Upstart Holdings, Inc. (UPST) quarterly balance sheet — complete assets, liabilities & equity history
Upstart Holdings, Inc. (UPST) balance sheet — 8-year assets, liabilities & shareholders' equity history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Cash & Short Term Investments | 461.48M | 457.74M | 474.55M | 657.45M | 494.89M | 400.56M | 605.37M | 793.61M | 450.22M | 379.66M | 306.97M | 377.32M | 525.25M | 453.91M | 396.78M | 432.41M | 692.77M | 800.86M | 766.65M | 994.99M |
| Cash & Due from Banks | 461.48M | 457.74M | 474.55M | 657.45M | 494.89M | 400.56M | 605.37M | 793.61M | 450.22M | 379.66M | 306.97M | 377.32M | 525.25M | 453.91M | 396.78M | 432.41M | 692.77M | 800.86M | 766.65M | 994.99M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 799.26M | 1.11B | 1.06B | 1.03B | 1.27B | 1.06B | 857.06M | 849.42M | 699.51M | 867M | 1.13B | 1.2B | 1.02B | 889.15M | 1.02B | 1.05B | 741.46M | 664.76M | 638.98M | 292.48M |
| Investments Growth % | -37.17% | 4.15% | 23.14% | 20.77% | 81.85% | 22.4% | -24.02% | -29.43% | -31.65% | -2.49% | 10.22% | 14.45% | 38.02% | 33.76% | 60.17% | 259.57% | 337.11% | 707.62% | 1017.31% | 272.77% |
| Long-Term Investments | 799.26M | 1.11B | 1.06B | 1.03B | 1.27B | 1.06B | 857.06M | 849.42M | 699.51M | 867M | 1.13B | 1.2B | 1.02B | 889.15M | 1.02B | 1.05B | 741.46M | 664.76M | 638.98M | 292.48M |
| Accounts Receivables | 53.38M | 0 | 0 | 0 | 43.52M | 44.68M | 43.01M | 48.23M | 46.08M | 40.02M | 40.62M | 40.49M | 41.19M | 46.05M | 42.94M | 46.65M | 49.88M | 46.12M | 48.62M | 55.52M |
| Goodwill & Intangibles | 74.5M | 74.78M | 75.07M | 75.35M | 75.64M | 75.92M | 76.21M | 76.49M | 76.78M | 77.06M | 77.35M | 78.42M | 79.49M | 80.56M | 81.62M | 82.69M | 83.76M | 84.83M | 85.9M | 86.97M |
| Goodwill | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M |
| Intangible Assets | 7.43M | 7.72M | 8M | 8.29M | 8.57M | 8.86M | 9.14M | 9.43M | 9.72M | 10M | 10.29M | 11.36M | 12.43M | 13.49M | 14.56M | 15.63M | 16.7M | 17.77M | 18.84M | 19.91M |
| PP&E (Net) | 51.13M | 68.2M | 61.61M | 60.58M | 78.91M | 81.56M | 82.96M | 82.47M | 84.65M | 88.87M | 92.49M | 97.35M | 125.35M | 127.36M | 130.36M | 130.5M | 128.47M | 126.41M | 123.03M | 120.38M |
| Other Assets | 531.94M | 786.07M | 691.06M | 613.92M | 485.41M | 426.72M | 344.33M | 278.01M | 390.37M | 329.51M | 245.78M | 187.07M | 183.28M | 145.18M | 119.49M | 169.2M | 191.96M | 166.94M | 289.15M | 231.83M |
| Total Current Assets | 1.88B | 1.14B | 1.08B | 1.2B | 992.84M | 832.42M | 935.72M | 1.08B | 557.68M | 457.78M | 383.98M | 450.64M | 590.28M | 521.46M | 466.76M | 501.99M | 769.67M | 874.08M | 850.53M | 1.09B |
| Total Non-Current Assets | 1.46B | 2.03B | 1.88B | 1.78B | 1.91B | 1.65B | 1.36B | 1.29B | 1.25B | 1.36B | 1.54B | 1.57B | 1.41B | 1.24B | 1.35B | 1.43B | 1.15B | 1.04B | 1.14B | 731.65M |
| Total Assets | 3.34B | 3.17B | 2.96B | 2.97B | 2.9B | 2.48B | 2.3B | 2.37B | 1.81B | 1.82B | 1.93B | 2.02B | 2B | 1.76B | 1.82B | 1.94B | 1.92B | 1.92B | 1.99B | 1.82B |
| Asset Growth % | 14.95% | 27.98% | 28.98% | 25.68% | 60.58% | 36.13% | 19.12% | 17.34% | -9.63% | 3.2% | 5.82% | 4.19% | 4.51% | -8% | -8.35% | 6.35% | 19.25% | 111.92% | 306.8% | 281.44% |
| Return on Assets (ROA) | 1.12% | 0.54% | -0.22% | 0.63% | 1.18% | 0.23% | -0.1% | -0.13% | -0.37% | -2.91% | -3.28% | -2.11% | -2.14% | -1.57% | -6.88% | -2.87% | -2.93% | -1.53% | 1.72% | 3.44% |
