Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
46.68
-0.23 (-0.49%)
Dec 17, 2025, 1:14 PM EST - Market open
Upstart Holdings Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | 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 | Q4 2020 | +5 Quarters |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 | Mar '21 Mar 31, 2021 | Dec '20 Dec 31, 2020 | +5 Quarters |
Cash & Equivalents | 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 | 250.82 | Upgrade |
Short-Term Investments | 5.1 | 4.62 | 5.59 | 5.19 | 4.95 | 4.87 | - | 8.92 | - | - | - | - | - | - | - | - | - | - | - | - | Upgrade |
Trading Asset Securities | 0.82 | - | 1.13 | 1.86 | 2.14 | 5.12 | - | 5.96 | - | - | - | - | - | - | - | - | - | - | - | - | Upgrade |
Cash & Short-Term Investments | 495.71 | 400.56 | 606.49 | 795.47 | 452.36 | 384.79 | 300.53 | 383.28 | 516.58 | 443.67 | 386.94 | 422.41 | 683.97 | 790.43 | 757.83 | 986.61 | 1,041 | 506.29 | 257.02 | 250.82 | Upgrade |
Cash Growth | 9.58% | 4.10% | 101.81% | 107.54% | -12.43% | -13.27% | -22.33% | -9.26% | -24.47% | -43.87% | -48.94% | -57.19% | -34.33% | 56.12% | 194.85% | 293.35% | 1856.38% | - | 479.01% | 465.05% | Upgrade |
Accounts Receivable | 43.52 | 44.68 | 43.01 | 48.23 | 46.08 | 40.02 | - | 40.49 | - | - | - | 46.65 | - | - | - | - | - | - | - | - | Upgrade |
Receivables | 1,350 | 1,119 | 877.16 | 876.59 | 712.51 | 872.29 | 1,094 | 1,212 | 975.12 | 841.47 | 987.24 | 1,063 | 703.91 | 628.46 | 604.37 | 260.77 | 140.11 | 95.31 | 73.22 | 97.53 | Upgrade |
Prepaid Expenses | 30.56 | 26.95 | 28.13 | 28.83 | 19.55 | 18.15 | - | 17.98 | - | - | - | - | - | - | - | - | - | - | - | - | Upgrade |
Restricted Cash | 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 | 60.51 | Upgrade |
Total Current Assets | 2,224 | 1,852 | 1,752 | 1,889 | 1,395 | 1,461 | 1,533 | 1,712 | 1,590 | 1,351 | 1,439 | 1,596 | 1,534 | 1,543 | 1,617 | 1,452 | 1,312 | 712.84 | 409.29 | 408.87 | Upgrade |
Property, Plant & Equipment | 40.51 | 44.16 | 47.76 | 51.47 | 55.25 | 59.07 | 62.79 | 66.05 | 92.95 | 96.66 | 100.46 | 103.1 | 103.87 | 105.51 | 105.24 | 106.88 | 77.92 | 21.56 | 21.36 | 22.34 | Upgrade |
Long-Term Investments | 156.1 | 148.71 | 123.03 | 97.52 | 72.76 | 49.56 | 47.2 | 41.25 | 51.05 | 41.25 | 41.25 | 41.25 | 41 | 41 | 41 | 40 | 40 | - | - | - | Upgrade |
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 | 66.87 | 66.87 | - | - | Upgrade |
Other Intangible Assets | 46.98 | 46.26 | 44.35 | 40.43 | 39.12 | 39.8 | 39.99 | 42.66 | 44.83 | 30.7 | 44.46 | 43.03 | 41.3 | 38.67 | 36.64 | 33.41 | 31.98 | 30.33 | 6 | 6 | Upgrade |
Long-Term Accounts Receivable | - | - | - | - | - | - | 40.62 | - | 41.19 | 46.05 | 42.94 | - | 49.88 | 46.12 | 48.62 | 55.52 | 29.99 | 31.74 | 18.13 | 11.66 | Upgrade |
Other Long-Term Assets | 370.57 | 319.76 | 262.55 | 221.74 | 179.87 | 143.68 | 136.61 | 87.69 | 114.56 | 130.63 | 86.45 | 85.89 | 78.37 | 75.78 | 71.98 | 65.59 | 47.51 | 41.25 | 33.8 | 28.39 | Upgrade |
Total Assets | 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 | 477.26 | Upgrade |
Accounts Payable | 11.78 | 28.77 | 13.34 | 12.38 | 22.62 | 13.88 | 10.02 | 12.61 | 7.03 | 6.94 | 6.55 | 18.72 | 10.92 | 22.03 | 10.29 | 6.56 | 9.38 | 17.33 | 8.13 | 13.78 | Upgrade |
Accrued Expenses | 84.19 | 81.18 | 57.23 | 108.09 | 72.21 | 49.13 | 41.23 | 64.55 | 47.56 | 44.18 | 40.02 | 54.15 | 59.78 | 66.64 | 83.33 | 98.6 | 67.05 | 63.65 | 38.7 | 34.34 | Upgrade |
Current Portion of Leases | 3.86 | 7.71 | 11.56 | 15.4 | 3.75 | 7.49 | 11.23 | - | 3.83 | 17.05 | 11.43 | - | 1.07 | 6.43 | 9.14 | - | 1.27 | 2.41 | 3.48 | - | Upgrade |
