What are Upstart Holdings, Inc.'s total assets?

Upstart Holdings, Inc. (UPST) holds $3.0B in total assets, up 29.0% year over year.

How much debt does Upstart Holdings, Inc. have?

Upstart Holdings, Inc. carries $1.9B in total debt against $733.2M of shareholders' equity, a debt-to-equity ratio of 2.65.

How much cash does Upstart Holdings, Inc. have?

Upstart Holdings, Inc. holds $931.3M in cash and equivalents.

Where does Upstart Holdings, Inc.'s balance sheet data come from?

Every line is extracted from Upstart Holdings, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Upstart Holdings, Inc. UPST Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Cash and cash equivalents	$931.33M-11.9%	$1.06B+26.3%	$836.91M+19.3%	$701.46M-16.4%	$839.53M-14.0%
Restricted cash	$458.4M+13.3%	$404.62M+16.6%	$347.12M+13.6%	$305.52M+27.4%	$239.75M+27.6%
Prepaid expenses and other current assets	$40.59M+2.3%	$39.66M+29.8%	$30.56M+13.4%	$26.95M-4.2%	$28.13M-2.4%
Accrued investment income	$10.7M+4.9%	$10.2M-1.0%	$10.3M+25.6%	$8.2M+10.8%	$7.4M-9.8%
Property and equipment, net	$48M+8.7%	$44.17M-0.2%	$44.26M+0.7%	$43.94M+3.6%	$42.41M+8.7%
Accumulated depreciation	$83.81M+6.9%	$78.42M+8.3%	$72.41M+8.5%	$66.74M+8.8%	$61.35M+10.7%
Operating lease right-of-use assets	7.4%+0.2%	7.1%+1.8%	5.3%+0.1%	5.3%0.0%	5.3%-4,345,499,995%
Goodwill	$67.06M0.0%	$67.06M0.0%	$67.06M0.0%	$67.06M0.0%	$67.06M0.0%
Intangible assets, net	——	——	$8.56M-3.2%	$8.85M-3.1%	$9.13M-3.0%
Other non-current assets	$45.55M+10.6%	$41.17M-82.0%	$229.21M+17.5%	$195.1M+48.6%	$131.27M-18.2%
Equity method investments	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%
Gross loans	$1.01B+3.0%	$984.55M-20.0%	$1.23B+20.6%	$1.02B+25.1%	$814.68M+1.0%
Mortgage servicing rights	$45.44M+11.0%	$40.94M+11.3%	$36.78M+13.4%	$32.44M+12.3%	$28.89M+5.3%
Total assets	$2.96B-0.4%	$2.97B+2.4%	$2.9B+17.2%	$2.48B+7.9%	$2.3B-3.0%
Accounts payable	$22.72M-29.0%	$31.98M+171%	$11.78M-59.0%	$28.77M+116%	$13.34M+7.8%
Accrued expenses	$58.87M-13.7%	$68.23M+70.4%	$40.04M-0.9%	$40.39M+5.4%	$38.32M+1.4%
Accrued compensation	$16.22M-67.1%	$49.28M+33.7%	$36.85M+8.1%	$34.08M+165%	$12.85M-80.1%
Operating lease liabilities, current	$17.55M-17.0%	$21.15M-47.8%	$40.55M-7.5%	$43.83M-6.9%	$47.07M-6.4%
Deposits	$1.62M-68.0%	$5.06M-0.9%	$5.1M+10.6%	$4.62M-17.4%	$5.59M+7.8%
Long-term debt	$1.92B+5.1%	$1.83B-1.4%	$1.86B+29.9%	$1.43B+7.0%	$1.33B-4.8%
Operating Lease Liabilities (Total)	$17.55M-17.0%	$21.15M-47.8%	$40.55M-7.5%	$43.83M-6.9%	$47.07M-6.4%
Other non-current liabilities	$10.93M+61.0%	$6.79M-4.3%	$7.09M+13.6%	$6.25M+53.2%	$4.08M+25.8%
Total liabilities	$2.23B+2.4%	$2.18B+0.7%	$2.16B+23.1%	$1.76B+8.4%	$1.62B-6.6%
Common stock	700M0.0%	700M0.0%	700M0.0%	700M0.0%	700M+7,777,678%
Additional paid-in capital	$1.1B-5.1%	$1.16B+3.3%	$1.12B-0.9%	$1.13B+3.6%	$1.09B+4.4%
Retained earnings	-$364.2M-1.9%	-$357.56M+5.0%	-$376.19M+7.8%	-$408M+1.4%	-$413.6M-0.6%
