US Stock MarketDetailed Quotes

Upstart (UPST)

Watchlist

28.080
+0.140+0.50%

Close May 19 16:00 ET

28.150
+0.070+0.25%

Post 20:01 ET

2.69BMarket Cap68.49P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Upstart (UPST) Balance Sheet

Quarterly+Annual

YOY

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(Q1)Mar 31, 2026

(FY)Dec 31, 2025

(Q4)Dec 31, 2025

(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

Assets

Cash cash equivalents and federal funds sold

10.39%932.95M

8.21%1.06B

27.44%842.01M

24.86%706.08M

89.66%845.12M

105.88%981.45M

5.94%660.72M

8.72%565.49M

-Cash and cash equivalents

-21.61%474.55M

-17.16%657.45M

9.92%494.89M

5.50%400.56M

97.21%605.37M

110.33%793.61M

-14.28%450.22M

-16.36%379.66M

-Restricted cash and investments

91.20%458.4M

115.41%404.62M

64.91%347.12M

64.41%305.52M

72.95%239.75M

89.01%187.84M

113.81%210.49M

180.62%185.83M

Receivables

82.35%263.05M

102.92%256.81M

167.47%235.13M

244.93%206.85M

167.15%144.26M

128.70%126.56M

99.90%87.91M

20.04%59.97M

-Accounts receivable

----

-5.55%43.52M

11.65%44.68M

5.87%43.01M

19.12%48.23M

11.86%46.08M

-13.09%40.02M

-Notes receivable

439.60%105.07M

341.70%97.42M

643.95%76.76M

369.92%54.71M

45.57%19.47M

48.55%22.06M

270.35%10.32M

197.98%11.64M

-Other receivables

93.18%157.98M

52.52%159.39M

264.43%114.85M

1,193.87%107.46M

--81.78M

--104.5M

--31.51M

--8.31M

Prepaid assets

44.29%40.59M

37.56%39.66M

56.30%30.56M

48.53%26.95M

22.25%28.13M

60.38%28.83M

-7.14%19.55M

3.11%18.15M

Net loan

24.48%1.01B

22.11%984.55M

87.46%1.23B

24.23%1.02B

-24.63%814.68M

-30.28%806.3M

-32.52%656.12M

-2.02%820.63M

-Gross loan

24.48%1.01B

22.11%984.55M

87.46%1.23B

24.23%1.02B

-24.63%814.68M

-30.28%806.3M

-32.52%656.12M

-2.02%820.63M

Securities and investments

0.00%41.25M

-Available for sale securities

0.00%41.25M

Derivative assets

----

-61.48%824K

-90.38%493K

-81.03%1.13M

-68.71%1.86M

-78.16%2.14M

-50.45%5.12M

Net PPE

-25.74%61.61M

-26.54%60.58M

-6.78%78.91M

-8.23%81.56M

-10.30%82.96M

-15.29%82.47M

-32.47%84.65M

-30.22%88.87M

-Gross PPE

0.76%145.41M

0.82%139.01M

11.43%151.32M

9.78%148.3M

7.43%144.31M

2.28%137.87M

-12.38%135.8M

-11.81%135.09M

-Accumulated depreciation

-36.61%-83.81M

-41.55%-78.42M

-41.56%-72.41M

-44.39%-66.74M

-46.61%-61.35M

-47.94%-55.4M

-72.60%-51.16M

-78.95%-46.22M

Goodwill and other intangible assets

-1.50%75.07M

-1.49%75.35M

-1.49%75.64M

-1.48%75.92M

-1.48%76.21M

-2.45%76.49M

-3.41%76.78M

-4.33%77.06M

-Goodwill

0.00%67.06M

-Other intangible assets

-12.48%8M

-12.11%8.29M

-11.75%8.57M

-11.42%8.86M

-11.10%9.15M

-16.95%9.43M

-21.80%9.72M

-25.87%10M

Other assets

103.04%533.08M

103.27%454.54M

106.02%370.57M

122.20%319.27M

145.00%262.55M

154.99%223.61M

112.02%179.87M

81.97%143.68M

Total assets

28.98%2.96B

25.68%2.97B

60.58%2.9B

36.13%2.48B

19.12%2.3B

17.34%2.37B

-9.63%1.81B

3.20%1.82B

Liabilities

Payables

8.74%187.43M

16.45%186.18M

-12.72%160.36M

-3.86%185.59M

-13.03%172.36M

-22.99%159.88M

-13.50%183.73M

278.60%193.03M

-Accounts payable

70.26%22.72M

158.31%31.98M

-47.91%11.78M

107.26%28.77M

33.21%13.34M

-1.84%12.38M

221.86%22.62M

100.07%13.88M

-Other payable

3.58%164.71M

4.55%154.2M

-7.78%148.58M

-12.47%156.82M

-15.49%159.02M

-24.36%147.49M

-21.56%161.11M

306.72%179.15M

Current accrued expenses

46.74%75.08M

14.87%117.51M

15.27%76.88M

70.56%74.48M

44.54%51.17M

75.58%102.3M

62.71%66.7M

16.96%43.66M

Current debt and capital lease obligation

44.36%183.31M

-50.24%97.33M

-17.38%140.52M

-26.59%189.54M

-63.88%126.98M

-49.51%195.61M

-51.56%170.08M

-7.52%258.19M

-Current debt

44.36%183.31M

-50.24%97.33M

-17.38%140.52M

-26.59%189.54M

-63.88%126.98M

-49.51%195.61M

-51.56%170.08M

-7.52%258.19M

Long term debt and capital lease obligation

39.92%1.76B

39.47%1.75B

127.84%1.76B

80.44%1.28B

75.98%1.25B

75.70%1.26B

3.36%770.63M

-4.92%710.91M

-Long term debt

43.92%1.74B

43.53%1.73B

139.13%1.72B

89.28%1.24B

84.76%1.21B

84.77%1.21B

9.97%717.28M

0.47%654.54M

-Long term capital lease obligation

-62.72%17.55M

-57.94%21.15M

-23.99%40.55M

-22.25%43.83M

-20.70%47.07M

-19.33%50.28M

-42.85%53.35M

-41.42%56.37M

Other liabilities

89.07%26.79M

15.08%22.01M

23.71%27.59M

19.12%23.49M

-14.84%14.17M

45.12%19.12M

105.31%22.3M

90.40%19.72M

Total liabilities

37.59%2.23B

25.51%2.18B

78.10%2.16B

43.28%1.76B

23.18%1.62B

25.47%1.73B

-10.84%1.21B

8.88%1.23B

Shareholders'equity

Share capital

0.00%10K

11.11%10K

0.00%9K

12.50%9K

-common stock

0.00%10K

11.11%10K

0.00%9K

12.50%9K

Paid-in capital

0.65%1.1B

10.72%1.16B

11.55%1.12B

13.41%1.13B

13.57%1.09B

13.78%1.04B

13.96%1B

