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
Rainbows and Unicorns: Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Became A Lot More Optimistic
Nov 12
Upstart: This Is The Perfect Time To Sell (Rating Downgrade)
Nov 10Upstart: Sell Strength (Rating Downgrade)
Oct 26Upstart Holdings, Inc. - Start Of Profit Taking And A Pullback
Oct 17Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce
Oct 11Things Are Looking Up For Upstart As We Enter An Easing Cycle
Sep 24Why I Sold Upstart (Ratings Downgrade)
Sep 12Upstart Can Move Higher On Short Interest, Efficiency Gains
Aug 22Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%
Aug 18Upstart Q2 Earnings: A Lofty Price Of 50x EBITDA For This Fintech
Aug 07Navigating Uncertainty: Understanding The Risks And Rewards Of Investing In Upstart Holdings
Jul 25Upstart: Turning A Corner With Growth And Profitability To Return
Jul 12Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit
Jun 13Upstart: Buy Weakness (Rating Upgrade)
Jun 12Upstart: A Great Anti-Cyclical AI Lending Bet
May 24Upstart: The Bonds With The 13% YTM Remain The Best Play
May 08Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)
Apr 23Upstart Holdings: Lower Volumes Likely To Persist
Apr 05Upstart Holdings: Still Too Risky
Mar 24Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless
Mar 13Upstart Holdings: A No-Brainer Buy Before The Fed Shift Kicks Off
Mar 12Upstart: An Uphill Battle
Mar 05Upstart: I Warned About Its Overhype In December - What's Next (Upgrade)
Feb 22Upstart Q4: Struggles With Debt And Profitability Challenges (Downgrade)
Feb 14Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Cut Their EPS Forecasts Substantially
Feb 14Upstart: Red Flags Of The AI Model And The Company's Response
Feb 07Upstart's Upcoming Q4 Drama: Bullish Dreams And The Borrowing Blues
Feb 01Upstart: Indicators Suggest Weak Start To 2024 (Downgrade)
Jan 23After Leaping 54% Upstart Holdings, Inc. (NASDAQ:UPST) Shares Are Not Flying Under The Radar
Dec 30Financial 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.