Upstart Holdings, Inc.
NASDAQ:UPST
66.9 (USD) • At close September 5, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q1 | 2019 Q4 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets: | ||||||||||||||||||||||
| Current Assets: | ||||||||||||||||||||||
| Cash & Cash Equivalents
| 400.556 | 605.365 | 788.422 | 445.274 | 374.791 | 300.529 | 368.405 | 516.581 | 443.672 | 386.942 | 422.411 | 683.97 | 790.431 | 757.828 | 986.608 | 1,041.46 | 506.287 | 257.017 | 250.819 | 53.234 | -44.389 | 44.389 |
| Short Term Investments
| 0 | 0 | 5.185 | 2.139 | 41.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 88.778 | 0 |
| Cash and Short Term Investments
| 400.556 | 605.365 | 793.607 | 486.524 | 374.791 | 300.529 | 368.405 | 516.581 | 443.672 | 386.942 | 422.411 | 683.97 | 790.431 | 757.828 | 986.608 | 1,041.46 | 506.287 | 257.017 | 250.819 | 53.234 | 44.389 | 44.389 |
| Net Receivables
| 206.846 | 144.259 | 126.557 | 0 | 8.305 | 40.624 | 0 | 0 | 46.051 | 0 | 0 | 0 | 0 | 0 | 55.518 | 29.986 | 31.736 | 18.134 | 11.656 | 18.27 | 0 | 16.642 |
| Inventory
| 0 | 0 | 0 | 0 | -59.968 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets
| 26.95 | 28.129 | 28.83 | 19.549 | 1,009.792 | 1,192.239 | 1,270.642 | 1,073.569 | 861.642 | 1,052.155 | 1,126.658 | 849.87 | 752.451 | 859.231 | 409.88 | 240.429 | 174.816 | 134.137 | 146.392 | 183.905 | 0 | 285.457 |
| Total Current Assets
| 634.352 | 777.753 | 948.994 | 655.767 | 1,392.888 | 1,533.392 | 1,639.047 | 1,590.15 | 1,351.365 | 1,439.097 | 1,549.069 | 1,533.84 | 1,542.882 | 1,617.059 | 1,452.006 | 1,311.875 | 712.839 | 409.288 | 408.867 | 255.409 | 44.389 | 346.488 |
| Non-Current Assets: | ||||||||||||||||||||||
| Property, Plant & Equipment, Net
| 81.562 | 82.964 | 82.468 | 84.646 | 59.072 | 62.791 | 66.049 | 92.949 | 96.659 | 100.459 | 103.103 | 103.865 | 105.506 | 105.235 | 106.877 | 77.923 | 21.557 | 21.363 | 22.342 | 18.064 | 0 | 20.02 |
| Goodwill
| 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 67.062 | 66.866 | 66.866 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets
| 8.86 | 9.145 | 9.431 | 9.716 | 39.802 | 39.987 | 42.656 | 44.825 | 30.7 | 44.462 | 43.031 | 41.3 | 38.668 | 36.637 | 33.406 | 31.975 | 30.331 | 6 | 6 | 4.9 | 0 | 2.2 |
| Goodwill and Intangible Assets
| 75.922 | 76.207 | 76.493 | 106.178 | 106.864 | 107.049 | 109.718 | 111.887 | 97.762 | 111.524 | 110.093 | 108.362 | 105.73 | 103.699 | 100.468 | 98.841 | 97.197 | 6 | 6 | 4.9 | 0 | 2.2 |
| Long Term Investments
| 1,061.247 | 857.056 | 849.418 | 41.25 | 46.373 | 47.2 | 47.208 | 51.046 | 41.25 | 41.25 | 41.25 | 41 | 41 | 41 | 40 | 40 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax Assets
| 0 | 0 | 0 | 2.139 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets
| 624.785 | 502.297 | 409.585 | 254.701 | 215.027 | 177.235 | 155.078 | 155.747 | 176.676 | 129.39 | 132.539 | 128.243 | 121.9 | 120.598 | 121.104 | 77.491 | 72.99 | 51.937 | 40.046 | 31.431 | -44.389 | 24.754 |
| Total Non-Current Assets
| 1,843.516 | 1,518.524 | 1,390.695 | 486.775 | 427.336 | 394.275 | 378.053 | 411.629 | 412.347 | 382.623 | 386.985 | 381.47 | 374.136 | 370.532 | 368.449 | 294.255 | 191.744 | 79.3 | 68.388 | 54.395 | -44.389 | 46.974 |
| Total Assets
| 2,477.868 | 2,296.277 | 2,366.958 | 1,808.98 | 1,820.224 | 1,927.667 | 2,017.1 | 2,001.779 | 1,763.712 | 1,821.72 | 1,936.054 | 1,915.31 | 1,917.018 | 1,987.591 | 1,820.455 | 1,606.13 | 904.583 | 488.588 | 477.255 | 309.804 | 0 | 393.462 |
| Liabilities & Equity: | ||||||||||||||||||||||
| Current Liabilities: | ||||||||||||||||||||||
| Account Payables
| 28.765 | 13.344 | 12.381 | 22.617 | 13.879 | 10.017 | 12.613 | 7.027 | 6.937 | 6.553 | 18.715 | 10.916 | 22.03 | 10.289 | 6.563 | 9.381 | 17.326 | 8.127 | 13.775 | 6.049 | 0 | 6.559 |
