Upstart Holdings, Inc. (UPST)

Upstart Holdings Balance Sheet

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

Fiscal Quarter	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021
Period Ending	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021
Cash & Equivalents	652.39	489.78	395.94	599.78	788.42	445.27	374.79	300.53	368.41	516.58	443.67	386.94	422.41	683.97	790.43	757.83	986.61	1,041	506.29	257.02
Cash & Short-Term Investments	652.39	489.78	395.94	599.78	788.42	445.27	374.79	300.53	368.41	516.58	443.67	386.94	422.41	683.97	790.43	757.83	986.61	1,041	506.29	257.02
Cash Growth	-17.25%	10.00%	5.64%	99.57%	114.01%	-13.80%	-15.53%	-22.33%	-12.78%	-24.47%	-43.87%	-48.94%	-57.19%	-34.33%	56.12%	194.85%	293.35%	1856.38%	1040.57%	251.89%
Other Current Assets	404.62	347.12	305.52	239.75	187.84	210.49	185.83	138.62	99.38	98.45	66.22	64.92	110.06	145.96	123.99	254.87	204.63	130.3	111.25	79.05
Total Current Assets	1,057	836.91	701.46	839.53	976.26	655.77	560.62	439.15	467.79	615.03	509.89	451.86	532.47	829.93	914.42	1,013	1,191	1,172	617.53	336.07
Net Property, Plant & Equipment	60.58	78.91	81.56	82.96	82.47	84.65	88.87	92.49	97.35	125.35	127.36	130.36	130.5	128.47	126.41	123.04	120.38	88.92	29.76	27.36
Other Intangible Assets	-	-	-	-	-	-	-	-	-	-	-	14.56	-	16.7	17.77	18.84	19.91	20.98	22.13	-
Goodwill	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	67.06	66.87	66.87	-
Long-Term Investments	1,535	1,587	1,328	1,073	1,081	828.85	959.68	1,184	1,239	1,051	69.91	993.7	1,052	41	41	41	40	182.06	100.49	16.03
Other Long-Term Assets	255.39	334.55	300.27	234.22	160.49	172.65	143.99	144.63	146.23	143.78	151.92	134.4	154.35	131.7	126.6	126.98	129.39	77.79	73.21	51.94
Total Assets	2,975	2,905	2,478	2,296	2,367	1,809	1,820	1,928	2,017	2,002	1,764	1,822	1,936	1,915	1,293	1,390	1,820	1,606	904.58	488.59
Accounts Payable	-	-	-	-	-	-	-	-	-	7.03	6.94	6.55	18.72	10.92	22.03	10.29	6.56	9.38	17.33	8.13
Accrued Expenses	171.5	116.25	126.73	78.68	133.8	111.62	77.26	62.06	84.05	51.85	47.69	46.99	66.95	73.65	75.79	91.72	103.42	71.95	70.38	42.87
Other Current Liabilities	154.2	148.58	156.82	159.02	147.49	161.11	179.15	188.17	195	205.39	44.05	41.05	90.78	93.84	105.71	139.8	107.6	84.31	76.95	56.49
Total Current Liabilities	325.7	264.83	283.55	237.7	281.29	272.73	256.41	250.23	279.05	264.27	98.68	94.59	176.44	178.41	203.53	241.81	217.58	165.64	164.65	107.49
Long-Term Debt	1,829	1,856	1,428	1,335	1,402	887.37	912.73	1,005	1,040	1,003	930.65	1,001	986.39	918.92	856.56	769.22	695.43	649.22	6.06	41.89
Long-Term Leases	21.15	40.55	43.83	47.07	50.28	53.35	56.37	59.36	62.32	93.35	96.24	99.05	100.79	99.42	99.87	100.05	100.37	72.18	17.78	18.62
Other Long-Term Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.08	0.08	-
Total Long-Term Liabilities	1,850	1,896	1,472	1,382	1,452	940.72	969.1	1,065	1,103	1,097	1,027	1,100	1,087	1,018	956.42	869.27	795.8	721.48	23.92	60.51
Total Liabilities	2,176	2,161	1,756	1,620	1,734	1,213	1,226	1,315	1,382	1,361	1,126	1,195	1,264	1,197	1,160	1,111	1,013	887.04	188.49	168
Common Stock	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Additional Paid-in Capital	1,156	1,120	1,130	1,090	1,044	1,004	996.35	959.96	917.87	880.93	838	798.9	714.87	705.74	688.02	777.58	740.85	711.8	737.92	379.7
Retained Earnings	-357.56	-376.19	-408	-413.6	-411.16	-408.4	-401.64	-347.17	-282.58	-240.18	-199.86	-171.7	-42.44	12.82	69.04	98.91	66.22	7.28	-21.84	-59.12
Total Common Shareholders' Equity	798.82	743.72	722.01	676.64	633.22	595.54	594.71	612.8	635.31	640.76	638.15	627.21	672.44	718.57	757.07	876.5	807.08	719.09	716.1	320.59
Shareholders' Equity	798.82	743.72	722.01	676.64	633.22	595.54	594.71	612.8	635.31	640.76	638.15	627.21	672.44	718.57	757.07	876.5	807.08	719.09	716.1	320.59
Total Liabilities & Equity	2,975	2,905	2,478	2,296	2,367	1,809	1,820	1,928	2,017	2,002	1,764	1,822	1,936	1,915	1,917	1,988	1,820	1,606	904.58	488.59
Total Debt	1,850	1,896	1,472	1,382	1,452	940.72	969.1	1,065	1,103	1,097	1,027	1,100	1,087	1,018	956.42	869.27	795.8	721.4	23.84	60.51
Net Cash (Debt)	-1,198	-1,407	-1,076	-782.16	-664.02	-495.44	-594.31	-764.11	-734.34	-580.17	-583.22	-712.98	-664.77	-334.37	-165.99	-111.45	190.81	320.06	482.45	196.51
Net Cash Growth	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.06%	-	-	-
Net Cash Per Share	-10.67	-12.82	-10.46	-8.30	-7.20	-5.50	-6.72	-8.78	-8.58	-6.87	-7.02	-8.70	-8.08	-4.09	-1.98	-1.17	1.93	3.33	5.09	2.15
Book Value	798.82	743.72	722.01	676.64	633.22	595.54	594.71	612.8	635.31	640.76	638.15	627.21	672.44	718.57	757.07	876.5	807.08	719.09	716.1	320.59
Book Value Per Share	7.12	6.78	7.02	7.18	6.87	6.61	6.72	7.04	7.42	7.59	7.68	7.66	8.18	8.80	9.03	9.18	8.17	7.49	7.55	3.51
Tangible Book Value	731.75	676.66	654.95	609.58	566.16	528.47	527.65	545.74	568.24	573.7	571.08	545.58	605.37	634.81	672.24	790.61	720.11	631.25	627.1	320.59
Tangible Book Value Per Share	6.52	6.17	6.37	6.47	6.14	5.86	5.97	6.27	6.64	6.80	6.87	6.66	7.36	7.77	8.02	8.28	7.29	6.57	6.61	3.51

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

SEC Filings: 10-K · 10-Q