Upstart Holdings Inc (UPST) — Defensive Interval Ratio
Upstart Holdings Inc (UPST) has a Defensive Interval Ratio of 440 days as of September 2025. Defensive assets of $276.38 Million (cash $-, short-term investments $41.25 Million, receivables $235.13 Million) cover 440 days of daily cash needs of $627.91K/day. Check UPST intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Upstart Holdings Inc Defensive Interval Ratio (2018–2024)
This chart shows how Upstart Holdings Inc's Defensive Interval Ratio has evolved across 7 annual periods from 2018 to 2024. As of September 2025, the ratio stands at 440 days, meaning defensive assets of $276.38 Million can fund 440 days of operations without new revenue. Also explore Upstart Holdings Inc (UPST) equity growth momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Upstart Holdings Inc (2018–2024)
The table below presents the year-by-year Defensive Interval Ratio for Upstart Holdings Inc from 2018 to 2024, covering 7 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market value of Upstart Holdings Inc.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 155 days | $131.74 Million | $850.08K/day | $- | $5.18 Million | ▲ +78 days |
| 2023 | 77 days | $96.59 Million | $1.26 Million/day | $- | $41.25 Million | ▼ -9 days |
| 2022 | 86 days | $94.08 Million | $1.10 Million/day | $- | $41.25 Million | ▼ -102 days |
| 2021 | 188 days | $72.18 Million | $383.82K/day | $- | $8.38 Million | ▲ +46 days |
| 2020 | 142 days | $30.73 Million | $216.65K/day | $- | $- | ▲ +3 days |
| 2019 | 138 days | $42.44 Million | $306.59K/day | $- | $- | ▲ +113 days |
| 2018 | 26 days | $5.05 Million | $196.75K/day | $- | $- | — |