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Upstart (UPST)

Watchlist
  • 47.910
  • +1.460+3.14%
Close Jan 15 16:00 ET
  • 48.300
  • +0.390+0.81%
Post 20:01 ET
4.66BMarket Cap184.27P/E (TTM)

Upstart (UPST) Balance Sheet

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
Assets
Cash cash equivalents and federal funds sold
27.44%842.01M
24.86%706.08M
89.66%845.12M
105.88%981.45M
105.88%981.45M
5.94%660.72M
8.72%565.49M
-3.49%445.59M
-12.12%476.71M
-12.12%476.71M
-Cash and cash equivalents
9.92%494.89M
5.50%400.56M
97.21%605.37M
110.33%793.61M
110.33%793.61M
-14.28%450.22M
-16.36%379.66M
-22.64%306.97M
-12.74%377.32M
-12.74%377.32M
-Restricted cash and investments
64.91%347.12M
64.41%305.52M
72.95%239.75M
89.01%187.84M
89.01%187.84M
113.81%210.49M
180.62%185.83M
113.54%138.62M
-9.70%99.38M
-9.70%99.38M
Receivables
167.47%235.13M
244.93%206.85M
167.15%144.26M
128.70%126.56M
128.70%126.56M
99.90%87.91M
20.04%59.97M
12.61%54M
4.74%55.34M
4.74%55.34M
-Accounts receivable
-5.55%43.52M
11.65%44.68M
5.87%43.01M
19.12%48.23M
19.12%48.23M
11.86%46.08M
-13.09%40.02M
-5.40%40.62M
-13.21%40.49M
-13.21%40.49M
-Notes receivable
643.95%76.76M
369.92%54.71M
45.57%19.47M
48.55%22.06M
48.55%22.06M
270.35%10.32M
197.98%11.64M
167.04%13.38M
140.20%14.85M
140.20%14.85M
-Other receivables
264.43%114.85M
1,193.87%107.46M
--81.78M
--56.27M
--56.27M
--31.51M
--8.31M
----
----
----
Prepaid assets
56.30%30.56M
48.53%26.95M
22.25%28.13M
60.38%28.83M
60.38%28.83M
-7.14%19.55M
3.11%18.15M
4.43%23.01M
7.38%17.98M
7.38%17.98M
Net loan
87.46%1.23B
24.23%1.02B
-24.63%814.68M
-30.28%806.3M
-30.28%806.3M
-32.52%656.12M
-2.02%820.63M
10.04%1.08B
14.45%1.16B
14.45%1.16B
-Gross loan
87.46%1.23B
24.23%1.02B
-24.63%814.68M
-30.28%806.3M
-30.28%806.3M
-32.52%656.12M
-2.02%820.63M
10.04%1.08B
14.45%1.16B
14.45%1.16B
Securities and investments
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
-Available for sale securities
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
0.00%41.25M
Derivative assets
-61.48%824K
-90.38%493K
-81.03%1.13M
-68.71%1.86M
-68.71%1.86M
-78.16%2.14M
-50.45%5.12M
--5.95M
--5.96M
--5.96M
Net PPE
-6.78%78.91M
-8.23%81.56M
-10.30%82.96M
-15.29%82.47M
-15.29%82.47M
-32.47%84.65M
-30.22%88.87M
-29.05%92.49M
-25.40%97.35M
-25.40%97.35M
-Gross PPE
11.43%151.32M
9.78%148.3M
7.43%144.31M
2.28%137.87M
2.28%137.87M
-12.38%135.8M
-11.81%135.09M
-12.10%134.34M
-8.71%134.8M
-8.71%134.8M
-Accumulated depreciation
-41.56%-72.41M
-44.39%-66.74M
-46.61%-61.35M
-47.94%-55.4M
-47.94%-55.4M
-72.60%-51.16M
-78.95%-46.22M
-86.19%-41.84M
-118.25%-37.45M
-118.25%-37.45M
Goodwill and other intangible assets
-1.49%75.64M
-1.48%75.92M
-1.48%76.21M
-2.45%76.49M
-2.45%76.49M
-3.41%76.78M
-4.33%77.06M
-5.24%77.35M
-5.17%78.42M
-5.17%78.42M
-Goodwill
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
0.00%67.06M