Total stockholders' equity	$733.17M-8.2%	$798.82M+7.4%	$743.72M+3.0%	$722.01M+6.7%	$676.64M+6.9%
Total liabilities and stockholders' equity	$2.96B-0.4%	$2.97B+2.4%	$2.9B+17.2%	$2.48B+7.9%	$2.3B-3.0%
Financing Receivables	$1.01B+3.0%	$984.55M-20.0%	$1.23B+20.6%	$1.02B+25.1%	$814.68M+1.0%
Interest Receivable - Loans	$10.7M+4.9%	$10.2M-1.0%	$10.3M+25.6%	$8.2M+10.8%	$7.4M-9.8%
Loans and Lending Commitments	$1.01B+3.0%	$984.55M-20.0%	$1.23B+20.6%	$1.02B+25.1%	$814.68M+1.0%
Trading Securities in Marketable Securities	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%
Purchased Credit Deteriorated Loans	$1.01B+3.0%	$984.55M-20.0%	$1.23B+20.6%	$1.02B+25.1%	$814.68M+1.0%
Capitalized Computer Software, Net	$40.2M+4.4%	$38.5M+0.3%	$38.4M+2.7%	$37.4M+6.3%	$35.2M+13.5%
Equity Securities Without Readily Determinable Fair Value - Cumulative Downward Adjustments	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%
Finite-Lived Intangible Assets - Expected Amortization Expense (Year One)	——	——	——	——	——
Investments - Amortized Cost Basis	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%
Net Investment in Lease	$13.61M-17.1%	$16.41M-52.6%	$34.65M-7.9%	$37.62M-7.2%	$40.56M-6.7%
Income earned not collected	$46.07M-1.2%	$46.65M+7.2%	$43.52M-2.6%	$44.68M+3.9%	$43.01M-10.8%
Beneficial interest assets (at fair value)	$474.8M+19.8%	$396.22M+25.3%	$316.2M+18.5%	$266.76M+23.2%	$216.58M+22.5%
Capitalized software licenses	$40.2M+4.4%	$38.5M+0.3%	$38.4M+2.7%	$37.4M+6.3%	$35.2M+13.5%
Intangible assets — net	——	——	$8.56M-3.2%	$8.85M-3.1%	$9.13M-3.0%
Other intangible assets—net	$8M-3.4%	$8.29M-3.3%	$8.58M-3.2%	$8.86M-3.1%	$9.15M-3.0%
Line of credit receivable	$111.92M-0.7%	$112.74M-1.8%	$114.85M+6.9%	$107.46M+31.4%	$81.78M—
Operating lease right-of-use assets	$13.61M-17.1%	$16.41M-52.6%	$34.65M-7.9%	$37.62M-7.2%	$40.56M-6.7%
Other Assets	$154.56M-2.2%	$157.97M-52.8%	$334.55M+11.4%	$300.27M+28.2%	$234.22M+45.9%
Property, plant and equipment at cost	$131.81M+7.5%	$122.6M+5.1%	$116.67M+5.4%	$110.68M+6.7%	$103.75M+9.9%
Fair value of servicing rights	$45.44M+11.0%	$40.94M+11.3%	$36.78M+13.4%	$32.44M+12.3%	$28.89M+5.3%
Operating Lease Right-of-Use Assets in Other Assets	$13.61M-17.1%	$16.41M-52.6%	$34.65M-7.9%	$37.62M-7.2%	$40.56M-6.7%
Software and Technology Licenses, Net	$40.2M+4.4%	$38.5M+0.3%	$38.4M+2.7%	$37.4M+6.3%	$35.2M+13.5%
Lease Liability Payments - 2020 (Remaining Three Months)	——	——	——	——	——
Operating Lease Liability Payments - 2024 (Lessee)	——	——	——	——	——
Operating Lease Liability Payments - 2025 (Lessee)	——	——	——	——	——
Lease Liability Payments - Due Year Two	——	——	——	——	——
Lease Liability Payments - Due Year Three	——	——	——	——	——
Lease Liability Payments - Remainder of Fiscal Year	——	——	——	——	——
Operating Lease Liability Payments Due	——	——	——	——	——
Operating Lease Liability - Undiscounted Excess Amount	——	——	——	——	——
Debt - Unamortized Discount (Premium) and Issuance Costs, Net	$30.1M-4.8%	$31.63M-4.9%	$33.25M+57.1%	$21.17M-5.9%	$22.49M-5.6%