Total Current Liabilities | 99.83 | 117.66 | 82.13 | 135.87 | 98.58 | 70.5 | 62.48 | 77.16 | 58.41 | 68.17 | 57.99 | 72.87 | 71.76 | 95.1 | 102.75 | 105.16 | 77.7 | 83.38 | 50.31 | 48.11 | Upgrade |
Long-Term Debt | 1,911 | 1,494 | 1,411 | 1,489 | 987.7 | 1,026 | 1,134 | 1,182 | 1,157 | 930.65 | 1,001 | 986.39 | 918.92 | 856.56 | 769.22 | 695.43 | 649.22 | 6.06 | 41.89 | 62.63 | Upgrade |
Long-Term Leases | 36.69 | 36.13 | 35.52 | 34.88 | 49.6 | 48.88 | 48.13 | 62.32 | 89.53 | 79.19 | 87.62 | 100.79 | 98.35 | 93.43 | 90.91 | 100.37 | 70.9 | 15.37 | 15.14 | 19.43 | Upgrade |
Other Long-Term Liabilities | 113.68 | 108.45 | 91.22 | 73.5 | 77.57 | 79.75 | 69.89 | 60.47 | 55.9 | 47.56 | 48.02 | 103.57 | 107.71 | 114.86 | 148.2 | 112.42 | 89.22 | 83.68 | 60.66 | 46.83 | Upgrade |
Total Liabilities | 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 | 177 | Upgrade |
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 | Upgrade |
Additional Paid-In Capital | 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 | 369.47 | Upgrade |
Retained Earnings | -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 | -69.22 | Upgrade |
Total Common Equity | 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 | 300.25 | Upgrade |
Shareholders' Equity | 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 | 300.25 | Upgrade |
Total Liabilities & Equity | 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 | 477.26 | Upgrade |
Total Debt | 1,951 | 1,537 | 1,458 | 1,540 | 1,041 | 1,083 | 1,194 | 1,244 | 1,251 | 1,027 | 1,100 | 1,087 | 1,018 | 956.42 | 869.27 | 795.8 | 721.4 | 23.84 | 60.51 | 82.06 | Upgrade |
Net Cash (Debt) | -1,456 | -1,137 | -851.35 | -744.3 | -588.69 | -697.97 | -893.2 | -860.88 | -733.95 | -583.22 | -712.98 | -664.77 | -334.37 | -165.99 | -111.45 | 190.81 | 320.06 | 482.45 | 196.51 | 168.76 | Upgrade |
Net Cash Growth | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.06% | - | - | - | - | Upgrade |
Net Cash Per Share | -13.27 | -11.05 | -9.03 | -8.07 | -6.53 | -7.89 | -10.26 | -10.06 | -8.70 | -7.02 | -8.70 | -8.08 | -4.09 | -1.98 | -1.17 | 1.93 | 3.33 | 5.09 | 2.15 | 6.49 | Upgrade |
Filing Date Shares Outstanding | 97.29 | 96.22 | 95.14 | 93.71 | 91.23 | 89.51 | 87.88 | 86.43 | 85.06 | 83.89 | 82.67 | 81.39 | 81.88 | 81.35 | 84.77 | 84.06 | 81.96 | 77.77 | 76.9 | 73.62 | Upgrade |
Total Common Shares Outstanding | 97.28 | 96.09 | 95.07 | 93.47 | 91 | 89.08 | 87.81 | 86.33 | 85.02 | 83.81 | 82.6 | 81.26 | 81.83 | 82.19 | 84.68 | 83.66 | 81.54 | 77.63 | 73.91 | 73.31 | Upgrade |
Working Capital | 2,124 | 1,734 | 1,669 | 1,753 | 1,296 | 1,391 | 1,471 | 1,635 | 1,532 | 1,283 | 1,381 | 1,523 | 1,462 | 1,448 | 1,514 | 1,347 | 1,234 | 629.46 | 358.98 | 360.75 | Upgrade |
Book Value Per Share | 7.65 | 7.51 | 7.12 | 6.77 | 6.54 | 6.68 | 6.98 | 7.36 | 7.54 | 7.61 | 7.59 | 8.28 | 8.78 | 9.21 | 10.35 | 9.65 | 8.82 | 9.22 | 4.34 | 4.10 | Upgrade |
Tangible Book Value | 629.68 | 608.69 | 565.24 | 525.73 | 489.36 | 487.85 | 505.75 | 525.59 | 528.88 | 540.38 | 515.68 | 562.34 | 610.21 | 651.34 | 772.81 | 706.61 | 620.25 | 618.9 | 314.59 | 294.25 | Upgrade |
Tangible Book Value Per Share | 6.47 | 6.33 | 5.95 | 5.62 | 5.38 | 5.48 | 5.76 | 6.09 | 6.22 | 6.45 | 6.24 | 6.92 | 7.46 | 7.92 | 9.13 | 8.45 | 7.61 | 7.97 | 4.26 | 4.01 | Upgrade |
Machinery | 10.91 | 10.91 | 10.86 | 10.86 | 10.86 | 10.85 | 10.85 | 10.82 | 10.79 | 10.77 | 10.74 | 10.47 | 10.3 | 10.08 | 7.74 | 7 | 5.03 | 4.47 | 3.48 | 3.06 | Upgrade |
Leasehold Improvements | 15.24 | 15.14 | 15.11 | 15.07 | 15.07 | 15.03 | 14.93 | 14.28 | 14.05 | 13.94 | 13.92 | 13.07 | 12.15 | 10.34 | 8.69 | 7.45 | 5.8 | 3.41 | 2.76 | 2.76 | Upgrade |
Updated Nov 4, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.