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Upstart Holdings, Inc.
Upstart Holdings, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 20,278 | 47.7 | 2.91 | 2.58 | 2,269.42 |
| Oct 2026 | 20,445 | 45.5 | 2.77 | 2.58 | 2,159.11 |
| Oct 2026 | 20,135 | 51.6 | 3.02 | 2.58 | 2,350.29 |
| Oct 2026 | 20,319 | 47.1 | 2.88 | 2.58 | 2,231.48 |
| Oct 2026 | 20,367 | 46.5 | 2.84 | 2.58 | 2,204.48 |
| Oct 2026 | 20,306 | 47.3 | 2.89 | 2.58 | 2,242.41 |
| Oct 2026 | 20,304 | 47.3 | 2.89 | 2.58 | 2,237.81 |
| Oct 2026 | 20,275 | 47.7 | 2.91 | 2.58 | 2,251.22 |
| Oct 2026 | 20,286 | 47.6 | 2.90 | 2.58 | 2,253.92 |
Upstart Holdings, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 364,708,000.0 | 308,214,000.0 | 276,218,000.0 | 277,105,000.0 |
| Net Profit | 16,539,000.0 | -6,646,000.0 | 18,636,000.0 | 31,805,000.0 |
| EPS | 0.2 | -0.1 | 0.2 | 0.3 |
Upstart Holdings, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 1,023,985,000.0 | 628,834,000.0 | 508,119,000.0 | 837,760,000.0 | — |
| Net Profit | 53,601,000.0 | -128,581,000.0 | -240,132,000.0 | -108,665,000.0 | — |
| EPS | 0.6 | -1.4 | -2.9 | -1.3 | — |
Upstart Holdings, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 2,974,805,000.0 | 2,366,958,000.0 | 2,017,100,000.0 | 1,936,054,000.0 | — |
| Total Liabilities | 2,175,990,000.0 | 1,733,740,000.0 | 1,381,795,000.0 | 1,263,619,000.0 | — |
| Total Equity | 798,815,000.0 | 633,218,000.0 | 635,305,000.0 | 672,435,000.0 | — |
Owes vs Owns
Upstart Holdings, Inc. owed $0.75 for every $1 it owned in Jun 2026, up from $0.65 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.75× | 0.73× | 0.73× | 0.69× | 0.65× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Upstart Holdings, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 22.1%Receivables 8.6%Fixed assets (tangible) 2.0%Intangible assets 2.5%Long-term investments 1.4%Other assets 63.3%
How it's funded — Dec 2025
Short-term debt 3.3%Long-term debt 58.2%Payables 1.1%Other liabilities 10.6%Shareholders' equity 26.9%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 657.4 | 793.6 | 377.3 | 432.4 |
| Receivables | 256.8 | 126.6 | 55.3 | 52.8 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 60.6 | 82.5 | 97.3 | 130.5 |
| Intangible assets | 75.4 | 76.5 | 78.4 | 82.7 |
| Long-term investments | 41.2 | 41.2 | 41.2 | 41.2 |
| Other assets | 1,883.4 | 1,246.6 | 1,367.4 | 1,196.4 |
| Liabilities & equity | ||||
| Short-term debt | 97.3 | 195.6 | 387.4 | 336.5 |
| Long-term debt | 1,731.8 | 1,206.6 | 653.0 | 649.9 |
| Payables | 32.0 | 12.4 | 12.6 | 18.7 |
| Other liabilities | 314.9 | 319.2 | 328.8 | 258.5 |
| Shareholders' equity | 798.8 | 633.2 | 635.3 | 672.4 |
| Net tangible assets | 723.5 | 556.7 | 556.9 | 589.7 |
Upstart Holdings, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | -147,725,000.0 | 186,331,000.0 | -111,712,000.0 | -657,860,000.0 | — |
| Investing Activities | -177,171,000.0 | -237,726,000.0 | -118,455,000.0 | -114,125,000.0 | — |
| Financing Activities | 405,645,000.0 | 559,871,000.0 | 165,487,000.0 | 113,211,000.0 | — |