Upstart Holdings Balance Sheet Health
Financial Health criteria checks 4/6
Upstart Holdings has a total shareholder equity of $635.3M and total debt of $1.2B, which brings its debt-to-equity ratio to 186%. Its total assets and total liabilities are $2.0B and $1.4B respectively.
Key information
186.0%
Debt to equity ratio
US$1.18b
Debt
| Interest coverage ratio | n/a |
| Cash | US$368.41m |
| Equity | US$635.31m |
| Total liabilities | US$1.38b |
| Total assets | US$2.02b |
Recent financial health updates
No updates
Recent updates
Upstart: 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 13
Upstart 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 30Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Trimmed Their Revenue Forecasts By 33%
Feb 15Upstart: What's Up With The Relative Strength?
Oct 14Upstart Stock Is Down Over 80% This Year; Is It A Buying Opportunity?
Sep 29Upstart Has Its Moment
Sep 19Upstart extends personal lending to Arizona-based credit union partner
Sep 08Upstart: Broken Stock Or Broken Company?
Aug 25Upstart provides Alliant Credit Union with personal lending capabilities
Aug 17Financial Position Analysis
Short Term Liabilities: UPST's short term assets ($1.6B) exceed its short term liabilities ($92.1M).
Long Term Liabilities: UPST's short term assets ($1.6B) exceed its long term liabilities ($1.3B).
Debt to Equity History and Analysis
Debt Level: UPST's net debt to equity ratio (128%) is considered high.
Reducing Debt: UPST's debt to equity ratio has reduced from 485.4% to 186% 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: UPST has sufficient cash runway for more than a year based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if UPST has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.