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Total debt at other companies

Enova International logo
Enova InternationalENVA
$4.86B+28.4%
Dave, Inc. logo
Dave, Inc.DAVE
$425K-99.4%
Ally Financial logo
Ally FinancialALLY
$22.76B+26.9%
Blue Owl Technology Finance Corp. logo
Blue Owl Technology Finance Corp.OTF
$6.9B+34.6%
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM

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 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$3.01B-43.6%
Enterprise value$4.02B-29.1%
P/E61×
P/S2.6×-4.7×

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.

Plus components not separately reported this period.

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 total debt?
Upstart Holdings, Inc. (UPST) reported total debt of $1.94B in Q1 2026.
How has Upstart Holdings, Inc.'s total debt changed year-over-year?
Upstart Holdings, Inc.'s total debt increased by 40.3% year-over-year, from $1.38B to $1.94B.
What is the long-term trend for Upstart Holdings, Inc.'s total debt?
Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s total debt has grown at a 86.5% compound annual growth rate (CAGR), from $82.06M to $1.85B.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.