18.90%996.35M

Retained earnings

11.94%-364.2M

13.04%-357.56M

7.89%-376.19M

-1.58%-408M

-19.13%-413.6M

-45.50%-411.16M

-70.04%-408.4M

-100.96%-401.64M

Total stockholders'equity

8.35%733.17M

26.15%798.82M

24.88%743.72M

21.41%722.01M

10.42%676.64M

-0.33%633.22M

-7.06%595.54M

-6.81%594.71M

Total equity

8.35%733.17M

26.15%798.82M

24.88%743.72M

21.41%722.01M

10.42%676.64M

-0.33%633.22M

-7.06%595.54M

-6.81%594.71M

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(Q1)Mar 31, 2026	(FY)Dec 31, 2025	(Q4)Dec 31, 2025	(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
Assets
Cash cash equivalents and federal funds sold	10.39%932.95M	8.21%1.06B	8.21%1.06B	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
-Cash and cash equivalents	-21.61%474.55M	-17.16%657.45M	-17.16%657.45M	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
-Restricted cash and investments	91.20%458.4M	115.41%404.62M	115.41%404.62M	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
Receivables	82.35%263.05M	102.92%256.81M	102.92%256.81M	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
-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
-Notes receivable	439.60%105.07M	341.70%97.42M	341.70%97.42M	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
-Other receivables	93.18%157.98M	52.52%159.39M	52.52%159.39M	264.43%114.85M	1,193.87%107.46M	--81.78M	--104.5M	--104.5M	--31.51M	--8.31M
Prepaid assets	44.29%40.59M	37.56%39.66M	37.56%39.66M	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
Net loan	24.48%1.01B	22.11%984.55M	22.11%984.55M	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
-Gross loan	24.48%1.01B	22.11%984.55M	22.11%984.55M	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
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
Net PPE	-25.74%61.61M	-26.54%60.58M	-26.54%60.58M	-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
-Gross PPE	0.76%145.41M	0.82%139.01M	0.82%139.01M	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
-Accumulated depreciation	-36.61%-83.81M	-41.55%-78.42M	-41.55%-78.42M	-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
Goodwill and other intangible assets	-1.50%75.07M	-1.49%75.35M	-1.49%75.35M	-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
-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	-12.48%8M	-12.11%8.29M	-12.11%8.29M	-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
Other assets	103.04%533.08M	103.27%454.54M	103.27%454.54M	106.02%370.57M	122.20%319.27M	145.00%262.55M	154.99%223.61M	154.99%223.61M	112.02%179.87M	81.97%143.68M
Total assets	28.98%2.96B	25.68%2.97B	25.68%2.97B	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
Liabilities
Payables	8.74%187.43M	16.45%186.18M	16.45%186.18M	-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
-Accounts payable	70.26%22.72M	158.31%31.98M	158.31%31.98M	-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
-Other payable	3.58%164.71M	4.55%154.2M	4.55%154.2M	-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
Current accrued expenses	46.74%75.08M	14.87%117.51M	14.87%117.51M	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
Current debt and capital lease obligation	44.36%183.31M	-50.24%97.33M	-50.24%97.33M	-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
-Current debt	44.36%183.31M	-50.24%97.33M	-50.24%97.33M	-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
Long term debt and capital lease obligation	39.92%1.76B	39.47%1.75B	39.47%1.75B	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
-Long term debt	43.92%1.74B	43.53%1.73B	43.53%1.73B	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
-Long term capital lease obligation	-62.72%17.55M	-57.94%21.15M	-57.94%21.15M	-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
Other liabilities	89.07%26.79M	15.08%22.01M	15.08%22.01M	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
Total liabilities	37.59%2.23B	25.51%2.18B	25.51%2.18B	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
Shareholders'equity
Share capital	0.00%10K	11.11%10K	11.11%10K	11.11%10K	11.11%10K	11.11%10K	0.00%9K	0.00%9K	0.00%9K	12.50%9K
-common stock	0.00%10K	11.11%10K	11.11%10K	11.11%10K	11.11%10K	11.11%10K	0.00%9K	0.00%9K	0.00%9K	12.50%9K
Paid-in capital	0.65%1.1B	10.72%1.16B	10.72%1.16B	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
Retained earnings	11.94%-364.2M	13.04%-357.56M	13.04%-357.56M	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
Total stockholders'equity	8.35%733.17M	26.15%798.82M	26.15%798.82M	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
Total equity	8.35%733.17M	26.15%798.82M	26.15%798.82M	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
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	--	--	--

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