Beneficial interests issued by consolidated variable interest entities	$3.24M-36.3%	$5.08M-61.5%	$13.19M+25.2%	$10.53M+161%	$4.03M-60.0%
Operating Lease Liability Payments - 2027 (Lessee)	——	——	——	——	——
Accrued expenses and other liabilities	$124.59M-27.4%	$171.5M+47.5%	$116.25M-8.3%	$126.73M+61.1%	$78.68M-41.2%
Accrued taxes and other expenses	$58.87M-13.7%	$68.23M+70.4%	$40.04M-0.9%	$40.39M+5.4%	$38.32M+1.4%
Payable to investors	$125.52M+16.6%	$107.66M+15.3%	$93.4M+1.9%	$91.67M+10.3%	$83.11M+38.1%
Payable to securitization note holders (at fair value)	$39.19M-15.8%	$46.54M-15.6%	$55.18M-15.3%	$65.15M-14.2%	$75.9M-13.1%
Notes Payable - Fair Value	——	——	——	——	——
Total debt	$1.94B+4.8%	$1.85B-2.4%	$1.9B+28.8%	$1.47B+6.5%	$1.38B-4.9%
Common Stock Par Value Per Share	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%
Common Stock Shares Issued	95.7M-2.4%	98M+0.8%	97.3M+1.2%	96.1M+1.1%	95.1M+1.7%
Common Stock Shares Outstanding	$103.88M-57.9%	$247.04M-20.1%	$309.31M-30.9%	$447.48M+49.7%	$298.91M-39.7%
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$10K0.0%	$10K0.0%	$10K0.0%	$10K0.0%	$10K+11.1%
Number of Exercisable Options	——	——	——	——	——
Number of Vested and Expected to Vest Options	——	——	——	——	——
Share-Based Payment Award Options Outstanding - Number	9.2M+0.2%	9.2M-1.8%	9.4M-4.8%	9.8M-2.8%	10.1M-5.5%
Share Repurchase Authorization Limit	——	——	——	——	——
Share Repurchase Program - Amount Remaining	——	——	——	——	——
Shares Reserved for Future Issuance Under Stock Plans	28.1M+5.9%	26.5M-2.8%	27.3M-4.2%	28.5M-3.5%	29.5M+15.7%
Weighted Average Exercise Price of Outstanding Options	$23.32+0.9%	$23.11+0.8%	$22.92+2.5%	$22.36+2.1%	$21.91+19.4%
Weighted Average Exercise Price of Vested and Expected to Vest Options	——	——	——	——	——
Cumulative Cost Basis	$131.81M+7.5%	$122.6M+5.1%	$116.67M+5.4%	$110.68M+6.7%	$103.75M+9.9%
Accrued expenses and other liabilities at fair value	$15.86M+4.2%	$15.22M-25.7%	$20.49M+18.9%	$17.24M+70.8%	$10.09M-36.5%
Outstanding principal balance, asset	$8.88B+25.2%	$7.09B+12.5%	$6.3B+23.4%	$5.11B+18.0%	$4.33B+4.1%
Beneficial interest liabilities	$3.2M-37.3%	$5.1M-61.4%	$13.2M+25.7%	$10.5M+163%	$4M-60.4%
Aggregate capital under risk-sharing arrangements	$1.08B+15.7%	$931.76M+16.9%	$797.28M+20.8%	$660.22M+19.3%	$553.57M+20.5%
Common stock, capital shares reserved for future issuance	$28.1M+5.9%	$26.54M-2.8%	$27.31M-4.2%	$28.49M-3.5%	$29.51M+15.7%
Common stock, par value (in dollars per share)	$00.0%	$00.0%	$00.0%	$00.0%	$00.0%
Common stock, shares authorized (in shares)	$700M0.0%	$700M0.0%	$700M0.0%	$700M0.0%	$700M0.0%
Common stock, shares issued (in shares)	$95.71M-2.4%	$98.03M+0.8%	$97.28M+1.2%	$96.09M+1.1%	$95.07M+1.7%
Common Stock, Shares, Outstanding	$95.71M-2.4%	$98.03M+0.8%	$97.28M+1.2%	$96.09M+1.1%	$95.07M+1.7%
Less: net unamortized discount	$30.1M-4.8%	$31.63M-4.9%	$33.25M+57.1%	$21.17M-5.9%	$22.49M-5.6%
Trading securities, cost	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%	$41.25M0.0%
