undamentalytics Newsletter
Sign in

Upstart Holdings, Inc. balance sheet

At the end of fiscal 2025, Upstart Holdings, Inc. had total assets of $2.97bn, total liabilities of $2.18bn and shareholders' equity of $799m. It held $652m in cash against $1.83bn of debt.

Balance sheet

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Cash and equivalents803111,191532368788652461
Goodwill—0676767676767
Total assets—4771,8201,9362,0172,3672,9753,339
Total debt0636959861,0401,4021,8292,027
Total liabilities—1771,0131,2641,3821,7342,1762,452
Shareholders' equity−62300807672635633799887
Shares outstanding——84m81m86m93m98m99m

Balances at each fiscal year end (quarter end in the quarterly view). Total debt is short- plus long-term borrowings, including lease debt where the company reports it within debt. Where assets do not equal liabilities plus shareholders' equity, the difference (non-controlling interests, redeemable preferred shares) is shown on its own line.

Compare with peers

Head to head: PRAA vs UPSTPGY vs UPSTEZPW vs UPSTUPST vs XYF

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Upstart Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved November 3, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Upstart Holdings, Inc.