| Accounts Payable | 22.72M | 39.39M | 22.72M | 31.98M | 11.78M | 28.77M | 13.34M | 12.38M | 22.62M | 13.88M | 10.02M | 12.61M | 7.03M | 6.94M | 6.55M | 18.71M | 10.92M | 22.03M | 10.29M | 6.56M |
| Total Debt | 2.11B | 2.03B | 1.94B | 1.85B | 1.9B | 1.47B | 1.38B | 1.45B | 940.72M | 969.1M | 1.06B | 1.1B | 1.1B | 1.03B | 1.1B | 1.09B | 1.02B | 956.42M | 869.27M | 795.8M |
| Net Debt | 1.65B | 1.57B | 1.46B | 1.19B | 1.4B | 1.07B | 776.57M | 658.84M | 490.49M | 589.44M | 757.67M | 725.42M | 571.5M | 572.99M | 703.14M | 654.77M | 325.57M | 155.56M | 102.63M | -199.19M |
| Long-Term Debt | 2.05B | 1.75B | 1.74B | 1.73B | 1.72B | 1.24B | 1.21B | 1.21B | 717.28M | 654.54M | 653.77M | 653M | 652.24M | 651.48M | 650.71M | 649.94M | 649.19M | 648.43M | 647.67M | 647.4M |
| Short-Term Debt | 0 | 251.76M | 183.31M | 97.33M | 140.52M | 189.54M | 126.97M | 195.6M | 170.08M | 258.19M | 351.51M | 387.43M | 351.15M | 279.18M | 350.16M | 336.45M | 269.73M | 208.12M | 121.55M | 48.03M |
| Other Liabilities | 0 | 39.32M | 26.79M | 22.01M | 27.59M | 23.48M | 14.17M | 19.12M | 183.41M | 198.87M | 204.81M | 208.17M | 216.25M | 54.4M | 55.61M | 112.39M | 117.72M | 126.67M | 161.73M | 125.52M |
| Total Current Liabilities | 337.8M | 560.74M | 445.82M | 401.02M | 377.76M | 449.6M | 350.5M | 457.77M | 259.4M | 315.73M | 396.93M | 458.3M | 399.17M | 323.45M | 389.14M | 400.5M | 330.41M | 284.98M | 201.63M | 140.09M |
| Total Non-Current Liabilities | 2.11B | 1.81B | 1.78B | 1.77B | 1.78B | 1.31B | 1.27B | 1.28B | 954.04M | 909.78M | 917.94M | 923.5M | 961.84M | 802.12M | 805.37M | 863.12M | 866.33M | 874.97M | 909.45M | 873.28M |
| Total Liabilities | 2.45B | 2.37B | 2.23B | 2.18B | 2.16B | 1.76B | 1.62B | 1.73B | 1.21B | 1.23B | 1.31B | 1.38B | 1.36B | 1.13B | 1.19B | 1.26B | 1.2B | 1.16B | 1.11B | 1.01B |
| Total Equity | 887.42M | 797.49M | 733.17M | 798.82M | 743.72M | 722.01M | 676.64M | 633.22M | 595.54M | 594.71M | 612.8M | 635.3M | 640.76M | 638.14M | 627.21M | 672.43M | 718.57M | 757.07M | 876.5M | 807.08M |
| Equity Growth % | 19.32% | 10.45% | 8.35% | 26.15% | 24.88% | 21.41% | 10.42% | -0.33% | -7.06% | -6.81% | -2.3% | -5.52% | -10.83% | -15.71% | -28.44% | -16.68% | -0.07% | 5.72% | 173.4% | 168.8% |
| Equity / Assets (Capital Ratio) | 26.58% | 25.15% | 24.76% | 26.85% | 25.6% | 29.14% | 29.47% | 26.75% | 32.92% | 32.67% | 31.79% | 31.5% | 32.01% | 36.18% | 34.43% | 34.73% | 37.52% | 39.49% | 44.1% | 44.33% |
| Return on Equity (ROE) | 4.34% | 2.16% | -0.87% | 2.42% | 4.34% | 0.8% | -0.37% | -0.45% | -1.14% | -9.02% | -10.35% | -6.65% | -6.3% | -4.45% | -19.89% | -7.95% | -7.62% | -3.66% | 3.88% | 7.72% |
| Book Value per Share | 7.08 | 7.27 | 7.57 | 7.12 | 6.78 | 7.02 | 7.18 | 6.87 | 6.61 | 6.72 | 7.04 | 7.42 | 7.59 | 7.68 | 7.66 | 8.18 | 8.80 | 9.03 | 9.18 | 8.17 |
| Tangible BV per Share | 6.48 | 6.59 | 6.79 | 6.45 | 6.09 | 6.28 | 6.37 | 6.04 | 5.76 | 5.85 | 6.15 | 6.51 | 6.65 | 6.71 | 6.66 | 7.17 | 7.77 | 8.02 | 8.28 | 7.29 |
| Common Stock | 10K | 10K | 10K | 10K | 10K | 10K | 10K | 9K | 9K | 9K | 9K | 9K | 9K | 8K | 8K | 8K | 8K | 8K | 9K | 8K |
| Additional Paid-in Capital | 1.2B | 1.15B | 1.1B | 1.16B | 1.12B | 1.13B | 1.09B | 1.04B | 1B | 996.35M | 959.96M | 917.87M | 880.93M | 838M | 798.9M | 714.87M | 705.74M | 688.02M | 777.58M | 740.85M |
| Retained Earnings | -311.08M | -347.66M | -364.2M | -357.56M | -376.19M | -408M | -413.6M | -411.16M | -408.4M | -401.64M | -347.17M | -282.58M | -240.18M | -199.86M | -171.7M | -42.44M | 12.82M | 69.04M | 98.91M | 66.22M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |