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Debt-to-assets at other companies

Enova International logo
Enova InternationalENVA
0.7×0.0×
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
0.0×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
0.7×0.0×
Dave, Inc. logo
Dave, Inc.DAVE
-0.2×
Ally Financial logo
Ally FinancialALLY
0.1×0.0×
Blue Owl Technology Finance Corp. logo
Blue Owl Technology Finance Corp.OTF
0.5×+0.1×

Other financials

Income statement

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Revenue$308.2M+44.4%
Operating income-$7.5M-67.2%
Net income-$6.6M-172%
EPS (diluted)-$0.07-133%

Balance sheet

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Cash & equivalents$931.3M+10.9%
Total debt$1.9B+40.3%
Total equity$733.2M+8.4%
Total assets$3.0B+29.0%

Cash flow

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Operating cash flow-$133.3M-888%
CapEx$2.8M
Free cash flow-$136.0M-909%

Valuation

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Market cap$3.12B-43.6%

Profitability

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Operating margin3.5%+1.9pp
Net margin4.3%+2.6pp
FCF margin27%+16.9pp

Returns & leverage

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Return on equity7%+4.4pp
Debt / equity2.6×+0.6×

Where this comes from

Calculated from Upstart Holdings, Inc.’s reported figures.

Based on the most recent quarter.

The official record: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Upstart Holdings, Inc.'s debt-to-assets?
Upstart Holdings, Inc. (UPST) reported debt-to-assets of 0.7× in Q1 2026.
How has Upstart Holdings, Inc.'s debt-to-assets changed year-over-year?
Upstart Holdings, Inc.'s debt-to-assets increased by 8.8% year-over-year, from 0.6× to 0.7×.
What is the long-term trend for Upstart Holdings, Inc.'s debt-to-assets?
Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s debt-to-assets has grown at a 29.3% compound annual growth rate (CAGR), from 0.2× to 0.6×.
What does debt-to-assets mean?
Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.