Upstart Holdings Balance Sheet Health
Financial Health criteria checks 5/6
Upstart Holdings has a total shareholder equity of $595.5M and total debt of $987.7M, which brings its debt-to-equity ratio to 165.9%. Its total assets and total liabilities are $1.8B and $1.2B respectively.
Key information
165.9%
Debt to equity ratio
US$987.70m
Debt
| Interest coverage ratio | n/a |
| Cash | US$445.27m |
| Equity | US$595.54m |
| Total liabilities | US$1.21b |
| Total assets | US$1.81b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Short Term Liabilities: UPST's short term assets ($1.3B) exceed its short term liabilities ($98.6M).
Long Term Liabilities: UPST's short term assets ($1.3B) exceed its long term liabilities ($1.1B).
Debt to Equity History and Analysis
Debt Level: UPST's net debt to equity ratio (91.1%) is considered high.
Reducing Debt: UPST's debt to equity ratio has reduced from 295.4% to 165.9% over the past 5 years.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss-making in the past, we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable UPST has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: UPST is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by 30.1% per year.