| Short Term Debt
| 189.539 | 126.975 | 0 | 3.75 | 7.492 | 362.741 | 0 | 0 | 296.232 | 11.426 | 0 | 0 | 6.432 | 9.139 | 0 | 1.274 | 0 | 3.483 | 0 | 75.713 | 0 | 84.596 |
| Tax Payables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue
| 0 | 0 | 0 | 0 | -258.187 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities
| 74.475 | 51.167 | 108.089 | 72.209 | 49.129 | -310.282 | 0 | 0 | -235.002 | -11.426 | 0 | 0 | -6.432 | -9.139 | 0 | -1.274 | 0 | -3.483 | 0 | -36.521 | 0 | -91.155 |
| Total Current Liabilities
| 292.779 | 191.486 | 310.281 | 98.576 | 70.5 | 62.476 | 92.128 | 58.413 | 68.167 | 57.994 | 72.866 | 71.761 | 95.103 | 102.753 | 105.158 | 77.702 | 83.382 | 50.311 | 48.113 | 37.506 | 0 | 39.757 |
| Non-Current Liabilities: | ||||||||||||||||||||||
| Long Term Debt
| 1,282.773 | 1,254.962 | 1,524.365 | 1,037.3 | 1,075.261 | 1,182.502 | 1,229.198 | 1,246.7 | 1,026.892 | 1,088.495 | 1,087.181 | 1,017.267 | 949.988 | 860.134 | 795.798 | 720.123 | 18.7 | 57.029 | 82.058 | 39.716 | 0 | 51.074 |
| Deferred Revenue Non-Current
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities Non-Current
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities
| 180.306 | 173.187 | 391.305 | 77.568 | 79.753 | 69.891 | 139.984 | 55.902 | 30.508 | 48.023 | 103.572 | 107.714 | 114.856 | 148.2 | 112.421 | 157.537 | 86.405 | 60.658 | 46.832 | 272.18 | 0 | 201.773 |
| Total Non-Current Liabilities
| 1,463.079 | 1,428.149 | 1,423.459 | 1,114.868 | 1,155.014 | 1,252.393 | 1,289.667 | 1,302.602 | 1,057.4 | 1,136.518 | 1,190.753 | 1,124.981 | 1,064.844 | 1,008.334 | 908.219 | 809.339 | 105.105 | 117.687 | 128.89 | 157.085 | 0 | 252.847 |
| Total Liabilities
| 1,755.858 | 1,619.635 | 1,733.74 | 1,213.444 | 1,225.514 | 1,314.869 | 1,381.795 | 1,361.015 | 1,125.567 | 1,194.512 | 1,263.619 | 1,196.742 | 1,159.947 | 1,111.087 | 1,013.377 | 887.041 | 188.487 | 167.998 | 177.003 | 194.591 | 0 | 292.604 |
| Equity: | ||||||||||||||||||||||
| Preferred Stock
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 162.546 | 162.546 | 162.546 |
| Common Stock
| 0.01 | 0.01 | 0.009 | 0.009 | 0.009 | 0.009 | 0.009 | 0.009 | 0.008 | 0.008 | 0.008 | 0.008 | 0.008 | 0.009 | 0.008 | 0.008 | 0.008 | 0.007 | 0.007 | 0.002 | 0 | 0.002 |
| Retained Earnings
| -407.997 | -413.604 | -411.157 | -408.402 | -401.644 | -347.174 | -282.576 | -240.178 | -199.863 | -171.698 | -42.444 | 12.819 | 69.042 | 98.913 | 66.221 | 7.277 | -21.836 | -59.12 | -69.222 | -70.249 | 0 | -75.205 |
| Accumulated Other Comprehensive Income/Loss
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -0 | 0 | 0 | -0 | 0 | -0 | -0 | 0 | 0 | -62.714 | 0 |
| Other Total Stockholders Equity
| 1,129.997 | 1,090.236 | 1,044.366 | 1,003.929 | 996.345 | 959.963 | 917.872 | 880.933 | 838 | 798.898 | 714.871 | 705.741 | 688.021 | 777.582 | 740.849 | 711.804 | 737.924 | 379.703 | 369.467 | 22.914 | 1.026 | 12.489 |
| Total Shareholders Equity
| 722.01 | 676.642 | 633.218 | 595.536 | 594.71 | 612.798 | 635.305 | 640.764 | 638.145 | 627.208 | 672.435 | 718.568 | 757.071 | 876.504 | 807.078 | 719.089 | 716.096 | 320.59 | 300.252 | 115.213 | 100.858 | 99.832 |
| Total Equity
| 722.01 | 676.642 | 633.218 | 595.536 | 594.71 | 612.798 | 635.305 | 640.764 | 638.145 | 627.208 | 672.435 | 718.568 | 757.071 | 876.504 | 807.078 | 719.089 | 716.096 | 320.59 | 300.252 | 115.213 | 100.858 | 100.858 |
| Total Liabilities & Shareholders Equity
| 2,477.868 | 2,296.277 | 2,366.958 | 1,808.98 | 1,820.224 | 1,927.667 | 2,017.1 | 2,001.779 | 1,763.712 | 1,821.72 | 1,936.054 | 1,915.31 | 1,917.018 | 1,987.591 | 1,820.455 | 1,606.13 | 904.583 | 488.588 | 477.255 | 309.804 | 100.858 | 393.462 |