Thereafter	——	——	——	——	——
2028	——	——	——	——	——
2030	——	——	——	——	——
Remainder of 2026	——	——	——	——	——
2027	——	——	——	——	——
2029	——	——	——	——	——
Lessee Operating Lease Liability Payments Due	——	——	——	——	——
Lessee Operating Lease Liability Undiscounted Excess Amount	——	——	——	——	——
Loans held in consolidated securitization	$44.9M-16.5%	$53.8M-16.1%	$64.1M-15.5%	$75.9M-14.6%	$88.9M-13.6%
Total payments due	$1.95B+4.9%	$1.86B-1.5%	$1.89B+30.3%	$1.45B+6.8%	$1.36B-4.8%
Thereafter	——	——	——	——	——
Remaining 2026	——	——	——	——	——
2030	——	——	——	——	——
2027	——	——	——	——	——
2029	——	——	——	——	——
2028	——	——	——	——	——
Operating Lease Weighted Average Discount Rate Percent	$0.07+3.4%	$0.07+33.5%	$0.05+0.9%	$0.05+0.8%	$0.05+0.6%
Other financial assets	$45.55M+10.6%	$41.17M-82.0%	$229.21M+17.5%	$195.1M+48.6%	$131.27M+22.0%
Other Assets, Miscellaneous	$12.84M-26.1%	$17.38M-5.6%	$18.41M-10.4%	$20.55M+20.3%	$17.08M-11.6%
MSRs financing liability	$6.65M+51.6%	$4.38M+127%	$1.93M+10.5%	$1.75M+17.7%	$1.49M+26.0%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price	——	——	——	——	——
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number	——	——	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number	$9.22M+0.2%	$9.2M-1.8%	$9.37M-4.8%	$9.84M-2.8%	$10.12M-5.5%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number	——	——	——	——	——
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	——	——	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$23.32+0.9%	$23.11+0.8%	$22.92+2.5%	$22.36+2.1%	$21.91+19.4%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value	$103.88M-57.9%	$247.04M-20.1%	$309.31M-30.9%	$447.48M+49.7%	$298.91M-39.7%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price	——	——	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Intrinsic Value	——	——	——	——	——
Share Repurchase Program, Authorized, Amount	——	——	——	——	——
Share Repurchase Program, Remaining Authorized, Amount	——	——	——	——	——
Trailing fee liabilities	$6M+3.4%	$5.8M—	$0-100%	$5M+8.7%	$4.6M0.0%
Trailing fee liability (at fair value)	$5.98M+3.8%	$5.76M+7.2%	$5.37M+8.4%	$4.96M+8.4%	$4.57M-0.9%
Unrecorded Unconditional Purchase Obligation	——	——	——	——	——
Remainder of Fiscal Year 2024	——	——	——	——	——
Remainder of Fiscal Year 2025	——	——	——	——	——
Unrecorded Unconditional Purchase Obligation	——	——	——	——	——

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Questions, answered.

What are Upstart Holdings, Inc.'s total assets?: Upstart Holdings, Inc. (UPST) holds $3.0B in total assets, up 29.0% year over year.
How much debt does Upstart Holdings, Inc. have?: Upstart Holdings, Inc. carries $1.9B in total debt against $733.2M of shareholders' equity, a debt-to-equity ratio of 2.65.
How much cash does Upstart Holdings, Inc. have?: Upstart Holdings, Inc. holds $931.3M in cash and equivalents.
Where does Upstart Holdings, Inc.'s balance sheet data come from?: Every line is extracted from Upstart Holdings, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.