-Other intangible assets
-11.75%8.57M
-11.42%8.86M
-11.10%9.15M
-16.95%9.43M
-16.95%9.43M
-21.80%9.72M
-25.87%10M
-29.36%10.29M
-27.35%11.36M
-27.35%11.36M
Other assets
106.02%370.57M
122.20%319.27M
145.00%262.55M
152.86%221.74M
152.86%221.74M
112.02%179.87M
81.97%143.68M
96.36%107.16M
48.27%87.69M
48.27%87.69M
Total assets
60.58%2.9B
36.13%2.48B
19.12%2.3B
17.34%2.37B
17.34%2.37B
-9.63%1.81B
3.20%1.82B
5.82%1.93B
4.19%2.02B
4.19%2.02B
Liabilities
Payables
-12.72%160.36M
-3.86%185.59M
-13.03%172.36M
-22.99%159.88M
-22.99%159.88M
-13.50%183.73M
278.60%193.03M
316.37%198.19M
89.61%207.61M
89.61%207.61M
-Accounts payable
-47.91%11.78M
107.26%28.77M
33.21%13.34M
-1.84%12.38M
-1.84%12.38M
221.86%22.62M
100.07%13.88M
52.86%10.02M
-32.60%12.61M
-32.60%12.61M
-Other payable
-7.78%148.58M
-12.47%156.82M
-15.49%159.02M
-24.36%147.49M
-24.36%147.49M
-21.56%161.11M
306.72%179.15M
358.43%188.17M
114.81%195M
114.81%195M
Current accrued expenses
15.27%76.88M
70.56%74.48M
44.54%51.17M
75.58%102.3M
75.58%102.3M
62.71%66.7M
16.96%43.66M
9.18%35.4M
28.52%58.26M
28.52%58.26M
Current debt and capital lease obligation
-17.38%140.52M
-26.59%189.54M
-63.88%126.98M
-49.51%195.61M
-49.51%195.61M
-51.56%170.08M
-7.52%258.19M
0.38%351.51M
15.15%387.43M
15.15%387.43M
-Current debt
-17.38%140.52M
-26.59%189.54M
-63.88%126.98M
-49.51%195.61M
-49.51%195.61M
-51.56%170.08M
-7.52%258.19M
0.38%351.51M
15.15%387.43M
15.15%387.43M
Long term debt and capital lease obligation
127.84%1.76B
80.44%1.28B
75.98%1.25B
75.70%1.26B
75.70%1.26B
3.36%770.63M
-4.92%710.91M
-4.89%713.13M
-4.72%715.32M
-4.72%715.32M
-Long term debt
139.13%1.72B
89.28%1.24B
84.76%1.21B
84.77%1.21B
84.77%1.21B
9.97%717.28M
0.47%654.54M
0.47%653.77M
0.47%653M
0.47%653M
-Long term capital lease obligation
-23.99%40.55M
-22.25%43.83M
-20.70%47.07M
-19.33%50.28M
-19.33%50.28M
-42.85%53.35M
-41.42%56.37M
-40.07%59.36M
-38.16%62.32M
-38.16%62.32M
Other liabilities
23.71%27.59M
19.12%23.49M
-14.84%14.17M
45.12%19.12M
45.12%19.12M
105.31%22.3M
90.40%19.72M
14.22%16.64M
-39.03%13.18M
-39.03%13.18M
Total liabilities
78.10%2.16B
43.28%1.76B
23.18%1.62B
25.47%1.73B
25.47%1.73B
-10.84%1.21B
8.88%1.23B
10.08%1.31B
9.35%1.38B
9.35%1.38B
Shareholders'equity
Share capital
11.11%10K
11.11%10K
11.11%10K
0.00%9K
0.00%9K
0.00%9K
12.50%9K
12.50%9K
12.50%9K
12.50%9K
-common stock
11.11%10K
11.11%10K
11.11%10K
0.00%9K
0.00%9K
0.00%9K
12.50%9K
12.50%9K
12.50%9K
12.50%9K
Paid-in capital
11.55%1.12B
13.41%1.13B
13.57%1.09B
13.78%1.04B
13.78%1.04B
13.96%1B
18.90%996.35M
20.16%959.96M
28.40%917.87M
28.40%917.87M
Retained earnings
7.89%-376.19M
-1.58%-408M
-19.13%-413.6M
-45.50%-411.16M
-45.50%-411.16M
-70.04%-408.4M
-100.96%-401.64M
-102.20%-347.17M
-565.76%-282.58M
-565.76%-282.58M
Total stockholders'equity
24.88%743.72M
21.41%722.01M
10.42%676.64M
-0.33%633.22M
-0.33%633.22M
