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 net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2021–2025)
This chart shows how Upstart Holdings Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Upstart Holdings Inc total assets.
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. Explore how much of Upstart Holdings Inc's assets are long-term investments to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Direct Finance TA
TA:DIFI |
Credit Services | 0.01% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Starteck Finance Limited
NSE:STARTECK |
Credit Services | 0.02% |
|
Mint Corp
V:MIT |
Credit Services | 0.00% |
|
Williamson Magor & Company Limited
NSE:WILLAMAGOR |
Credit Services | 0.06% |
|
Butn Ltd
AU:BTN |
Credit Services | 3.72% |
|
creditshelf Aktiengesellschaft
F:CSQ |
Credit Services | 0.62% |
Annual Asset Resilience Ratio for Upstart Holdings Inc (2021–2025)
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