Upstart Holdings Inc

Financial Services · Credit Services

23.80$ -3.4% vs. previous close Closing price · As of: Sep 25, 2026

Statements

Balance Sheet

Upstart Holdings Inc (UPST) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Total Assets" came in at 3,171 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size %

Last 12 Full history

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All figures in millions of USD.

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Balance Sheet UPST
Line item	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Total Assets	–	393	–	–	310	477	489	905	1,606	1,820	1,988	1,917	1,915	1,936	1,822	1,764	2,002	2,017	1,928	1,820	1,809	2,367	2,296	2,478	2,905	2,975	2,962	3,171
Current Assets	–	98	44	–	95	296	257	574	1,108	1,089	851	874	770	502	428	444	590	451	384	458	558	1,081	936	832	993	1,199	931	982
Cash	–	51	-44	–	61	259	257	514	1,050	995	767	801	693	432	387	444	525	377	307	380	450	794	605	401	495	657	931	456
Cash & Short-Term Investments	–	51	44	–	61	259	265	514	1,050	995	767	801	693	432	428	444	525	377	307	380	450	794	605	401	495	657	931	456
Receivables	–	42	–	–	31	31	16	45	40	64	55	51	53	53	48	50	44	55	54	60	88	70	62	99	120	97	–	58
Inventory	–	–	–	–	–	12	–	–	30	–	–	–	-460	-1,179	-1,100	-958	-1,118	-1,326	-1,287	-60	–	–	–	–	–	–	–	–
Property, Plant & Equipment	–	20	–	–	23	22	21	30	89	120	30	126	41	44	47	47	–	–	–	–	–	–	–	–	–	–	–	–
Goodwill	–	–	–	–	–	–	–	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67	67
Intangible Assets	–	2.2	–	–	4.9	6.0	6.0	22	21	20	19	18	17	16	15	13	12	11	10	10	9.7	9.4	9.1	8.9	8.6	8.3	8.0	49
Total Liabilities	–	455	–	–	357	177	168	188	887	1,013	1,111	1,160	1,197	1,264	1,195	1,126	1,361	1,382	1,315	1,226	1,213	1,734	1,620	1,756	2,161	2,176	2,229	2,374
Current Liabilities	–	112	–	–	97	79	30	69	67	140	202	285	330	400	6.6	6.9	399	458	397	316	259	458	351	450	378	401	231	70
Short-Term Debt	–	85	–	–	76	40	22	2.7	1.3	48	122	208	270	336	350	279	351	387	352	258	170	196	127	190	141	97	7.5	70
Accounts Payable	–	6.6	–	–	6.0	14	8.1	17	9.4	6.6	10	22	11	19	6.6	6.9	7.0	13	10	14	23	12	13	29	12	32	23	145
Long-Term Debt	–	34	–	–	25	63	42	6.1	649	695	769	648	919	986	1,001	931	1,003	653	654	655	717	1,207	1,208	1,239	1,715	1,732	1,738	1,751
Shareholders' Equity	–	-63	101	–	-47	300	321	716	719	807	877	757	719	672	627	638	641	635	613	595	596	633	677	722	744	799	733	797
Retained Earnings	–	-75	–	–	-70	-69	-59	-22	7.3	66	99	69	13	-42	-172	-200	-240	-283	-347	-402	-408	-411	-414	-408	-376	-358	-364	-348
Shares Outstanding	14	14	15	15	27	26	92	96	97	99	95	84	82	82	82	83	84	86	87	88	90	92	94	103	110	112	97	110

Data as of: September 25, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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