-7.06%595.54M
-6.81%594.71M
-2.30%612.8M
-5.52%635.31M
-5.52%635.31M
Total equity
24.88%743.72M
21.41%722.01M
10.42%676.64M
-0.33%633.22M
-0.33%633.22M
-7.06%595.54M
-6.81%594.71M
-2.30%612.8M
-5.52%635.31M
-5.52%635.31M
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023
Assets
Cash cash equivalents and federal funds sold 27.44%842.01M24.86%706.08M89.66%845.12M105.88%981.45M105.88%981.45M5.94%660.72M8.72%565.49M-3.49%445.59M-12.12%476.71M-12.12%476.71M
-Cash and cash equivalents 9.92%494.89M5.50%400.56M97.21%605.37M110.33%793.61M110.33%793.61M-14.28%450.22M-16.36%379.66M-22.64%306.97M-12.74%377.32M-12.74%377.32M
-Restricted cash and investments 64.91%347.12M64.41%305.52M72.95%239.75M89.01%187.84M89.01%187.84M113.81%210.49M180.62%185.83M113.54%138.62M-9.70%99.38M-9.70%99.38M
Receivables 167.47%235.13M244.93%206.85M167.15%144.26M128.70%126.56M128.70%126.56M99.90%87.91M20.04%59.97M12.61%54M4.74%55.34M4.74%55.34M
-Accounts receivable -5.55%43.52M11.65%44.68M5.87%43.01M19.12%48.23M19.12%48.23M11.86%46.08M-13.09%40.02M-5.40%40.62M-13.21%40.49M-13.21%40.49M
-Notes receivable 643.95%76.76M369.92%54.71M45.57%19.47M48.55%22.06M48.55%22.06M270.35%10.32M197.98%11.64M167.04%13.38M140.20%14.85M140.20%14.85M
-Other receivables 264.43%114.85M1,193.87%107.46M--81.78M--56.27M--56.27M--31.51M--8.31M------------
Prepaid assets 56.30%30.56M48.53%26.95M22.25%28.13M60.38%28.83M60.38%28.83M-7.14%19.55M3.11%18.15M4.43%23.01M7.38%17.98M7.38%17.98M
Net loan 87.46%1.23B24.23%1.02B-24.63%814.68M-30.28%806.3M-30.28%806.3M-32.52%656.12M-2.02%820.63M10.04%1.08B14.45%1.16B14.45%1.16B
-Gross loan 87.46%1.23B24.23%1.02B-24.63%814.68M-30.28%806.3M-30.28%806.3M-32.52%656.12M-2.02%820.63M10.04%1.08B14.45%1.16B14.45%1.16B
Securities and investments 0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M
-Available for sale securities 0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M0.00%41.25M
Derivative assets -61.48%824K-90.38%493K-81.03%1.13M-68.71%1.86M-68.71%1.86M-78.16%2.14M-50.45%5.12M--5.95M--5.96M--5.96M
Net PPE -6.78%78.91M-8.23%81.56M-10.30%82.96M-15.29%82.47M-15.29%82.47M-32.47%84.65M-30.22%88.87M-29.05%92.49M-25.40%97.35M-25.40%97.35M
-Gross PPE 11.43%151.32M9.78%148.3M7.43%144.31M2.28%137.87M2.28%137.87M-12.38%135.8M-11.81%135.09M-12.10%134.34M-8.71%134.8M-8.71%134.8M
-Accumulated depreciation -41.56%-72.41M-44.39%-66.74M-46.61%-61.35M-47.94%-55.4M-47.94%-55.4M-72.60%-51.16M-78.95%-46.22M-86.19%-41.84M-118.25%-37.45M-118.25%-37.45M
Goodwill and other intangible assets -1.49%75.64M-1.48%75.92M-1.48%76.21M-2.45%76.49M-2.45%76.49M-3.41%76.78M-4.33%77.06M-5.24%77.35M-5.17%78.42M-5.17%78.42M
-Goodwill 0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M0.00%67.06M
-Other intangible assets -11.75%8.57M-11.42%8.86M-11.10%9.15M-16.95%9.43M-16.95%9.43M-21.80%9.72M-25.87%10M-29.36%10.29M-27.35%11.36M-27.35%11.36M
