289.3 | 325.7 | 281.29 | 279.05 | 176.44 | 217.58 |
Long-Term Debt | 1,922 | 1,829 | 1,402 | 1,040 | 986.39 | 695.43 |
Long-Term Leases | 17.55 | 21.15 | 50.28 | 62.32 | 100.79 | 100.37 |
Total Long-Term Liabilities | 1,939 | 1,850 | 1,452 | 1,103 | 1,087 | 795.8 |
Total Liabilities | 2,229 | 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 | Mar '26 Mar 31, 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 | 1,097 | 1,156 | 1,044 | 917.87 | 714.87 | 740.85 |
Retained Earnings | -364.2 | -357.56 | -411.16 | -282.58 | -42.44 | 66.22 |
Shareholders' Equity | 733.17 | 798.82 | 633.22 | 635.31 | 672.44 | 807.08 |
Total Liabilities & Equity | 2,962 | 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 | Mar '26 Mar 31, 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 | 1,939 | 1,850 | 1,452 | 1,103 | 1,087 | 795.8 |
Net Cash (Debt) | -1,466 | -1,198 | -664.02 | -734.34 | -664.77 | 190.81 |
Net Cash Growth | - | - | - | - | - | 13.06% |
Net Cash Per Share | -13.91 | -11.14 | -7.42 | -8.77 | -8.03 | 2.01 |
Book Value | 733.17 | 798.82 | 633.22 | 635.31 | 672.44 | 807.08 |
Book Value Per Share | 6.95 | 7.43 | 7.08 | 7.58 | 8.12 | 8.52 |
Tangible Book Value | 666.1 | 731.75 | 566.16 | 568.24 | 605.37 | 720.11 |
Tangible Book Value Per Share | 6.32 | 6.81 | 6.33 | 6.78 | 7.31 | 7.60 |