Upstart Holdings Inc Asset Resilience Ratio
Upstart Holdings Inc asset resilience ratio. Upstart Holdings Inc (UPST) has an Asset Resilience Ratio of 1.39% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See UPST defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Upstart Holdings Inc (2021–2025)
Asset resilience ratio of Upstart Holdings Inc from 2021 to 2025. This chart shows how Upstart Holdings Inc's Asset Resilience Ratio has changed over time. Read UPST liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down Upstart Holdings Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see balance sheet size of Upstart Holdings Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $41.25 Million | 1.39% |
| Total Liquid Assets | $41.25 Million | 1.39% |
Asset Resilience Insights
- Limited Liquidity: Upstart Holdings Inc maintains only 1.39% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Upstart Holdings Inc Industry Peers by Asset Resilience Ratio
Compare Upstart Holdings Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
Upstart Holdings Inc Asset Resilience Ratio by Year (2021–2025)
Upstart Holdings Inc asset resilience ratio by year from 2021 to 2025. The table below shows the annual Asset Resilience Ratio data for Upstart Holdings Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 1.39% | $41.25 Million | $2.97 Billion | +1.17pp |
| 2024-12-31 | 0.22% | $5.18 Million | $2.37 Billion | -1.83pp |
| 2023-12-31 | 2.05% | $41.25 Million | $2.02 Billion | -0.09pp |
| 2022-12-31 | 2.13% | $41.25 Million | $1.94 Billion | +1.67pp |
| 2021-12-31 | 0.46% | $8.38 Million | $1.82 Billion | -- |
About Upstart Holdings Inc
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of cred… Read more