Other assets 106.02%370.57M122.20%319.27M145.00%262.55M152.86%221.74M152.86%221.74M112.02%179.87M81.97%143.68M96.36%107.16M48.27%87.69M48.27%87.69M
Total assets 60.58%2.9B36.13%2.48B19.12%2.3B17.34%2.37B17.34%2.37B-9.63%1.81B3.20%1.82B5.82%1.93B4.19%2.02B4.19%2.02B
Liabilities
Payables -12.72%160.36M-3.86%185.59M-13.03%172.36M-22.99%159.88M-22.99%159.88M-13.50%183.73M278.60%193.03M316.37%198.19M89.61%207.61M89.61%207.61M
-Accounts payable -47.91%11.78M107.26%28.77M33.21%13.34M-1.84%12.38M-1.84%12.38M221.86%22.62M100.07%13.88M52.86%10.02M-32.60%12.61M-32.60%12.61M
-Other payable -7.78%148.58M-12.47%156.82M-15.49%159.02M-24.36%147.49M-24.36%147.49M-21.56%161.11M306.72%179.15M358.43%188.17M114.81%195M114.81%195M
Current accrued expenses 15.27%76.88M70.56%74.48M44.54%51.17M75.58%102.3M75.58%102.3M62.71%66.7M16.96%43.66M9.18%35.4M28.52%58.26M28.52%58.26M
Current debt and capital lease obligation -17.38%140.52M-26.59%189.54M-63.88%126.98M-49.51%195.61M-49.51%195.61M-51.56%170.08M-7.52%258.19M0.38%351.51M15.15%387.43M15.15%387.43M
-Current debt -17.38%140.52M-26.59%189.54M-63.88%126.98M-49.51%195.61M-49.51%195.61M-51.56%170.08M-7.52%258.19M0.38%351.51M15.15%387.43M15.15%387.43M
Long term debt and capital lease obligation 127.84%1.76B80.44%1.28B75.98%1.25B75.70%1.26B75.70%1.26B3.36%770.63M-4.92%710.91M-4.89%713.13M-4.72%715.32M-4.72%715.32M
-Long term debt 139.13%1.72B89.28%1.24B84.76%1.21B84.77%1.21B84.77%1.21B9.97%717.28M0.47%654.54M0.47%653.77M0.47%653M0.47%653M
-Long term capital lease obligation -23.99%40.55M-22.25%43.83M-20.70%47.07M-19.33%50.28M-19.33%50.28M-42.85%53.35M-41.42%56.37M-40.07%59.36M-38.16%62.32M-38.16%62.32M
Other liabilities 23.71%27.59M19.12%23.49M-14.84%14.17M45.12%19.12M45.12%19.12M105.31%22.3M90.40%19.72M14.22%16.64M-39.03%13.18M-39.03%13.18M
Total liabilities 78.10%2.16B43.28%1.76B23.18%1.62B25.47%1.73B25.47%1.73B-10.84%1.21B8.88%1.23B10.08%1.31B9.35%1.38B9.35%1.38B
Shareholders'equity
Share capital 11.11%10K11.11%10K11.11%10K0.00%9K0.00%9K0.00%9K12.50%9K12.50%9K12.50%9K12.50%9K
-common stock 11.11%10K11.11%10K11.11%10K0.00%9K0.00%9K0.00%9K12.50%9K12.50%9K12.50%9K12.50%9K
Paid-in capital 11.55%1.12B13.41%1.13B13.57%1.09B13.78%1.04B13.78%1.04B13.96%1B18.90%996.35M20.16%959.96M28.40%917.87M28.40%917.87M
Retained earnings 7.89%-376.19M-1.58%-408M-19.13%-413.6M-45.50%-411.16M-45.50%-411.16M-70.04%-408.4M-100.96%-401.64M-102.20%-347.17M-565.76%-282.58M-565.76%-282.58M
Total stockholders'equity 24.88%743.72M21.41%722.01M10.42%676.64M-0.33%633.22M-0.33%633.22M-7.06%595.54M-6.81%594.71M-2.30%612.8M-5.52%635.31M-5.52%635.31M
Total equity 24.88%743.72M21.41%722.01M10.42%676.64M-0.33%633.22M-0.33%633.22M-7.06%595.54M-6.81%594.71M-2.30%612.8M-5.52%635.31M-5.52%635.31M
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--
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